Exhibit 99.1

     3001 Technology Drive, Edmond, OK 73013

Table of Contents

Table of Contents	1
Executive Summary	2
Summary of Scope	2
Credit Underwriting	2
Elements of Eligibility Review	2
Credit Review	3
Anti-Predatory Lending (APL) Law Compliance	4
Collateral Reviews	4
Data Validation	5
Credit and Eligibility Component Grading Definitions	6
Regulatory Compliance Grading Definitions	6
Property Valuation Component Grading Definitions	6
Summary of Results	7
Grading Considerations	8
Grade Migration	9
Data Discrepancy Summary	11
Reports Delivered	11
Data Validation Field Definitions and Source Documents	12-20

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EXECUTIVE SUMMARY

Adfitech, Inc. is a third party due diligence provider of mortgage loans. Adfitech, Inc. has performed a review of performing mortgage loan files for its client, Freddie Mac on STACR 2018 SPI4. The review included “Credit, Eligibility and Regulatory Compliance”, “Property Valuation” and a “Data Validation” Review, each described below. The review began on July 2018 and ended in December 2018.

Summary of Scope:

The purpose of this review was to ascertain conformity with the applicable underwriting and eligibility, regulatory compliance and valuation guidelines. An event grade was attributed to each loan reviewed. The engagement also provided for a loan level data validation review.

• Credit Underwriting – Adfitech, Inc. performed a re-underwrite of each loan in accordance with Freddie Mac’s Single-Family Seller/Servicer Guide (including Bulletins and Industry Letters), or in seller-specific negotiated terms of business, and the requirements that were in place at the time the loan was acquired by Freddie Mac. Adfitech, Inc. also reviewed the loans’ compliance with Freddie Mac’s charter eligibility requirements. Adfitech, Inc. considered all documentation available to support the conformance of loans with Freddie Mac’s underwriting and eligibility guidelines, including the below document sources.

Documents Reviewed:

o Documents delivered by the lender in the Review File

o Documents generated by Freddie Mac and any re-verifications obtained by its third party vendor

o Documents delivered by the lender subsequent to the initial delivery of the Review File, including rebuttal documents

Elements of Eligibility Review:

Confirm the loan was eligible for sale to Freddie Mac.

o Determine that reasonable compensating factors exist for any of the following attributes that fall outside requirements:

• FICO score

• Debt-to-income ratio

• Assets and/or reserves

• LTV/TLTV/HTLTV, (TLTV/HTLTV also known as CLTV/HCLTV)

• Applicable program eligibility criteria for occupancy and loan purpose

o Review automated underwriting system (AUS) feedback certificate to determine that AUS results were based on accurate data and all conditions were met; Super conforming Mortgages with original loan amounts greater than $1,000,000 or a Risk Class or Evaluation Status of invalid, ineligible, or incomplete, Caution-ineligible for A-minus must be manually underwritten in accordance with Chapter 5000 and Chapter 4603.

o Confirm loan application is signed by all borrowers; if not, confirm the file contains the appropriate signed borrower authorization(s).

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o Confirm presence of title insurance policy/commitment or attorney’s opinion of title.

• For a purchase transaction, determine the property seller was owner of record.

• Compare property type stated in title with the property type data delivered and stated in the appraisal.

o Effective for all owner-occupied loans (including second homes) with loan applications dated on or after 10/03/15 confirm the presence of the new Closing Disclosure.

• Truth-Lending and HUD-1 documents will continue to be required for loans with applications dated on or before 10/02/15.

• Investment property transactions, 2-4 unit properties and co-ops are excluded from this requirement. However, if a Closing Disclosure is received on an investment property, 2-4 unit or Co-op rather than a HUD-1, the Closing Disclosure may be accepted.

o Secured by a residential property located within any of the 50 states, the District of Columbia, Guam, Puerto Rico or the U.S. Virgin Islands.

o Original unpaid principal balance must not exceed the maximum original loan amount.

o Secured by a residential property consisting of 1-4 dwelling units.

o Has a completed Standard Flood Hazard Determination (SFHD) Form; if the property is in a flood zone, confirm that flood insurance is present.

o Has sufficient MI coverage in place.

Credit Review:

Credit

o Confirm the credit report is complete and any credit fraud alerts have been properly addressed.

o Confirm the appropriate credit score was used and that it meets requirements.

o Confirm the borrower credit reputation is acceptable by evaluating the following factors:

• The type and amount of credit outstanding.

• How long the borrower has had credit.

• How the borrower uses available credit, including revolving balances-to-limits.

• Recent changes in the number of open accounts or overall amount of credit outstanding.

• The payment history and status of all accounts.

• If the mortgage or rental payment history documentation meets requirements.

o Review credit inquiries shown on the credit report and consider any new credit obtained.

Capacity:

Income/Liabilities

o Required income documentation is available and readable. Note any indication of alterations to the documentation or signs of potential misrepresentation and fraud.

o All borrowers contributing income to loan qualification have required documentation.

◾ Confirm income was calculated in accordance with requirements.

◾ If income was determined to be different than what was provided, recalculate the income per requirements.

o Determine that all liabilities listed on the credit report or other file documents are appropriately included or excluded in the calculation of the debt-to-income ratio.

o If income and/or liabilities are different than delivered, recalculate the debt-to-income ratio.

Assets

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o Confirm that assets required to complete the transaction were properly documented and meet requirements.

o Determine whether monthly reserves meet requirements.

• Anti-Predatory Lending (APL) Law Compliance Review – Adfitech, Inc. reviewed the appropriate data points to determine the loans’ compliance with Federal and state anti-predatory lending laws and the applicable guidelines provided by Freddie Mac.

o Review loan documentation and calculate fees and costs associated with the transaction to determine whether:

• The mortgage (including refinances) exceeds annual percentage rate (APR), points and fees thresholds under the Home Ownership and Equity Protection Act (HOEPA) and certain state APL laws and regulations that impose assignee liability.

• Borrowers paid for or financed prepaid single premium credit life, credit disability, credit unemployment or credit property insurance policies in connection with a mortgage.

• Mortgage documents contain mandatory arbitration clauses. Review loan files for unacceptable arbitration clauses, specifically the Note and any Note addendums. Security Instrument or any Security Instrument Rider to be reviewed only if provided in the initial delivery of the loan file.

• Higher-priced mortgage loans contain prohibited features, including prepayment penalties exceeding three years; adjustable interest rates with periods less than seven years; or five-year balloon payment or reset features.

• Mortgages have prepayment penalties.

Collateral Reviews :

o Analyze the property appraisal, photos and addenda for compliance with requirements and consistency with other file documents.

o Order a Retrospective Automated Valuation Model (AVM) as of the appraisal date. The result of such will be compared to the original appraisal.

o Indicate any findings associated with

◾ The original appraised value

◾ Guide requirements

◾ Standard appraisal industry protocol

o Determine if one or more of the following conditions are met:

◾ The AVM value is more than 10.00% less than the original appraisal value, or

◾ There are inconsistencies or problems with the original appraisal that in the vendor’s opinion necessitates further clarification, and/or

◾ The effective date of the appraisal is more than 120 days before the Note date.

o If one or more of the conditions above exist, then review the loan file for an existing secondary valuation review. If none exists, then perform a second-level valuation review including the ordering of an enhanced product (e.g., Protek Retro ARR) to further assess the value of the property as of the original appraisal date.

o For loans receiving Freddie Mac Automated Collateral Valuation (ACE) Waiver on the LPA Feedback no

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     3001 Technology Drive, Edmond, OK 73013

appraisal is required in connection with the origination of the Mortgage. If a Desk Review is required, a Retroactive 2055 (Drive-By Appraisal) or Appraisal Desktop with Inspection (ADI Product) can be utilized.

o If the ARR value is more than 10.00% less than the original appraised or the ARR Value is indeterminate, order a tertiary value in the form of a retrospective field review of the property to determine value.

Data Validation – Adfitech, Inc . compared delivered data to information in the mortgage loan file to ascertain the accuracy and completeness of the subject database. Any discrepancies detected are reported in a “Tape Compare Report and a Data Discrepancy Summary Report.”

o For credit review loans only, compare elements from source documents to the data file provided (See Exhibit C and C1).

o For any data discrepancies based on calculated fields, disclose the component/source data. For any data discrepancies based on calculated fields, disclose the discrepancy result formatted to Freddie Mac’s data standards (i.e., follow the rounding conventions described in Exhibit C and C1).

o The data elements compared were:

1. Loan Identifier

2. Amortization Type

3. Property State

4. Postal Code

5. First Payment Date

6. Maturity Date

7. Original Interest Rate

8. Original Unpaid Principal Balance

9. Loan Purpose

10. Property Type

11. Number of Units

12. Occupancy Status

13. Number of Borrowers

14. Credit Score

15. Original Loan-to-Value (LTV)

16. Original Combined Loan- To-Value (CLTV)

17. Original HELOC Combined Loan to Value Ratio (HCLTV)

18. Original Debt-To-Income (DTI) Ratio*

19. First Time Homebuyer

20. Prepayment Penalty Indicator

21. Mortgage Insurance Percentage (MI %)

22. Original Loan Term

23. Mortgage Insurance Company Name

24. MI Insurance Type

25. Property Valuation Type

26. Property Valuation Date

27. Channel

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*DTI differences were grouped into the following categories: DTI differences greater than +/- 2.0% and less than or equal to +/- 5.0%; DTI discrepancies greater than +/- 5.0%

Credit and Eligibility Component Grading Definitions:

Grade A – The loan conforms to all applicable credit guidelines, no conditions noted.

Grade B – The loan does not meet every applicable credit guideline, however most of the loan characteristics are within the guidelines and there are documented and significant compensating factors.

Grade C – The loan does not meet every applicable credit guideline, and one or more exceptions noted are either considered non-curable, are curable with supplemental documentation, or are not related to missing file documentation.

Grade D – The loan file is missing critical documentation required to perform the review.

Regulatory Compliance Component Grading Definitions:

Grade A – The loan is in compliance with agreed-upon federal and state local high cost and/or anti-predatory laws; no issues noted.

Grade B – The loan is in compliance with agreed-upon federal and state local high cost and/or anti-predatory laws; but minor evidentiary issues exist.

Grade C – The loan included material exceptions to agreed-upon federal and state lending high cost and/or anti-predatory laws.

Grade D – The loan file is missing critical documentation required to perform the review.

Property Valuation Component Grading Definitions:

Grade A – The loan conforms to all applicable property valuation guidelines, the appraisal was thorough and complete, and the appraised value appears to be supported.

Grade B – The loan does not meet every applicable property valuation guideline, however most of the loan characteristics are within the guidelines and there are documented and significant compensating factors.

Grade C – The loan does not meet every applicable property valuation guideline; the appraisal was not thorough and complete; and/or the appraised value does not appear to be supported.

Grade D – The loan file is missing critical appraisal or other valuation method documentation required to perform the review.

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Summary of Results:

Property Valuation Cascade

AVM Results

Automated Valuation Model (AVM) reports were ordered on the 350 of the 350 loans sampled. The results of the AVM orders are as follows:

279 AVM results supported the Appraisal Value within -10%.

46 AVM results had a variance over -10% of the Appraisal Value

25 AVM results contain no hit due to the lack of available data in the property location.

Desk Review Results

Appraisal Risk Review (ARR) or Appraisal Desktop with Inspection (ADI) reports were ordered on the 46 AVM results with a variance over -10% and the 25 AVM results with no hit due to lack of available data, for a total of 69 ARR orders and 2 ADI orders. The results of the ARR and ADI orders are as follows:

69 ARR results supported the Appraisal Value within -10%.

1 ADI results supported the Appraisal Value within -10%.

1 ADI results had a variance over -10% of the Appraisal Value.

Field Review Results

0 Field Review Appraisals were required to be ordered on the sample.

Credit and Eligibility, Compliance, and Property Valuation Review

Adfitech, Inc. completed the initial review of the Credit and Eligibility and Property Valuation Reviews on 275 loans, and Dual Reviews of both Credit/Valuation and Compliance on 75 loans, for a total of 350 loans. Of the loans initially reviewed, 54 had one or more findings and 296 had no findings.

Adfitech, Inc. completed the final review after the rebuttal process of the Credit and Eligibility, Property Valuation Review, and Dual Reviews on 350 loans. As of the final review, 9 loans had one or more findings and 341 had no findings. A summary of the final event grades driven by the findings is provided below.    

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Due Diligence Loan Summary Report

Status/ Event Grade	Overall Event Count	Original Principal Balance	Percent of   Sample
Total Sample	350	$116,337,860.00	100.0%
Complete	350	$116,337,860.00	100.0%
Event Grade A	341	$113,349,850.00	97.43%
Event Grade B	5	$1,430,410.00	1.43%
Event Grade C	2	$875,100.00	0.57%
Event Grade D	2	$682,500.00	0.57%

Grading Considerations:

The review was completed considering both guideline documentation requirements and the totality of the characteristics of the loan, including reasonability and compensating factors. When additional, non-AUS required documentation was present, it was reviewed and considered, and grading was adjusted accordingly. Adfitech, Inc. reviewed all loans on a holistic basis for compliance with Freddie Mac’s loan eligibility requirements. In accordance with the rating methodology, the loans were placed in the most applicable grades, A through D.

There were 341 of 350 loans graded an “A” that met all Freddie Mac credit and documentation standards. There were also loans where Adfitech, Inc. found alternative documentation in the file to determine the loan met all Freddie Mac eligibility criteria.

There were 5 of 350 loans graded a “B” that did not meet every applicable credit or valuation guideline; however, most of the loan characteristics were within guidelines and had significant compensating factors. There were also loans that lacked one or more required documents to meet Freddie Mac’s documentation standards but did have sufficient other documentation to reasonably support the loan’s eligibility.

There were 2 of 350 loans graded a “C” that did not meet every applicable credit or valuation guideline, and one or more exceptions were noted that were incurable or would be curable with supplemental documentation.

There were 2 of 350 loans graded a “D” due to the loan file is missing critical documentation required to perform the review.

Freddie Mac responded to 72 findings covering 54 loans. 70 responses were to credit findings, 1 was to a valuation finding, and 1 was to a compliance finding. The responses resulted in 67 finding grades changing and 5 finding grades remaining unchanged.

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Grade Migration
Loan Number	Initial Overall Grade	Final Overall Grade	Component	Migration
XXXXXXXXX	D	D	Credit	Confirmed
XXXXXXXXX	D	D	Credit	Changed
XXXXXXXXX	D	D	Credit	Changed
XXXXXXXXX	D	D	Compliance	Changed
XXXXXXXXX	D	D	Credit	Confirmed
XXXXXXXXX	D	D	Credit	Confirmed
XXXXXXXXX	C	C	Credit	Confirmed
XXXXXXXXX	C	C	Valuation	Confirmed
XXXXXXXXX	D	B	Credit	Changed
XXXXXXXXX	D	B	Credit	Changed
XXXXXXXXX	D	B	Credit	Changed
XXXXXXXXX	C	B	Credit	Changed
XXXXXXXXX	C	B	Credit	Changed
XXXXXXXXX	D	B	Credit	Changed
XXXXXXXXX	D	A	Credit	Changed
XXXXXXXXX	D	A	Credit	Changed
XXXXXXXXX	D	A	Credit	Changed
XXXXXXXXX	D	A	Credit	Changed
XXXXXXXXX	D	A	Credit	Changed
XXXXXXXXX	D	A	Credit	Changed
XXXXXXXXX	D	A	Credit	Changed
XXXXXXXXX	D	A	Credit	Changed
XXXXXXXXX	D	A	Credit	Changed
XXXXXXXXX	D	A	Credit	Changed
XXXXXXXXX	D	A	Credit	Changed
XXXXXXXXX	D	A	Credit	Changed
XXXXXXXXX	D	A	Credit	Changed
XXXXXXXXX	D	A	Credit	Changed
XXXXXXXXX	D	A	Credit	Changed
XXXXXXXXX	D	A	Credit	Changed
XXXXXXXXX	D	A	Credit	Changed
XXXXXXXXX	D	A	Credit	Changed
XXXXXXXXX	D	A	Credit	Changed
XXXXXXXXX	D	A	Credit	Changed
XXXXXXXXX	D	A	Credit	Changed
XXXXXXXXX	D	A	Credit	Changed
XXXXXXXXX	D	A	Credit	Changed
XXXXXXXXX	D	A	Credit	Changed
XXXXXXXXX	D	A	Credit	Changed
XXXXXXXXX	D	A	Credit	Changed

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XXXXXXXXX	D	A	Credit	Changed
XXXXXXXXX	D	A	Credit	Changed
XXXXXXXXX	D	A	Credit	Changed
XXXXXXXXX	D	A	Credit	Changed
XXXXXXXXX	D	A	Credit	Changed
XXXXXXXXX	D	A	Credit	Changed
XXXXXXXXX	D	A	Credit	Changed
XXXXXXXXX	D	A	Credit	Changed
XXXXXXXXX	D	A	Credit	Changed
XXXXXXXXX	D	A	Credit	Changed
XXXXXXXXX	D	A	Credit	Changed
XXXXXXXXX	D	A	Credit	Changed
XXXXXXXXX	D	A	Credit	Changed
XXXXXXXXX	D	A	Credit	Changed
XXXXXXXXX	D	A	Credit	Changed
XXXXXXXXX	D	A	Credit	Changed
XXXXXXXXX	D	A	Credit	Changed
XXXXXXXXX	D	A	Credit	Changed
XXXXXXXXX	D	A	Credit	Changed
XXXXXXXXX	D	A	Credit	Changed
XXXXXXXXX	D	A	Credit	Changed
XXXXXXXXX	D	A	Credit	Changed
XXXXXXXXX	D	A	Credit	Changed
XXXXXXXXX	D	A	Credit	Changed
XXXXXXXXX	C	A	Credit	Changed
XXXXXXXXX	C	A	Credit	Changed
XXXXXXXXX	C	A	Credit	Changed
XXXXXXXXX	C	A	Credit	Changed
XXXXXXXXX	B	A	Credit	Changed
XXXXXXXXX	B	A	Credit	Changed
XXXXXXXXX	B	A	Credit	Changed
XXXXXXXXX	B	A	Credit	Changed

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Data Discrepancy Summary:

There were 34 total discrepancies found on 33 loans in the data integrity review. Of the 27 different types of discrepancy categories, 100.00% of the issues fell into the following 9 categories: DTI (DTI > 5% and DTI Between 2 – 5%), First Time Home Buyer, FICO Credit Score, Loan Purpose, MI Percentage, Mortgage Insurance Company, Property Type, Property Valuation Date, and Property Valuation Type. The remaining 18 categories accounted for 0.00% of the total.

Data Discrepancy Summary Report

Discrepancy Type	Loan Count		% by Count
DTI > 5%		5		14.72	%
DTI Between 2 – 5%		4		11.76	%
First Time Home Buyer		9		26.47	%
FICO Credit Score		2		5.88	%
Loan Purpose		2		5.88	%
MI Percentage		1		2.94	%
Mortgage Insurance Company		1		2.94	%
Property Type		7		20.59	%
Property Valuation Date		2		5.88	%
Property Valuation Type		1		2.94	%
Total Discrepancies		34
Distinct Loans With Discrepancies		33

Reports delivered:

• Freddie STACR TM – Data Discrepancy Summary Report

• Freddie STACR TM – Exception Detail Loan Level

• Freddie STACR TM – Exception Detail Loan Level With Rating Agency Grades

• Freddie STACR TM Cumulative Product Tracker

The documents were sufficient to render satisfactory reviews. The results were captured in the reports listed above and are included in the review delivery package. The review was conducted independently. There was no influence by any parties to this transaction.

ADFITECH, INC.

By:              

Name:  Dru Jacobs

Title:     President

Date:    11/20/18

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Exhibit C: Data Validation Field Definitions and Source Documents

#	Data Field	Description and Calculation (as applicable)	Source Document/Notes
1	Loan Identifier	For identification purposes only (Freddie Mac #)
2	Amortization Type (formerly known as Product Type)	Denotes whether the mortgage is a fixed-rate mortgage or an adjustable rate mortgage. ”Not Available” will be indicated by null. FRM = Fixed Rate ARM = Adjustable Rate	Source: Note
3	Property State	A two-letter abbreviation indicating the state or territory within which the property securing the mortgage is located.	Sources (in order): 1. Appraisal Report 2. Note 3. Title Commitment or Title Policy 4. Hud-1 Settlement Statement
4	Postal Code	The first five digits of the postal code for the location of the mortgaged property.	Sources (in order): 1. Appraisal Report 2. Note 3. Title Commitment or Title Policy 4. Hud-1 Settlement Statement
5	First Payment Date	The month and year that the first scheduled payment on the loan is due. For seller-owned modified mortgages, converted mortgages, and construction to permanent mortgages, the first payment due date of the mortgage as of the note modification, conversion, or construction to permanent date of the mortgage.	Source: Note
6	Maturity Date	The month and year in which the final monthly payment on the loan is due. For construction to permanent loans and seller owned modifications, use the note/modification agreement that represents the permanent financing.	Source: Note
7	Original Interest Rate aka Original Note Rate	The interest rate of the loan as stated on the note at the time the loan was originated.	Source: Note For construction to permanent loans and seller owned modifications, use the note/modification agreement that represents the permanent financing.

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8	Original UPB	The dollar amount of the loan as stated on the note at the time the loan was originated. For seller-owned modified mortgages, converted mortgages, and construction to permanent mortgages, the UPB of the mortgage as of the note modification, conversion, or construction to permanent date of the mortgage.	Source: Note The value is truncated for any cents present. Example: If $xxx,xxx.52, result would be $xxx,xxx. (Whole Dollars Only)
9	Loan Purpose	The classification describing the purpose of the loan. Generally, a Cash-out Refinance mortgage loan is a mortgage loan in which the use of the loan amount is not limited to specific purposes. A mortgage loan placed on a property previously owned free and clear by the Borrower is always considered a Cash-out Refinance mortgage loan. Generally, a No Cash-out Refinance mortgage loan is a mortgage loan in which the loan amount is limited to the following uses: •   Pay off the first mortgage, regardless of its age •   Pay off any junior liens secured by the mortgaged property, that were used in their entirety to acquire the subject property •   Pay related closing costs, financing costs and prepaid items, and •   Disburse cash out to the Borrower (or any other payee) not to exceed 2% of the new refinance mortgage loan or $2,000, whichever is less As an exception to the above, for construction conversion mortgage loans and renovation mortgage loans, the amount of the interim construction financing secured by the mortgaged property is considered an amount used to pay off the first mortgage. Paying off unsecured liens or construction costs paid by the Borrower outside of the secured interim construction financing is considered cash out to the Borrower, if greater than $2000 or 2% of loan amount. This disclosure is subject to various special exceptions used by Sellers to determine whether a mortgage loan is a No Cash-out Refinance mortgage loan P = Purchase C = Cash-out Refinance N = No Cash-out Refinance R = Refinance – Not Specified 9 = Not Available	Sources: 1. Loan Application 2. HUD-1 Settlement Statement (if the transaction has a junior lien(s), the title may also need to be reviewed)

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10	Property Type	The classification describing the type of property that secures the loan. “Not Available” will be indicated by 99. CO = Condominium PU = Planned Unit Development MH = Manufactured Housing SF = Single-Family CP = Cooperative 99 = Not Available	Sources: Appraisal, other collateral documentation or Loan Product Advisor (LPA) Feedback Certificate for Automated Collateral Evaluation (ACE) loans..
11	Number Of Units	The number of dwelling units in the mortgaged property at the time the loan was originated. If value is <1 or >4, then the count is considered Not Available. 1 = 1-unit 2 = 2-unit 3 = 3-unit 4 = 4-unit 99 = Not Available	Sources: Appraisal, other collateral documentation or Loan Product Advisor (LPA) Feedback Certificate for Automated Collateral Evaluation (ACE) loans..
12	Occupancy Status	The classification describing the property occupancy status at the time the loan was originated. “Not Available” will be indicated by 9. P = Primary Residence I = Investment Property S = Second Home 9 = Not Available	Source: Loan application unless other loan file documents contain inconsistent information Note: Occupancy is a judgment decision and is not confirmed by any source in the loan file.
13	Number of Borrowers	The number of Borrower(s) who, at the time the loan was originated, are obligated to repay the loan. If value is <1 or >10, then the count is considered Not Available. 1 = 1 borrower                    7 = 7 borrowers 2 = 2 borrowers                  8 = 8 borrowers 3 = 3 borrowers                  9 = 9 borrowers 4 = 4 borrowers                 10 = 10 borrowers 5 = 5 borrowers                 99 = Not Available (> 10 borrowers) 6 = 6 borrowers	Source: Note

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14	Credit Score	The standardized credit score used to evaluate the borrower during the loan origination process. Generally, the credit score disclosed is the score known at the time of PC issuance and is the score used to originate the mortgage. An unavailable credit score or a credit score value less than 300 or greater than 850 will be disclosed as “Not Available,” which will be indicated by 9999. 9999 = Not Available	Sources: Credit report or Loan Prospector Loan Prospector (LPA) feedback or Desktop Underwriter (DU) Findings Tape value credit score for each borrower must match a value in any one of these source documents. Please reference Freddie Mac Seller/Servicer Guide Section 5203.2 for additional details.
15	Original Loan-To-Value (LTV)	The ratio, expressed as a percentage, obtained by dividing the amount of the loan at origination by the value of the property. Property value reflects either the lesser of the sales price or the appraised property value for a purchase, or the appraised property value for a refinance. In the case of a seasoned mortgage loan, if the Seller cannot warrant that the value of the mortgaged property has not declined since the note date, Freddie Mac requires that the Seller must provide a new appraisal value, which is used in the LTV calculation. Percentages below 1% or greater than 998% will be disclosed as “Not Available” indicated by 999. 999 = Not Available	Sources (in order): 1. Note 2. Appraisal 3. Loan Product Advisor (LPA) Feedback Certificate for Automated Collateral Evaluation (ACE) loans 4. HUD-1 Settlement Statement This value is truncated at the second decimal and then rounded up to the next integer. For example, if LTV is calculated to 75.0199, truncate the value to 75.01 then round up to .76 or 76%
16	Original Combined Loan-To-Value (CLTV)	The ratio, expressed as a percentage, obtained by dividing the amount of all known outstanding loans at origination by the value of the property. Property value reflects either the lesser of the sales price or the appraised property value for a purchase, or the appraised property value for a refinance. If the secondary financing amount disclosed by the Seller includes a home equity line of credit, then the CLTV calculation reflects the disbursed amount at closing of the first lien mortgage loan, not the maximum loan amount available under the home equity line of credit. In the case of a seasoned mortgage loan, if the Seller cannot warrant that the value of the mortgaged property has not declined since the note date, Freddie Mac requires that the Seller must provide a new appraisal value, which is used in the CLTV calculation. Percentages less than 1% or greater than 998% will be disclosed as “Not Available” indicated by 999. 999 = Not Available	Sources: •  Note(s) •  HUD-1 Settlement Statement •  Credit Report •  Sales contract •  Appraisal •  Loan Product Advisor (LPA) Feedback Certificate for Automated Collateral Evaluation (ACE) loans •  Title Commitment or Title Policy Also known as TLTV (total loan-to-value) ratio. This data may vary depending on available source documents used to calculate and/or report the value. This value is truncated at the second decimal and then rounded up to the next integer. For example, if CLTV is calculated to 75.0199, truncate the value to 75.01 then round up to .76 or 76%.

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     3001 Technology Drive, Edmond, OK 73013

17	Original HELOC Combined Loan to Value Ratio (HCLTV)	The ratio, expressed as a percentage, obtained by dividing the amount of all known outstanding loans at origination by the value of the property. Property value reflects either the lesser of the sales price or the appraised property value for a purchase, or the appraised property value for a refinance. If the secondary financing amount disclosed by the Seller includes a home equity line of credit, then the HCLTV calculation reflects the maximum loan amount available under the home equity line of credit. In the case of a seasoned mortgage loan, if the Seller cannot warrant that the value of the mortgaged property has not declined since the note date, Freddie Mac requires that the Seller must provide a new appraisal value, which is used in the HCLTV calculation. This disclosure is subject to the widely varying standards originators use to calculate and / or report Borrowers’ secondary mortgage loan amounts. Percentages below 6% or greater than 135% will be disclosed as ”Unknown,” which will be indicated by null. 999 = Not Available	Sources: 1. Note / HELOC Agreement 2. Credit Report(s) 3. Sales contract 4. Appraisal 5. Loan Product Advisor (LPA)    Feedback Certificate for    Automated Collateral    Evaluation (ACE) loans 7. HUD-1 Settlement Statement 8. Title Commitment or Title Policy This data may vary depending on available source documents used to calculate and/or report the value. This value is truncated at the second decimal and then rounded up to the next integer. For example, if HCLTV is calculated to 75.0199, truncate the value to 75.01 then round up to .76 or 76%.
18	Original Debt-To-Income (DTI) Ratio	The ratio obtained by dividing the total monthly debt expense by the total monthly income of the borrower at the time the loan was originated. Disclosure of the debt to income ratio is based on (1) the sum of the borrower’s monthly debt payments, including monthly housing expenses that incorporate the mortgage payment the borrower is making at the time of the delivery of the mortgage loan to Freddie Mac, divided by (2) the total monthly income used to underwrite the borrower as of the date of the origination of the mortgage loan. This disclosure is subject to the widely varying standards originators use to calculate and/or report Borrowers’ income and liabilities. Percentages less than 1% or greater than 65% will be disclosed as “Not Available,” which will be indicated by 999. 999 = Not Available	Value is acceptable if the DTI is within 2% (+/-) of the Data Tape. Sources: •  Income •  Credit report •  Other liability documentation This data is subject to the widely varying standards that originators use to calculate Borrowers’ income and liabilities. This value is truncated at the second decimal and then rounded to the nearest integer. For example, •  If DTI is calculated to 75.499, truncate the value to 75.4 and then round to 75%. •  If DTI is calculated to 75.501, truncate the value to 75.5 and then round to 76%.

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     3001 Technology Drive, Edmond, OK 73013

19	First Time Homebuyer	The indicator denoting whether a borrower on the loan qualifies as a first-time homebuyer. Indicates whether the Borrower, or one of a group of Borrowers, is an individual who (1) is purchasing the mortgaged property, (2) will reside in the mortgaged property as a primary residence and (3) had no ownership interest (sole or joint) in a residential property during the three-year period preceding the date of the purchase of the mortgaged property. With certain limited exceptions, a displaced homemaker or single parent may also be considered a First-Time Homebuyer if the individual had no ownership interest in a residential property during the preceding three-year period other than an ownership interest in the marital residence with a spouse. “Not Available” will be indicated by 9. Y = Yes N = No 9 = Not Available	Sources: Application or credit report, Loan Prospector System or Desktop Underwriter Findings (together, the “Credit Report”)
20	Prepayment Penalty Indicator aka Prepayment Penalty Mortgage (PPM) Flag	The indicator denoting whether the borrower is subject to a penalty for early payment of principal. Y = PPM N = Not PPM	Sources: Note or prepayment penalty rider (the “Prepayment Penalty Rider”)
21	Mortgage Insurance Percentage (MI %)	The percentage of mortgage insurance coverage obtained at origination in effect at the time of Freddie Mac’s purchase of the mortgage loan. Only primary mortgage insurance that is purchased by the Borrower, lender, investor or Freddie Mac is disclosed. Mortgage insurance that constitutes “credit enhancement” that is not required by Freddie Mac’s Charter is not disclosed. Amounts of mortgage insurance reported by Sellers that are in excess of 55% will be disclosed as “Not Available,” which will be indicated by 999. 0 = No MI 999 = Not Available	Sources: Mortgage Insurance Certificate and other related mortgage insurance documentation (together, the “Mortgage Insurance Documentation”) See Addendum to be attached in .PDF
22	Original Loan Term	The number of months in which regularly scheduled borrower payments are due.	Source: Note

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     3001 Technology Drive, Edmond, OK 73013

23	Mortgage Insurance Company Name	The private MI company short/common name from whom the private mortgage insurance coverage was obtained. If, at the time of Freddie Mac’s purchase of the mortgage loan, the loan did not have MI or MI is unknown, then this field will be disclosed as “Not Applicable,” which will be indicated by 77. 77 = Not Applicable 01 = CMG / ArchMI 02 = Essent 03 = Genworth 04 = MGIC 05 = PMI 06 = Radian 07 = RMIC 08 = Triad 09 = UGI 11 = CAHLIF 12 = CMG Pre Sep 94 14 = MIF 15 = RMIC-NC 44 = NMI 50 = IMAGIN	Sources: Mortgage Insurance Certificate and other related mortgage insurance documentation (together, the “Mortgage Insurance Documentation”)
24	Mortgage Insurance Type	The entity that is responsible for the Mortgage Insurance premium payment. If, at the time of Freddie Mac’s purchase of the mortgage loan, the loan did not have MI then this field will be disclosed as Not Applicable. If the Source Type is not identified in the Mortgage Insurance Documentation, identify the source of funds paid for the purpose of mortgage insurance on the HUD-1 Settlement Statement. 1 = Borrower Paid 2 = Lender Paid 3 = Investor Paid 7 = Not Applicable or Not Available	Sources: Hud-1 Settlement Statement, Mortgage Insurance Certificate and other related mortgage insurance documentation (together, the “Mortgage Insurance Documentation”)

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     3001 Technology Drive, Edmond, OK 73013

Exhibit C1: Data Validation Field Definitions and Source Documents

#	Data Field	Description and Calculation (as applicable)	Source Document/Notes
1	Property Valuation Type	Specifies the method by which the property value, which is used to calculate the LTV, was assessed (with the exception of where the purchase price is used in the LTV). If the method is ”Unknown,” it will be indicated by null. 01 = Full Appraisal 02 = Drive By 03 = Prior Appraisal Used 04 = Desktop Appraisal 05 = Automated Valuation Model (AVM) 06 = None 07 = Field Review 23 = Other	Source: Appraisal Report or Loan Product Advisor (LPA) Feedback Certificate for Automated Collateral Evaluation (ACE) Loans
2	Property Valuation Date	Specifies the month and year on which the most recent property valuation, as of loan delivery to Freddie Mac, was reported. If the valuation has decreased from the original property valuation, Sellers are instructed to use the new, lower value. If the property value has not declined, Sellers are to deliver the original property value obtained. In the case of a seasoned mortgage loan, if the Seller cannot warrant that the value of the mortgaged property has not declined since the note date, Freddie Mac requires the Seller to provide a new appraisal value. If the method is ”Unknown,” it will be indicated by null. Numeric (date)	Source: Appraisal Report or Loan Product Advisor (LPA) Feedback Certificate for Automated Collateral Evaluation (ACE) Loans

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     3001 Technology Drive, Edmond, OK 73013

Channel The origination channel used by the party that delivered the loan to the issuer.   Disclosure indicates whether a Broker or Correspondent, as those terms are defined below, originated or was involved in the origination of the mortgage loan. If a Third-Party Origination is applicable, but the Seller does not specify Broker or Correspondent, the disclosure will indicate “TPO - Not Specified.” If a Broker, Correspondent or Third Party Origination disclosure is not applicable, the mortgage loan will be designated as Retail, as defined below. -Broker is a person or entity that specializes in loan originations, receiving a commission (from a Correspondent or other lender) to match Borrowers and lenders. The Broker performs some or most of the loan processing functions, such as taking loan applications, or ordering credit reports, appraisals and title reports. Typically, the Broker does not underwrite or service the mortgage loan and generally does not use its own funds for closing; however, if the Broker funded a mortgage loan on a lender’s behalf, such a mortgage loan is considered a “Broker” third party origination mortgage loan. The mortgage loan is generally closed in the name of the lender who commissioned the Broker’s services. -Correspondent is an entity that typically sells the Mortgages it originates to other lenders, which are not Affiliates of that entity, under a specific commitment or as part of an ongoing relationship. The Correspondent performs some or all of the loan processing functions, such as taking the loan application, ordering credit reports, appraisals, and title reports, and verifying the Borrower’s income and employment. The Correspondent may or may not have delegated underwriting and typically funds the mortgage loans at settlement. The mortgage loan is closed in the Correspondent’s name and the Correspondent may or may not service the mortgage loan. The Correspondent may use a Broker to perform some of the processing functions or even to fund the loan on its behalf; under such circumstances, the mortgage loan is considered a “Broker” third party origination mortgage loan, rather than a “Correspondent” third party origination mortgage loan. -Retail Mortgage is a mortgage loan that is originated, underwritten and funded by a lender or its Affiliates. The mortgage loan is closed in the name of the lender or its Affiliate and if it is sold to Freddie Mac, it is sold by the lender or its Affiliate that originated it. A mortgage loan that a Broker or Correspondent completely or partially originated, processed, underwrote, packaged, funded or closed is not considered a Retail mortgage loan. -For purposes of the definitions of Correspondent and Retail, “Affiliate” means any entity that is related to another party as a consequence of the entity, directly or indirectly, controlling the other party, being controlled by the other party, or being under common control with the other party.   R = Retail B = Broker C = Correspondent T = Third Party Origination - Not Specified 9 = Not Available     Source: Loan file documentation

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Deal Name:	2018-SPI4
Loan Count:	33

Loan Number	Data Tape Field	Tape Data	Reviewer Data	Discrepancy Comment	Freddie Mac Rebuttal (Agree/Disagree)	FM Comments	Vendor Final Response
XXXXXXXXX	DTI > 5%	29%	36%	The Tape Data reflected the DTI as 29%; however, QC calculated a DTI of 35.83%. It appears the Co-Borrower's income was considered in qualifying. However, the re-verification reflects a separation date of X/XX/XXXX which was prior to the Note date of X/X/XXXX. QC omitted the Co-Borrower's income in qualifying resulting in the increase of the DTI. It is noted, QC used higher income for the Borrower utilizing the YTD and XXXX W2 earnings.	Agree	The Tape Data is not accurate. File documentation supports a DTI of 36%.	Accept
XXXXXXXXX	DTI > 5%	32%	38%	The Tape Data reflected the DTI as 32.00%; however, the income and credit documentation in the loan file reflected 75.88%. The increase in the DTI is due to the inclusion of the Borrower's negative rental income. LP was submitted with $-X.XX in negative rental income; however, QC calculated $-X,XXX.XX in negative rental income. The Borrower has two investment properties that were not included in the DTI ratio per the LP approval. The loan file contained documentation reflecting the loan was ran through Loan Beam and the rental properties were excluded from the DTI ratio. Using the Borrower's XXXX Schedule E, QC calculated negative cash flow of $-X,XXX.XX for rental #X and $-X,XXX.XX for rental #X.	Agree	The Tape Data is not accurate. However, Freddie Mac agrees the documents in the loan file support a DTI of 38% when the rental property losses are included in the qualifying ratios. Please reconsider the exception. Loan was incorrectly delivered with the LAS pilot program (XXXXXXXX) mortgage flag. Freddie Mac agrees the Lender did not include the rental losses in qualifying. Using the Freddie Mac Form 91 to calculate the rental income results in rental #X loss of $XX per month and rental #X loss of $XXX per month. Including these losses in the qualifying ratios results in an increase from the original 32% DTI to a 38% DTI. The loan is acceptable as a manually underwritten loan.	Accept - Using the Freddie calculation method for calculating the rental income the DTI for the subject loan would be acceptable at 38% for a manually underwritten loan. A tape data disrepancy remains from 32% to 38%.
XXXXXXXXX	DTI > 5%	49%	23%	The Tape Data reflected the DTI as 49.00%; however, the income and credit documentation in the loan file reflected 23.17%. The loan file did not contain a AUS approval or final application to reflect the approved ratios, income or debts used in qualifying. QC calculated the DTI of 23.17% using the provided documentation in file.	Agree	The Tape Data is not accurate. The LP Feedback and file documentation support the lower DTI of 23%.	Accept
XXXXXXXXX	DTI > 5%	49%		The Tape Data reflected the DTI as 49%; however, due to the lack of documentation for the HELOC, the final DTI could not be calculated and is unknown.	Agree	The Tape Data is not accurate. The balance of the undisclosed HELOC at closing is unknown and a DTI cannot be determined.	Accept
XXXXXXXXX	DTI > 5%	11%	39%	The Tape Data reflected the DTI as 11.00%; however, the income and credit documnetation in the loan file reflected 38.98%.	Agree	The Tape Data is not accurate. The DTI is 39% matching the LPA approval.	Accept
XXXXXXXXX	DTI 2-5%	38%	42%	The Tape Data reflected the DTI as 38.00%; however, the income and credit documentation in the loan file reflected 41.61%. LP reflects the loan was approved with a DTI of 40%. The Borrower's income used in qualifying by LP and QC was $X,XXX.XX and total monthly debts from both Borrowers of $X,XXX.XX. QC used the debts reflected on the lender's credit report for the Borrower dated XX/XX/XXXX and for the Co-Borrower dated XX/XX/XXXX. The Co-Borrower's income was not used in qualifying on the LP or by QC, further the file did not contain income documentation for the Co-Borrower.	Agree	The Tape Data is not accurate. The file documentation supports a DTI of 42%.	Accept
XXXXXXXXX	DTI 2-5%	15%	18%	The Tape Data reflected the DTI as 15%; however, QC calculated a DTI of 18%. The lender utilized income of $XX,XXX.XX per month; however, the calculation of same could not be determined. The written VOE reflects an annual salary of $XXX,XXX, which equates to $XX,XXX.XX. Additionally, the pay stubs in file reflect a bi-weekly rate of $X,XXX and a handwritten notation shows the calculation of this income as $X,XXX x XX - $XXX,XXX.XX / XX = $XX,XXX.XX monthly. This supports the annual salary on the written VOE. Using the lower income resulted in the increase of the DTI.	Agree	The Tape Data is not accurate. Freddie Mac agrees that the DTI is within the LP-approved tolerance.	Accept
XXXXXXXXX	DTI 2-5%	24%	27%	The Tape Data reflected the DTI as 24.00%; however, the income and credit documentation in the loan file reflected 33.02%. The increase in the DTI is due to additional debt. The DU was submitted with total monthly debt of $X,XXX.XX; however, QC calculated total monthly debt of $X,XXX.XX. The DU reflects other monthly debt of $X.XX, subject negative cash flow of $-X,XXX.XX and Primary PITI of $XXX. QC calculated the debt of $X,XXX.XX using the following: -Debt reflected on the lender's credit report dated XX/XX/XXXX $XXX -XXXXXX $XX -XXXXXXXXX $XX -XXX XXX $XX -XXXXX $XX -Primary PITI $XXX -Subject negative cash flow $-X,XXX.XX The loan file did not contain any documentation reflecting the debts reflected on the lender's credit report with closed prior to closing or documentation to support the exclusion of the debts. Due to the increase in the total monthly debt the DTI increased to 33.02% from 23.75%. QC rated the comment downward due to the loan meeting standard guidelines.	Agree	The Tape Data is not accurate; however, Freddie Mac calculated the DTI at 27%, which is within X% of the delivered data using subject negative rental income of ($X,XXX). Using the XXXX XXXXXXX X negative cash flow of ($X,XXX) plus insurance $X,XXX,mortg interest $X,XXX, taxes $X,XXX, depreciation $XX,XXX = $XX,XXX/XX months = $X,XXX less subject PITI $X,XXX = ($X,XXX). The DTI with the negative rental income of ($X,XXX) is XX%.	Accept - Utilizing the one year of rental, QC calculates the same DTI of 27%, which remains out of tolerance for the Tape Data DTI of 24%.
XXXXXXXXX	DTI 2-5%	28%	32%	The Tape Data reflected the DTI as 28%; however, the documentation in the loan file supports a DTI of 60%. The re-verification confirmed the Borrower's separation date from the current employer was on X/XX/XXXX, which was prior to the Note date of X/XX/XXXX. The file contains income documentation from this employer; however, a verbal VOE dated X/XX/XXXX indicates the Borrower obtained new employment on X/XX/XXXX. Documentation from same was not in file and the income used in qualifying was from the previous employment. Without income documentation from the new employer, QC omitted the Borrower's income resulting in the increase of the DTI.	Agree	Please reconsider the exception. The Borrower obtained new employment on X/XX/XX, prior to closing. A VOE and paystub confirming monthly base income of $XXXX which yields a DTI of 31% has been forwarded for your review.	Accept - With the recept of the new VOE for the Borrower, in regards to the change of employment and verification of income supporting $X,XXX/mo, the DTI is adjusted to XX.XX% from the Tape Data DTI of 28%.
XXXXXXXXX	FICO	764	749	The Tape Data reflected the Credit Score as 764; however, the lender's credit report in the loan file reflected 749. The lender's credit report in file dated XX/XX/XXXX reflects a median score of 764 for the Borrower and 749 for the Co-Borrower.	Agree	The Tape Data is not accurate. There are no documents in the file to indicate the score is 764, the documents verify a score of 749.	Accept
XXXXXXXXX	FICO	777	763	The Tape Data reflected the Credit Score as 777; however, the lender's credit report in the loan file reflected 763. The lender's credit report in file dated XX/XX/XXXX reflects a median score of 777 for the Borrower and 763 for the Co-Borrower.	Agree	The Tape Data is not accurate. The file documentation confirms the qualifying credit score of 763.	Accept
XXXXXXXXX	First Time Homebuyer	N	Y	The Tape Data reflected the first time home buyer as no; however, the application in the loan file indicates the Borrower has not had ownership within the last XXXXX years. The Borrower is a first time home buyer.	Agree	The Tape Data is not accurate. The Borrower is a first time homebuyer as per the loan application and credit report.	Accept
XXXXXXXXX	First Time Homebuyer	N	Y	The Tape Data reflected the First Time Homebuyer as No; however, the application and lender's credit report in the loan file reflected Yes.	Agree	The Tape Data is not accurate. The documents in the file verify the borrowers are first time homebuyers.	Accept
XXXXXXXXX	First Time Homebuyer	N	Y	The Tape Data reflected the First Time Homebuyer as No; however, the loan application and lender's credit report in the loan file reflected Yes. The loan application and lender's credit for the Co-Borrower reflect First Time Homebuyer.	Agree	The Tape Data is not accurate. The documents in the file verify the co-borrower is a first time homebuyer.	Accept
XXXXXXXXX	First Time Homebuyer	N	Y	The Tape Data reflected the First Time Homebuyer as No; however, the final application and credit report in the loan file reflected Yes. The final application reflects the Borrower has not had any ownership interest in property in the last X years. The lender's credit reflects the Borrower has no open or prior mortgage accounts.	Agree	The Tape Data is not accurate. The documents in the file reflect Borrower is a first time homebuyer.	Accept
XXXXXXXXX	First Time Homebuyer	N	Y	The Tape Data reflected the First Time Home Buyer as no; however, the loan application in the loan file reflected the Co-Borrower as a First Time Home Buyer, therefore it should have been reflected as yes.	Agree	The Tape Data is not accurate. The loan file documents confirm the Coborrower is a First Time Homebuyer.	Accept
XXXXXXXXX	First Time Homebuyer	N	Y	The Tape Data reflected the First Time Homebuyer as No; however, the application and lender's credit report in the loan file reflected Yes. The loan application reflects the Borrower has not had ownership interest in the past X years and the lender's credit report does not reflect any open or closed mortgages.	Agree	The Tape Data is not accurate. The loan file documents confirm the Borrower is a First Time Homebuyer.	Accept
XXXXXXXXX	First Time Homebuyer	N	Y	The Tape Data reflected the First Time Homebuyer as No; however, the credit documentation in the loan file reflected Yes. The lender's credit report for the Borrower reflects the mortgage account is an individual account only held by the Borrower. The Co-Borrower's credit report does not reflect any mortgage account opened past or present. The mortgage was sold on XX/XX/XXXX and the Borrower is the only name listed as the seller.	Agree	The Tape Data is not accurate. The documents in the file verify the CB is a first time homebuyer.	Accept
XXXXXXXXX	First Time Homebuyer	Y	N	The Tape Data reflected the Borrower is a first time home buyer; however, the application reflects ownership of property. The Borrower is not a first time home buyer.	Agree	The Tape Data is not accurate. The Borrower owns a rental property per the application and tax returns therefore is not a First Time Home Buyer.	Accept
XXXXXXXXX	First Time Homebuyer	Y	N	The Tape Data reflected the First Time Homebuyer as Yes; however, the loan application and credit documentation in the loan file reflected No.	Agree	The Tape Data is not accurate. The application indicates the Borrower owns property in a foreign country and the mortgage is with a foreign bank not reporting on the credit report and therefore is not a First Time Home Buyer.	Accept
XXXXXXXXX	Loan Purpose	N	C	The Tape Data reflected the Loan Purpose as Refinance; however, the Closing Disclosure in the loan file reflected Cash-Out Refinance. The Closing Disclosure in file reflects the Borrower received funds at closing in the amount of $X,XXX.XX.	Agree	The Tape Data is accurate. While the Borrower did receive more than the allowed cash back, Freddie Mac feels the additional $XXX received by the Borrower is non material as the funds are minimal and not needed to close. Offsetting factors: Property owned for XX years,housing payment reduced by $XXX per month, 747 FICO score, over $X,XXX in assets verified and no rental income used in qualifying from the other units.	Agree - Tape data is being accepted as being correct as a refinance. The cash back amount of $XXX to the Borrower is being considered a non-material amount due to the Borrower having $X,XXX in verified assets, 75% LTV, 747 credit score and layering the existing payment $XXX. QC has revised the grade for this issue to a "B".
XXXXXXXXX	Loan Purpose	N	C	The Tape Data reflected the loan as a no cash out refinance; however, the Borrowers received over $X,XXX back at closing. Cash back of $X,XXX.XX, less POC of $XXX, results in actual cash to the Borrowers of $X,XXX.XX. This would indicate a cash out refinance.	Agree	The Tape Data is not accurate. The loan purpose was cash-out refinance. The loan still qualifies as a cash-out refinance.	Accept
XXXXXXXXX	MI %	30%	25%	The Tape Data reflected the MI Percentage as 30%; however, the MI Certificate in the loan file reflected 25%.	Agree	The Tape Data is not accurate. The MI percentage is 25%.	Accept
XXXXXXXXX	Mortgage Insurance Company	09	01	The Tape Data reflected the MI company as XXXX; however, the MI cert in the loan file reflected XXXX/XX.	Agree	The Tape Data is not accurate. XXXX and XXXX merged over a year ago and the MI certificate reflects XXXX.	Accept
XXXXXXXXX	Property Type	SF	PU	The Tape Data reflected the Property Type as Single Family; however, the appraisal in the loan file reflected PUD.	Agree	The Tape Data is not accurate. The appraisal and title confirm the property is a PUD.	Accept
XXXXXXXXX	Property Type	SF	CO	The Tape Data reflected the property type as 1-4 Fee Simple; however, the Mortgage and Title Policy in the loan file reflected Condominium. The Title Policy and Mortgage reflect the subject as XXX XXXX XXXXX a condominium according to the Master Deed and designated as XXXXXXX County Condominium Subdivision.	Agree	The Tape Data is not accurate. The subject is a site condo as identified on the title and appraisal.	Accept
XXXXXXXXX	Property Type	SF	PU	The Tape Data reflected the subject property as a 1-4 fee simple; however, the appraisal in the loan file reflected the subject is a PUD.	Agree	The Tape Data is not accurate. The appraisal confirms the property is located in a PUD.	Accept
XXXXXXXXX	Property Type	SF	CO	The Tape Data reflected the Property Type as 1-4 FeeSimple; however, the Mortgage, Appraisal and Title Policy in the loan file reflect Condominium. Schedule A of the Title Policy reflects the subject as XXXXX XXXXXX Condominium and designated as XXXXXX County Condominium Subdivision.	Agree	The Tape Data is not accurate the appraisal and title confirm the subject is a site condominium.	Accept
XXXXXXXXX	Property Type	SF	PU	The Tape Data reflected the subject as a 1-4 fee simple; however, the appraisal in the loan file reflected a PUD.	Agree	The Tape Data is not accurate. The appraisal confirms the property is in a PUD.	Accept
XXXXXXXXX	Property Type	SF	PU	The Tape Data reflected the subject as a 1-4 fee simple; however, the appraisal indicates the subject is a PUD.	Agree	The Tape Data is not accurate. The appraisal confirms the property is in a PUD.	Accept
XXXXXXXXX	Property Type	SF	PU	The Tape Data reflected the subject as a 1-4 Fee Simple; however, the appraisal reflects a PUD.	Agree	The Tape Data is not accurate. The appraisal confirms the property is in a PUD.	Accept
XXXXXXXXX	Property Valuation Date	X/X/XXXX	X/X/XXXX	The Tape Data reflected the valuation date as X/X/XXXX; however, the appraisal in the loan file reflected X/XX/XXXX.	Agree	The Tape Data is not accurate. The appraisal confirms the appraisal date is X/XX/XX.	Accept
XXXXXXXXX	Property Valuation Date		X/X/XXXX	The Tape Data reflected the Property Valuation Date as a blank; however, the appraisal in the loan file reflected XX/XXXX.	Agree	The Tape Data is not accurate. The loan was LPA approved and delivered without a requirement for an appraisal and the LPA date is X/XXXX.	Accept
XXXXXXXXX	Property Valuation Type	4	6	The Tape Data reflected the Valuation Type as Desktop Appraisal; however, the file does not contain an appraisal. The LPA indicated the loan was eligible for an appraisal waiver.	Agree	The Tape Data is not accurate. The loan was delivered with no appraisal due to the appraisal waiver given by LP.	Accept

Loan Number	Overall Grade	Credit Grade	Property Valuation Grade	Compliance Grade	Exception Category	Exception Sub-Category	Active Material Exceptions
XXXXXXXXX	D	D	A	A	1) CREDIT 2) CREDIT 3) COMPLIANCE 4) CREDIT	1) CLOSING DISCLOSURE 2) INSURANCE DOCUMENTATION 3) ANTI-PREDATORY 4) ASSET CALC/ANALYSIS	1) Documentation to support the Borrower had sufficient funds required for the closing costs was not evident in the file. Verified funds equal $XX,XXX.XX and the Closing Disclosure confirms $XX,XXX.XX was needed for closing. The file contains gift letters indicating the Borrower was to receive $XX,XXX and $X,XXX at the time of closing; however, documentation to support the receipt of the gift funds was not shown on the Closing Disclosure. The DU approval reflects a total of $XX,XXX.XX was to have been verified. The receipt of the gift funds totaling $XX,XXX would cure this requirement.
XXXXXXXXX	D	D	A	A	1) CREDIT 2) CREDIT	1) ASSET DOCUMENTATION 2) INCOME DOCUMENTATION	1) DU was submitted with total available assets of $XXX,XXX.XX; however, the loan file only contain documentation supporting total available assets of $XXX,XXX.XX. DU reflects the following available assets: -Retirement $XXX,XXX - in loan file -Retirement $XX,XXX - in loan file -Savings $XXX,XXX -Savings $XX,XXX.XX -Checking $X,XXX.XX The loan file did not contain statements from the X Savings and X Checking account. The loan file contained a wire transfer to the title company from the a Savings account of $XXX,XXX.XX for the closing of the subject. A statement from the Savings account would need to be obtain per DU requirement #XX to verify the assets used to for the closing of the subject property.
XXXXXXXXX	C	C	A	NA	CREDIT	LIABILITY CALC/ANALYSIS	The credit report ordered during QC reflects a mortgage opened prior to closing with XXX XXXX of XXXXXXXXXX that was not reflected on the final application or original credit report. The opening date was shown as X/XXXX, while the subject loan was opened in X/XXXX. A search in public records could not determine the property secured by this mortgage; however, it appears to be secured by the departing residence. It is noted, this is a HELOC. The file did not contain documentation of this mortgage. It could not be determined if funds were drawn on this HELOC at the time of closing. The QCC reflects a balance owing of $XXX,XXX. Additionally, the file documents gift funds of $XXX,XXX for the subject transaction. It could not be determined if the funds derived from the HELOC were utilized for the subject transaction or to pay back the donor for the gift funds. QC did not include the payment of $X,XXX in qualifying since it could not be determined if this HELOC had a balance at the time of closing. Including the payment would result in a DTI exceeding XX%.
XXXXXXXXX	C	A	C	NA	VALUATION	REVIEW APPRAISAL	The ADI report ordered by QC did indicate discrepancies from the original appraisal which do have a significant impact on the final estimate of value. The market value of $XXX,XXX was not supported by the review appraisal. The reviewer provided a new sales grid and recommended a value of $XXX,XXX for the subject property. Due to the subject transaction having a sales price of $XXX,XXX the new lower recommended value does not have a negative effect on the LTV.
XXXXXXXXX	B	B	A	NA	1) CREDIT 2) CREDIT	1) COMPLIANCE DOCUMENTATION 2) INCOME DOCUMENTATION
XXXXXXXXX	B	B	A	NA	1) CREDIT 2) CREDIT 3) CREDIT	1) CREDIT DOCUMENTATION 2) APPLICATION/PROCESS DOC 3) GENERAL APPRAISAL REQ
XXXXXXXXX	B	B	A	NA	CREDIT	MORTGAGE/PROGRAM ELIGIBILITY
XXXXXXXXX	B	B	A	NA	CREDIT	LIABILITY CALC/ANALYSIS
XXXXXXXXX	B	B	A	A	CREDIT	ASSET CALC/ANALYSIS
XXXXXXXXX	A	A	A	A	1) CREDIT 2) CREDIT	1) APPLICATION/PROCESS DOC 2) INCOME DOCUMENTATION
XXXXXXXXX	A	A	A	NA	1) CREDIT 2) CREDIT	1) INCOME DOCUMENTATION 2) ASSET DOCUMENTATION
XXXXXXXXX	A	A	A	NA	1) CREDIT 2) CREDIT	1) ASSET DOCUMENTATION 2) INSURANCE DOCUMENTATION
XXXXXXXXX	A	A	A	NA	1) CREDIT 2) CREDIT 3) CREDIT	1) ASSET CALC/ANALYSIS 2) CLOSING/TITLE DOCUMENTATION 3) INCOME DOCUMENTATION
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Active Non Material Exceptions	Satisfied Exceptions	FM REBUTTAL	Vendor Response	Compensating Factors	Collateral Comments	General Comments
	1) The final closing disclosure was not located in file. It is noted, due to the missing document, QC was unable to determine the funds required for closing or the amount of seller paid fees. 2) The PMI cert was not located in the loan file. 3) A High Cost Review could not be performed due to the CD and PMI Certificate not being retained in file.	1) Please reconsider the exception. The Closing Disclosure is attached for your review. 2) Please reconsider the exception. The MI cert is attached for your review. 3) Please reconsider the exception. The CD and MI are attached for your review. 4) Freddie Mac agrees verification of the receipt of the X gifts was not provided in the subject loan file.	1) Agree - with the receipt of the Closing Disclosure, this finding is resolved 2) Agree - With the receipt of the MI Certificate ADF verified the coverage of company to be accurate. 3) Documents provided. High Cost has been tested and passed. 4) Accept
2) The file is missing income documentation for the Borrower and Co-Borrower. QC utilized the income from the DU for calculating ratios. The file was approved with income for the Borrower in the amount of $X,XXX per month and $X,XXX.XX per month for the Co-Borrower. QC rated the comment downward due to the re-verification being received for the Borrower and Co-Borrower and the income reflected on the re-verification supporting the income used in qualifying. Re-verification for the Borrower reflects wages of $XX,XXX.XX as of XX/XX/XXXX ($XX,XXX.XX monthly) and re-verification for the Co-Borrower reflects base pay of $XXX,XXX annually ($X,XXX.XX monthly).		1) Freddie Mac agrees the loan file did not confirm sufficient liquid funds available to close the subject transaction. The file did contain more than enough funds available in retirement accounts, however terms of withdrawal were not provided. 2) Freddie Mac agrees the re-verification was required to substantiate the income used for both borrowers.	1) Accept 2) Accept
		Freddie Mac Agrees when adding the undisclosed mortgage to the DTI, the DTI exceeds 50%.	Accept
		Freddie Mac agrees the ADI did not support the market value delivered, but did support the sales price of $XXX,XXX.	Accept
2) The Verbal VOE was expired on the date the Note was signed. The Verbal VOE was dated X/XX/XXXX, which is outside the 10 days from the Note date of X/XX/XXXX. Although this documentation is required, QC accepted the loan with a lower rating. The file contains a re-verification of employment dated after closing confirming continued employment.	1) None in file at time of audit: Flood Hazard Determination.	1) Please reconsider the exception. The flood cert has been forwarded for your review. 2) Freddie Mac acknowledges that the VVOE was not dated within 10 business days of the subject Note date however, the audit reverification confirms the Borrower was employed at closing and there are no red flags.	1) Agree - due to the receipt of the Flood Cert verifying the subject property was not in a flood zone. 2) Responded - It is agreed the file does not contain any red flags for the Borrower's employment and a post closing reverification confirming the Borrower's employment was located in the file. The "B" rating is due to the LP required documentation not being located in the file.
1) A lender credit report was not found in file for the Borrower. QC utilized the debts from the application for ratio calculation for a total of $XXX per month for data entry purposes.	2) A loan approval form was not located in the file to confirm the loan was underwritten and approved prior to closing. 3) The subject property is a Individual Cooperative. The appraisal was not completed on the Individual Individual Cooperative Appraisal Report (Form 2090).	1) Please reconsider the exception. Although the lender's credit report for the Borrower is not in the file, the application indicates only X revolving account with a balance the audit credit report shows a revolving account with a minimal balance and the Co-Borrower's auto loan which the Borrower is a comaker. The Borrower had prior X accounts, now paid and closed and no late payments or undisclosed debts. 2) The LP approval has been forwarded for your review. Please reconsider the exception. The property is a SFD, not a Co-Op as confirmed by the appraisal and title. The Co-Ownership Agreement (Note) in file is a Murabaha or non-interest-bearing loan with an intermediary. The Title confirms the subject is not a Co-Op and the appraisal was completed on the correct form.	1) Accept - Utilizing the QC credit report, approval and loan application, QC was able to back in to the Borrower's debts. The "B" rating is due to the file not having the required documentation. 2) Agree - with the receipt of the LP approval, the finding is resolved. 3) Agree - with further information from the cient, the subject is deemed a SFR and the finding is resolved.
The subject loan was approved as a no cash out refinance transaction; however, the Borrower received funds at closing in the amount of $X,XXX.XX. The total cash out exceeded the lesser of 2% of the loan amount or $XXXX. The Closing Disclosure in file reflects the transaction paid off the first mortgage and a purchasing second mortgage at closing.		Freddie Mac agrees the amount of cash back is immaterial. While the Borrower did receive more than the allowed cash back, Freddie Mac feels the additional $XXX received by the Borrower is non material as the funds are minimal and not needed to close. Offsetting factors: Property owned for XX years,housing payment reduced by $XXX per month, 747 FICO score, over $X,XXX in assets verified and no rental income used in qualifying from the other units.	Accept - The cash back amount of $XXX to the Borrower is being considered a non-material amount due to the Borrower having $X,XXX in verified assets, 75% LTV, 747 credit score and layering the existing payment $XXX. QC has revised the grade for this issue to a "B".
The DU reflects a PITI of X,XXX.XX; however, QC calculated a PITI of $X,XXX.XX. QC calculated the PITI of $X,XXX.XX using the following: -P&I $X,XXX.XX (Note) -Hazard $XX.XX (CD) -Taxes $XXX.XX (CD) -HOA $XXX (Appraisal) Due to the increase in the PITI the DTI increased to 45.87% from 40.17%, which exceeds tolerance. The change is data would require resubmission.		Freddie Mac accepts the downgrade of the subject to a B. Please reconsider the grading of the exception. While the DTI of 46% exceeds the DU approved DTI, Freddie Mac still believes that the loan is still acceptable quality. Based on the strong compensating factors that include a low LTV of 69%, a qualifying credit score of 776, and the Borrower putting over $XXX,XXX into the transaction, Freddie Mac believes that the loan can still be accepted as a manually underwritten mortgage. The strong compensating factors are felt to mitigate risk of having a slightly excessive DTI, therefore Freddie Mac believes the loan cans still be considered investment quality.	Accept - The DTI increased over the allowable tollerance; however, due to the credit score, LTV and DTI being 46%, the loan remaining investmetn quality. The finding has been reduced to a credit score of a "B"
Documentation to support the Borrower had sufficient funds required for the earnest money, closing costs and down payment was not evident in the file. Verified funds equal $XX,XXX.XX. The Closing Disclosure confirms $XX,XXX.XX was needed for the subject transaction. This shortage of $XX,XXX.XX is not addressed. It is noted, page 3 of the application indicates the sale of the departing residence. Evidence of this sale was not located in file to reflect the proceeds.		Freddie Mac agrees that with the alternative documentation, the loan is acceptable. Please reconsider the grading of the exception. The lenders credit report shows the mortgage on the prior residence was paid off 2 months prior to closing. Verification it was sold is attached. The funds would be available, using 90% of the sales price minus the mortgage, leaves $XX,XXX in available funds.	Accept - With the additional information provided by the client it is verified the Borrower's previous residence was sold. Due to the use of alternate documentation, the finding is reduced to a "B" rating.
	1) A loan approval form was not located in the file to confirm the loan was underwritten and approved prior to closing. 2) The file is missing income documentation for the Borrower and Co-Borrower. QC utilized the income from the loan application for calculating ratios. The file was approved with income for the Borrower in the amount of $X,XXX.XX per month and $X,XXX.XX per month for the Co-Borrower.	1) Please reconsider the exception. Attached for your review are the DU Findings. 2) Please reconsider the exception. Attached for your review is all of the income documentation for both borrowers.	1) Agree - With the receipt of the DU Findings verifying the method of loan approval 2) Agree - with the receipt of the income documentation for the Borrower and the Co-Borrower.
	1) Documentation of the Borrower's pension income of $X,XXX.XX, as submitted to the AUS, was not located in file. The file contains the 2017 transcript; however, the annual pension of $XX,XXX supports income of only $X,XXX.XX monthly. Additionally, this is reflected as taxable pension, therefore, the income could not be grossed up. Using the lower income would result in the increase of the DTI from 44% to 49%, which would require a resubmission. 2) The file was missing asset documentation for evidence of funds to close. The closing disclosure indicates funds of $XX,XXX.XX were required for closing. The applications located in the file reflect discrepancies with the available assets. One application reflects no assets, one application reflects $XX,XXX with an unknown bank and one application reflects $XX,XXX.XX with XXXX. No bank statements were located in file.	1) Please reconsider the exception, attached is a VOE showing he has “extra hours”. He has at least a X.X year average of extra hours, using the total for XXXX, XXXX and XXXX divided by XX, gives him an average of XXX per month. Using PITI of XXXX, debts of XXX and income of base XXXX, extra hours of XXX and pension of XXXX, DTI is XX%. 2) Please reconsider the exception. The assets are attached for your review.	1) Agree - Utilizing the extra hours reflected on the VOE in the file, the DTI is calculated at 43% and is acceptable and within tolerance of the submitted DTI. 2) Agree - with the receipt of the additional assets, the finding for sufficient funds is resolved.
	1) Documentation to show the transfer of the gift funds from the donor's account to the Borrower's account was not located in the file. (AUS requirement #21) (FNMA Selling Guide, B3-4.3-04) (FHLMC Selling Guide 5501.3) The Borrower received gift funds of $XX,XXX. Without the gift funds the Borrower would have not insufficient assets for closing. 2) None in file at time of audit: Mortgage Insurance Certificate. The Mortgage Insurance Certificate in the file reflects a single premium and reflects the Mortgage Insurance company as XXXX. The Closing Conditions Addendum reflects the Mortgage Insurance Company as XXXXX with a monthly premium.	Please reconsider the exception. 1) Attached for your review is a statement provided from Title company to show a gift of $XX,XXX was paid at closing along with a gift letter for $XX,XXX and documents showing the transfer of the $XX,XXX gift funds paid as EMD which documents sufficient funds available to close. 2) Please reconsider the exception. A copy of the MI certificate is attached for your review.	1) Agree - with the receipt of the additional information in regards to the receipt of the gift funds, the finding is resolved. 2) Agree - with the receipt of the Mortgage Insurance Certificate verifying the coverage, the finding is resolved.
	1) Documentation to support the Borrower had sufficient funds required for closing was not evident in the file. Verified funds equal $XX,XXX.XX and the LP required funds of $XX,XXX.XX to be verified. This shortage is not addressed. QC was unable to verify the total amount of funds needed at closing, due to the Closing Disclosure not being located in the file. 2) The Final Closing Disclosure was not in file at time of audit. 4) The file did not contain a complete Verbal VOE for the Borrower and Co-Borrower within 10 business days prior to the Note date as required. A written VOE within 10 business days prior to the Note date would have also been acceptable. (Freddie Mac Selling Guide, 37.23a) AUS requirement CZ	1) and 2) Please reconsider the exceptions. The subject loan was a single-close construction to permanent loan that closed X/XX/XXXX per the Closing Disclosure and the Note with addendum in file. The funds required to close the construction phase were $XXXX deposit + $XXXX funds to close. Those funds were documented in the Borrowers’ bank account statements from 2017. The Borrowers also paid $XXXX and $XXXX to the builder also documented in the file. At the time of conversion to permanent financing X/XX/XX the Borrowers modified the loan by paying down the balance by $XX,XXX-these funds also documented resulting in a new amount payable of $XXX,XXX and an 80% LTV reflected on the new LPA approval dated X/XX/XXXX. The LP approvals did not require reserves and the file documented all funds required plus $XX,XXX. 3) The file contains a VVOE for each borrower dated X/XX/XX and X/XX/XX which are within 10 business days of the Note date X/XX/XX.	1) and 2) Agree - With further clarification on the type of loan file single-close construction to permanent loan the finding is resolved. The XX/XX CD is the only CD. 3) Agree - Due to the closing dated being in XX/XXXX, the VVOE in the file is acceptable.
	1) The file was missing asset documentation for evidence of funds to close. The Closing Disclosure required $XX,XXX.XX for closing funds. 2) The file is missing income documentation for the Borrower and Co-Borrower. QC utilized the income from the final application for calculating ratios. The file was approved with income for the Borrower in the amount of $X,XXX.XX per month and $X,XXX.XX per month for the Co-Borrower. Without the Borrower and Co-Borrower's income, QC would not be able to calculate ratios. 3) The monthly mortgage payment listed on the lender's credit report for the Borrower was not considered in qualifying. The application indicates the debt was being excluded from the debt ratio; however, this was not documented in file. The application indicates assets from the 'sale of current home'. [Freddie Mac Selling Guide, Chapter 5000, Section 5401.2, (a) 2]. 4) A loan approval form was not located in the file to confirm the loan was underwritten and approved prior to closing. QC was unable to compare ratios as the file did not contain any documentation of the figures used in qualifying. It is noted, the tape data reflects a DTI of 23%.	1) Please reconsider the exception. The CD for the concurrent sale of the REO property with net funds to the Borrowers of $XX,XXX and the Borrowers' personal bank statements with assets of $XX,XXX have been forwarded for your review. 2) The assets are more than sufficient for the subject closing The income documents for both borrowers including current paystubs, VVOEs and a VOE for BX confirming total monthly income of $XX,XXX resulting in a 24% DTI has been forwarded. 3) The CD for the REO as noted in #1 paid off the mortgage on that property has been forwarded. 4) Please reconsider the exception. The LP approval has been forwarded for your review.	1) Agree - With the receipt of the CD to support the sale of the previous residence and receipt of $XX,XXX in assets and the $XX,XXX verified in the Borrower's accounts, the Borrower has sufficient assets 2) Agree - With the receipt of the income documentation, the income for the Borrowers was calculated at $XX,XXX and a DTI calculated at 24%. 3) Agree - With the receipt of the CD to support the sale of the previous residence verifiying the mortgage was paid off the finding is resolved. 4) Agree - With the receipt of the LP approval, the finding has been resolved.
	1) The lender approval, transmittal summary and AUS documents were missing from the file. QC was unable to determine how the subject loan was approved. 2) The final application was not found in the file.	1) Please reconsider the exception. Attached for your review is Freddie Mac's internal LP Summary documentation. 2) Please reconsider the exception. The file contains the complete initial signed application. Freddie Mac only requires a signed application in the file, and per the Statement of Work it does not have to be the final application.	1) Agree - QC confirms the receipt of the LP Summary Detail verifying the subject loan was approved by LP 2) Agree - the loan file does contain a signed initial application. A signed application is required being initial or final.
	1) The loan application reflects a debt with a payment of $XX.XX. The source of the payment amount is unknown and was not documented in file. QC utilized the payment from the application for ratio calculations. The loan file contains a consumer explanation letter reflecting the inquiry on XX/XX/XXXX and a handwritten notation from the Borrower reflecting a payment of $XX.XX. The loan file did not contain any documentation from the creditor reflecting a payment or balance for the account. QC additionally notes the account is not reflected on the QCCR. 2) A fully executed settlement statement from the sale of the Borrower's previous home was not located in file. The final application reflects the Borrower's previous residence in XXXXX, FL was sold. Utilizing the QC credit report, QC confirmed the account on the Borrower's residence was closed in XX/XXXX. The Borrower's bank statement reflects a large deposit of $XX,XXX.XX on XX/XX/XXXX. The loan file did not contain any additional documentation to support the large deposit or documentation to support the deposit was from the sale of the previous residence. The funds from the deposit were need for closing. 3) The file did not contain a complete Verbal VOE for the Borrower within 10 business days prior to the Note date as required. A written VOE within 10 business days prior to the Note date would have also been acceptable. (Freddie Mac Selling Guide, 37.23a) This is AUS requirement CZ.	1) Please reconsider the exception. Attached for your review is the following item 1) verification of the $XX.XX obligation. 2) Please reconsider the exception. Attached for your review is the following item 2) executed statement for the sale of the Borrower' prior home showing net proceeds of $XX,XXX. 3) Please reconsider the exception. Attached for your review is the following item. 3) VVOE for the Borrower.	1) Agree - Client provided additional documentation to support the $XX.XX payment with the creditor resolving the finding. 2) Agree - Client provided the proof of sale of the Borrower's previous residence to support the receipt of $XX,XXX resolving the finding. 3) Agree - Client provided the VVOE for the Borrower clearing the finding.
	1) The LP located in the loan file was incomplete. QC could not determine if all requirements were met. It appears the loan would meet standard guidelines for a no cash out refinance with an LTV of 71.14%, DTI of 25.45% and a credit score of 745. However, standard guides require XXX years tax returns when the business has been active for less than X years. Due to the missing documentation for the business, QC could not determine if this business had been active longer than X years, allowing for only the XXX year tax return. 2) The XXX, along with the business tax return, was not located in file. Form 91, income calculations, indicates income from this source was utilized in qualifying. QC used the income from this document for data entry. Omitting this income, the DTI would be in excess of 100% and not eligible under standard guidelines.	Please reconsider the exception. Attached for your review: 1) copy of the Freddie Mac internal LPA and evidence the company has been active more than X years. 2) XXX showing Borrower has less than XX% ownership and therefore business tax returns are not required.	1) Agree - With the receipt of the LPA, the finding has been resolved. 2) Agree - With the receipt of the additional documentation supporting the income, ownership and the existence of the business for over X years.
	1) The monthly payments on the accounts for $XXX and $XX were not considered in qualifying. The loan application indicates the debts would be satisfied at closing; however, this was not documented in file. If the obligation was included the DTI would increase to 33.69% from 30.98%. [Freddie Mac Selling Guide, Chapter 5000, Section 5401.2, (a) 2] The QCCR reflects the accounts have deferred payments to XX/XX/XXXX. 2) The transmittal summary indicates the loan was submitted to LP. The entire AUS document was missing from the file.	1) Please reconsider the exception. Attached for your review is Freddie Mac's Internal LP Summary Documentation evidencing a DTI of 32%. The recalculated DTI of 34% is within LPA submission tolerance requirements. 2) Please reconsider the exception. Attached for your review is Freddie Mac's Internal LP Summary Documentation evidencing a DTI of 32%.	1) Agree - With the receipt of the LP Summary Documentation supporting the approval DTI of 32%, the inclusion of the debts would not have a negative effect on the DTI increasing it to only 34%, which remains with in the acceptable tolerance, clearing the finding. 2) Agree - With the receipt of the LP Summary Documentation supporting the DTI of 32%, the finding is resolved.
	A copy of the lease agreement for the departure residence was not provided. The DU approval reflects net rental income of $X,XXX.XX ($X,XXX monthly gross rent x 75% vacancy factor=$X,XXX - $XXX.XX taxes and insurance=$X,XXX.XX). Using the complete PITI for this property, the DTI would increase to 59.88% from 41.96%. QC used the net rental income on the DU approval for data entry purposes.	Please reconsider the exception. Attached for your review is the lease for the departure residence.	Agree - with the receipt of the lease agreement, the finding is resolved.
	A fully executed settlement statement on the sale of the Borrower's previous home was not located in file. As a result, Borrowers have insufficient available funds to close. It is noted, the file contains verification of a retirement account. Evidence of liquidation was not located in file, which would be required. Additionally, the file indicates the proceeds of the sale were being utilized for the subject transaction.	Please reconsider the exception. The verification of sale of prior residence is attached.	Agree - The settlement statement for the prior residence was provided, clearing the finding.
	A fully executed settlement statement on the sale of the Borrower's previous home was not located in file. As a result, Borrowers have insufficient funds to close. Verified funds equal $XX,XXX.XX and the Closing Disclosure confirms $XX,XXX.XX was needed for closing. It is noted, the Closing Disclosure should also confirm the mortgage listed on the lender's credit report was paid off at closing. LP requirements XO, NG and NA	Please reconsider the exception. Attached for your review is the departure CD confirming the payoff of the mortgage on the credit report and evidencing sufficient funds to close.	Agree - WIth the receipt of the additional documentation sufficient funds has been established for the subject transaction.
	A fully executed settlement statement on the sale of the Borrower's previous home was not located in file. As a result, Borrowers have insufficient funds to close. Verified funds equal $X,XXX.XX and the CD confirms $XX,XXX.XX was needed for closing. The Closing Disclosure should also reflect the mortgages with XXXX XXXXXXX and XXX XXXXXXXX paid off at this closing to exclude the two mortgage debts. DU requirements #11 and #19	Please reconsider the exception. Freddie Mac confirmed through public records that the departure residence was sold on X/XX/XX for $XXX,XXX. Using $XXX,XXX, which is XX% of the sales price, less the mortgage balances of $XXX,XXX and $XX,XXX reported on the credit report results in net to the Borrower of $XX,XXX. The subject CD required $XX,XXX to close. The audit credit report confirms the departure mortgages with XXXX XXXXX and XXX are paid off. The XXXX account is an unsecured installment debt which was not included in qualifying due to having less than XX months payments remaining. A copy of the departure sale public records has been forwarded for your review.	Agree - with the additional information regarding the sale of the Borrower's departure residence the Borrower would have sufficient funds for closing, therefore the finding is resolved.
	A fully executed settlement statement on the sale of the Borrower's previous home was not located in file. As a result, the Borrowers have insufficient funds to close. Verified funds equal $X,XXX.XX and the CD confirms $X,XXX for the EMD and $XX,XXX.XX was needed for closing, for a shortage of $XX,XXX.XX.	Please reconsider the exception. The departure CD that closed concurrently with the subject is attached. The Borrower's net proceeds were $XX,XXX which covered the amount needed to close on the subject property.	Agree - With the receipt of the additional documentation to support the sale of the Borrower's previous residence, the finding is resolved.
	A loan approval form was not located in the file to confirm the loan was underwritten and approved prior to closing.	Please reconsider the exception. The LP is attached for your review.	Agree - with the receipt of the LP approval, the finding is resolved.
	Documentation to support the Borrower had sufficient funds required for the earnest money and closing costs was not evident in the file. Verified funds equal $XX,XXX.XX and the Closing Disclosure confirms $XX,XXX.XX was needed for earnest money and closing. This shortage is not addressed. The final loan application does not reflect any assets. The transmittal summary reflects the Borrower's source of funds were from Checking/Savings, Gift Funds and Equity from pending sale. The LP in file in file does not reflect the Equity from the sale or Gift Funds. LP in file reflects available funds of $X,XXX.XX. QC calculated the available funds of $XX,XXX.XX.	Please reconsider the exception. Attached for your review are recent bank statements showing the Borrowers had sufficient funds to close in the amount of $XX,XXX. Also included is documentation to source the $XX,XXX increase reflected in the bank accounts from a recent XXXX loan.	Agree - With the receipt of the additional asset documentation the finding is resolved.
	Evidence the earnest money deposit has cleared the account was not located in file. No bank statements were located in file. The CD for the subject transaction reflects an EMD of $X,XXX and funds to close of $XX,XXX.XX for total funds required of $XX,XXX.XX. The CD from the sale of the previous property reflects proceeds of $XX,XXX.XX, which is insufficient to cover the EMD and funds to close for the subject transaction. The shortage is $XXX.XX.	Please reconsider the exception. Atached is a copy of the $X,XXX EMD check written by the Borrower. Also attached is a bank print out showing the $X,XXX check clearing the account on X/X/XX. Proceeds of $XX,XXX plus the $X,XXX EMD results in sufficient funds to close of $XX,XXX.	Agree - With the receipt of the documentation to support the earnest money had cleared the finding is resolved.
	LP was submitted with $-X.XX in negative rental income; however, QC calculated $-X,XXX.XX in negative rental income. The Borrower has XXX investment properties that were not included in the DTI ratio per the LP approval. The loan file contained documentation reflecting the loan was ran through Loan Beam and the rental properties were excluded from the DTI ratio. Using the Borrower's 2017 XXXXXXX X, QC calculated negative cash flow of $-X,XXX.XX for rental #X and $-X,XXX.XX for rental #X. Due to the increase in negative rental income the DTI ratio increased to 75.88% from 32.00%, which exceeds tolerance.	Please reconsider the exception. Loan was incorrectly delivered with the LAS pilot program (Loanbeam) mortgage flag. Freddie Mac agrees the Lender did not include the rental losses in qualifying. Using the Freddie Mac Form 91 to calculate the rental income results in rental #X loss of $XX per month and rental #X loss of $XXX per month. Including these losses in the qualifying ratios results in an increase from the original 32% DTI to a 38% DTI. The loan is acceptable as a manually underwritten loan.	Agree - The loan is acceptable using Manual underwriting guidelines so the finding is resolved.
	None in file at time of audit: Mortgage Insurance Certificate	Please reconsider the exception. The MI cert is attached for your review.	Agree - With the receipt of the documentation to support the Mortgage Insurance coverage, the finding is resolved.
	None in file at time of audit: Mortgage Insurance Certificate.	Attached for your review is the MI Certificate.	Agree - with the receipt of the MI Certificate, the finding is resolved.
	None in file at time of audit: Mortgage Insurance Certificate.	Please reconsider the exception. Attached for your review is the MI Certificate.	Agree - WIth the receipt of the MI Certificate, the coverage was verified and the finding is resolved.
	None in file at time of audit. Note.	Please reconsider the exception. The note is attached for your review.	Agree - WIth the receipt of the Note for the subject transaction, the finding has been resolved.
	QC observed a material discrepancy between the data submitted to LP and information obtained during the QC audit. The re-verification confirmed the Borrower's separation date from the current employer was on X/XX/XXXX, which was prior to the Note date of X/XX/XXXX. The re-verification indicates the Borrower resigned and obtained other employment. The file contains a verbal VOE dated X/XX/XXXX indicating the Borrower began employment with the new company on X/XX/XXXX. The final application did not disclose new employment nor did the file contain documentation of this income. The income used in qualifying of $X,XXX.XX was calculated on semi-monthly salary from the Borrower's previous employment. Without income documentation from the new employer, the Borrower's income could not be accurately calculated. Due to same, QC did not consider the Borrower's income in qualifying. Omitting this income resulted in the DTI increasing from 28% to 60.17%, which exceeds the allowable tolerance. Further, the loan would not meet standard guidelines with this excessive DTI.	Please reconsider the exception. The Borrower obtained new employment on X/XX/XX, prior to closing. A VOE and paystub confirming monthly base income of $XXXX which yields a DTI of 31% has been forwarded for your review.	Agree - With the recept of the new VOE for the Borrower, in regards to the change of employment and verification of income supporting $X,XXX/mo, the DTI is adjusted to 31.96% from the submitted DTI of 28%.
	The appraisal was dated X/X/XXXX and was subject to completion. A Completion Cert was not located in the file.	Attached for your review is the Completion Report.	Agree - The completion report has been provided by the client, resolving the finding.
	The appraisal was subject to completion; however, the Completion Certificate Form was not located in the file as required.	Please reconsider the exception. The completion cert and photos have been forwarded for your review.	Agree - With the receipt of the additional documentation to support the subject property was completed, the finding is resolved.
	The appraisal was subject to completion; however, the Completion Certificate Form was not located in the file as required.	Please reconsider your exception. Attached for your review is the Certificate of Completion	Agree - with the receipt of the Certificate of Completion, the finding is resolved.
	The Bank statements provided were expired on the date the Note was signed. An updated statement should have been obtained. [Freddie Mac Selling Guide, Chapter 5000, Section 2102.4]	Please reconsider the exception. Attached for your review is the updated asset documentation evidencing sufficient funds to close.	Agree - with the receipt of the more current asset documentation the finding has been cleared.
	The file contains a computer print out of the Borrower's asset accounts. This document was illegible. An additional print out was located in file, but was incomplete. QC was unable to determine if sufficient funds for closing were verified.	Please reconsider the exception. Attached for your review is the Borrower's other asset statement indicating an available balance of $XXX,XXX prior to closing which exceeds the $XX,XXX required for closing per the CD.	Agree - With the receipt of the additional documentation the finding has been resolved.
	The file contains an LP submission. Page 1 of the AUS was not located in file.	Please reconsider the exception. The full LP is attached for your review.	Agree - with the receipt of the LP, the finding is resolved
	The file did not contain a complete Verbal VOE for the Borrower within XX business days prior to the Note date as required. A written VOE within 10 business days prior to the Note date would have also been acceptable. (Freddie Mac Selling Guide, 37.23a) (AUS requirement #CZ)	Please reconsider the exception. The VVOE's are attached for your review.	Agree - With the receipt of the additional documentation, the finding is resolved.
	The file is missing the lease agreements or XXXXXXX X to calculate negative rent of $XXX and to exclude the XXX mortgage debts listed on the lender's credit report. Per the final application, the Co-Borrower's own XXX rental properties; however, documentation was not located in the file to exclude the debts. QC used the negative rent, for both properties, of $XXX in qualifying for data entry. [Freddie Mac Selling Guide, Chapter 5000, Section 5401.2, (a) 2]	Please reconsider the exception. Attached for your review are X years tax returns verifying rental income.	Agree - with the receipt of the tax returns, the finding is resolved.
	The file is missing the Pension/Retirement income documentation for the Borrower in the amount of $X,XXX.XX monthly. QC utilized the income from the final application for calculating ratios. The file did contain the 2017 Wage and Income Transcript. The transcript reflects distributions from Pensions, Annuities, etc; however, the amount reflected does not support the Pension/Retirement income used in qualifying. The file also contained XXX months of bank statements reflecting a retirement deposit; however, the amount used by the lender is not supported by the monthly deposits. QC used the retirement income submitted by the lender for data entry. (LP requirement LJ)	Please reconsider the exception. Attached for your review is the award letter for the Borrower's retirement supporting a monthly amount of $X,XXX.	Agree - with the receipt of the documentation to support the retirement income the finding is resolved.
	The file was missing asset documentation for evidence of funds to close. The Closing Disclosure required $XX,XXX.XX; however, asset documentation was not located in the file. (LP requirement GF)	Please reconsider the exception. The Borrowers' assets confirming sufficient assets to close have been forwarded for your review.	Agree - with the receipt of the asset documentation to support sufficient funds for closing, the finding is resolved.
	The file was missing asset documentation for evidence of funds to close. The Closing Disclosure required $XX,XXX.XX; however, complete documentation from the XXX XX accounts #X, #X, #X and X and XXX accounts #X and #X were not located. DU reflects available funds of $XXX,XXX.XX.	Please reconsider the exception. The missing assets are attached for your review.	Agree - with the receipt of the additional documentation the finding has been resolved.
	The lender approval indicates the loan was submitted to DU. The entire AUS document was missing from the file.	Please reconsider the exception. Attached for your review is a copy of the DU Findings.	Agree - with the receipt of the DU, the finding is resolved
	The loan application reflects a debts with XXXX with a payment of $XX, XXXX $XX, XXXXX XXXXX $XX and XXXXXX $X. The source of these payment amounts were unknown and was not documented in file. QC utilized the payments from the application for ratio calculations. The lender's credit report in file dated XX/XX/XXXX only reflects an open account with XXXX with a payment of $XXX and a balance of $XX,XXX. QC notes the loan application reflects the debt with a payment of $XXX and a balance of $XX,XXX. QC used the higher payment reflected on the loan application for data entry purposes. The QC credit report reflects the following payments and balances for the accounts listed on the loan application: -XXXX $XXX - $XX,XXX -XXXXXXX $XXX - $X,XXX -XXXX $XX - $X,XXX -XXXXX XXXXX $XX - $XXX -XXXXX $X - $X	Please reconsider the exception. The lender's credit supplement in file updated X.XX.XXXXX reflects the latest XXXXX account balance $XXX with a $XX payment, XXXX balance $XX,XXX with a $XXX payment, XXXX balance $XXXX with a $XX payment, XXXXX XXXXX balance $XXX with a $XX payment and XXXXXXX balance $X with a $X payment for a total other liabilities payment of $XXX matching the delivered amount. A copy of the credit supplement has been forwarded for your review.	Agree - With the receipt of the additional documentation the finding is resolved.
	The transmittal summary indicates the loan was submitted to DU. The entire AUS document was missing from the file.	Please reconsider the exception. The loan qualifies as a manually underwritten loan.	Agree - Due to the loan file meeting manual guidelines, the finding is resolved.
	The Borrowers received gift funds in the amount of $XX,XXX; however, the gift funds were not submitted to LP. The funds were needed for closing. The change in data would require a resubmission.	Please reconsider the exception. Gift funds are acceptable on an XX% LTV purchase transaction without any impact to the loan decision.	Agree - With further clarification from the client, this finding is resolved. Gift funds were received by the Borrower and documented.
	The Note for the subject transaction reflects an additional Borrower that was not credit qualified.	Please reconsider the exception. The Borrower was the only individual that signed the note. Her spouse only signed the Note as a Trustee of a trust. Section 5103.5 of the Freddie Mac Seller/Servicer Guide each Borrower and one or more trustees on behalf of the trust are required to sign the note. It further confirms that a trustee that signs may or may not be a Borrower on the loan. Since the spouse only signed as the trustee of the trust (and not as an individual as the borrower did) the Note is considered acceptable.	Agree - with further clarification, it was determined a credit package for the second party was not needed.
	This is an AUS LP submitted loan. The Purchase Eligibility reflects an recommendation of Ineligible. The loan is ineligible due to the total Borrower income exceeding the Home Possible income limit based on the location of the mortgage premises. QC notes the LP was approved with total income of $X,XXX.XX (Borrower $X,XXX.XX and Co-Borrower $X,XXX.XX). QC was unable to determine how the lender calculated the monthly income. QC calculated total income of $X,XXX.XX (Borrower $X,XXX.XX and Co-Borrower $X,XXX.XX). The increase in the monthly income decreased the DTI to 31.97% from 39.00%. QC used the more conservative income calculated by the lender for data entry purposes. The loan would not meet manual guidelines due to insufficient income documentation.	Please reconsider the exception. The lender has a TOB for a pilot program that allowed exceptions to the AMI limits in, among others, the subject property's county. A copy of the TOB has been forwarded for review. Based on the Borrowers' 2017 W2s it appears likely that both are paid on a XX-month contract as the wages support $XXXX monthly for B1 and $XXXX monthly for B2. The year-to-date paystubs for both from X/X/XXXX encompass X months where school was in session so the gross appears inflated as it's paid out over XX months, not XX. The DTI is 39%.	Agree - With the receipt of the TOB for a pilot program that allowed exceptions to the AMI limits.
	This is an LP submitted loan. The Recommendation is Ineligible Accept. The loan is ineligible due to the LTV exceeding the Freddie Mac limit for a cashout refinance. QC is unable to manually underwrite the loan as the LTV of XX% exceeds the maximum allowed of XX% for a cashout refinance.	Please reconsider the exception. The lender has an TOB allowing cash out to XX% LTV, TOB is attached for your review.	Agree - The lender has a TOB allowing cash out to XX% LTV, therefore resolving the finding
	A fully executed settlement statement on the sale of the Borrower's previous residence was not located in the file. The Borrowers did not need funds from the sale of the previous residence to close the subject transaction. QC was able to verify the previous residence closed on XX/XXXX using the QCCR.	Please reconsider the exception. Attached for your review is the CD for the sale of the previous residence.	Agree - With the receipt of the CD for the proof of sale of the Borrower's previous residence, the finding is resolved.
	The data integrity has been reviewed with no deficiencies found. All AUS requirements were not met. * LP requirement NA required the pay off of XXXXX debts * File contains evidence of the pay off for XXX debts * Evidence of the payoff of X of the debts was not located in file. - QCCR confirms this debt was closed the month of closing - Due to same, QC has accepted this issue with a lower rating	Please reconsider the exception. Although Freddie Mac agrees that the lender did not provide evidence of payoff of the XXXXX loan however the inclusion of the debt increased the DTI to 18%. At 18% DTI the difference is within tolerance of the LP-approved DTI of 15% and would therefore not constitute an exception.	Agree - Without the documentation to support payoff, the inclusion of the debt increases the DTI to 18% from 15%, which remains within the AUS tolerance.
	The file contains what appears to be a statement for a XXX account. Only pages 2 and 3 were located. Although the full statement is required, QC accepted this statement as the Borrower's name, beginning and ending account balance are reflected.	Please reconsider the exception. Attached for your review is the complete XXX statement.	Agree - WIth the receipt of the complete XXX statement, the finding has been resolved
	The most recent pay stub for the Borrower was not located in the file. (AUS requirement #CV) The AUS indicates income of $X,XXX/month was utilized in qualifying. The XXXX W2 supports income of $X,XXX.XX/month, which when utilized as the qualifying income does not have a negative impact on the ratios. The file contains a re-verification confirming continued employment and salary of $XX.XX hourly, which supports more than the qualifying income. Although the pay stub is a required document, QC has accepted due to the re-verification confirming employment and income.	Please reconsider the exception. Attached for your review are the Borrower's paystubs.	Agree - with the receipt of the Borrower's paystubs, the finding is resolved.

Freddie Mac Loan Number	Loan Amount	State	Initial Overall Grade (Kroll)	Final Overall Grade (Kroll)	Initial Credit Grade (Kroll)	Final Credit Grade (Kroll)	Initial Property Valuation Grade (Kroll)	Final Property Valuation Grade (Kroll)	Initial Compliance Grade (Kroll)	Final Compliance Grade (Kroll)
XXXXXXXXX	XXXXXX	NM	D	D	D	D	A	A	D	A
XXXXXXXXX	XXXXXX	IN	D	D	D	D	A	A	A	A
XXXXXXXXX	XXXXXX	WA	C	C	C	C	A	A	NA	NA
XXXXXXXXX	XXXXXX	OR	C	C	A	A	C	C	NA	NA
XXXXXXXXX	XXXXXX	MA	D	B	D	B	A	A	NA	NA
XXXXXXXXX	XXXXXX	WA	D	B	D	B	A	A	NA	NA
XXXXXXXXX	XXXXXX	MA	C	B	C	B	A	A	NA	NA
XXXXXXXXX	XXXXXX	IL	C	B	C	B	A	A	NA	NA
XXXXXXXXX	XXXXXX	GA	D	B	D	B	A	A	A	A
XXXXXXXXX	XXXXXX	GA	D	A	D	A	A	A	A	A
XXXXXXXXX	XXXXXX	WA	D	A	D	A	A	A	NA	NA
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XXXXXXXXX	XXXXXX	VT	D	A	D	A	A	A	NA	NA
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XXXXXXXXX	XXXXXX	TN	D	A	D	A	A	A	NA	NA
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XXXXXXXXX	XXXXXX	TN	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	CA	A	A	A	A	A	A	NA	NA
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XXXXXXXXX	XXXXXX	CA	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	CA	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	MA	A	A	A	A	A	A	NA	NA
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XXXXXXXXX	XXXXXX	AZ	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	AZ	A	A	A	A	A	A	NA	NA
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XXXXXXXXX	XXXXXX	WA	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	CA	A	A	A	A	A	A	NA	NA
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XXXXXXXXX	XXXXXX	CO	A	A	A	A	A	A	NA	NA
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XXXXXXXXX	XXXXXX	MI	A	A	A	A	A	A	NA	NA
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XXXXXXXXX	XXXXXX	MA	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	VA	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	CA	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	TX	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	CA	A	A	A	A	A	A	NA	NA
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XXXXXXXXX	XXXXXX	CA	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	CA	A	A	A	A	A	A	NA	NA
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XXXXXXXXX	XXXXXX	IA	A	A	A	A	A	A	NA	NA
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XXXXXXXXX	XXXXXX	NV	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	CA	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	OR	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	CA	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	FL	A	A	A	A	A	A	NA	NA
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XXXXXXXXX	XXXXXX	FL	A	A	A	A	A	A	NA	NA
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XXXXXXXXX	XXXXXX	CA	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	OH	A	A	A	A	A	A	NA	NA
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XXXXXXXXX	XXXXXX	GA	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	CA	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	NC	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	IL	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	VA	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	NC	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	CA	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	TX	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	MN	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	WA	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	NH	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	TX	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	GA	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	TN	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	TX	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	AZ	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	MO	A	A	A	A	A	A	NA	NA
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XXXXXXXXX	XXXXXX	DE	A	A	A	A	A	A	NA	NA
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XXXXXXXXX	XXXXXX	CA	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	IL	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	GA	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	NV	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	NV	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	MN	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	AZ	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	IL	A	A	A	A	A	A	NA	NA
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XXXXXXXXX	XXXXXX	OH	A	A	A	A	A	A	NA	NA
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XXXXXXXXX	XXXXXX	CA	A	A	A	A	A	A	NA	NA
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XXXXXXXXX	XXXXXX	AZ	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	LA	A	A	A	A	A	A	NA	NA
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XXXXXXXXX	XXXXXX	VA	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	CA	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	MN	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	IL	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	VA	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	DE	A	A	A	A	A	A	NA	NA
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XXXXXXXXX	XXXXXX	FL	A	A	A	A	A	A	NA	NA
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XXXXXXXXX	XXXXXX	GA	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	ID	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	GA	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	TX	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	VA	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	FL	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	VA	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	FL	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	IL	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	GA	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	ID	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	CT	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	MD	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	AZ	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	CO	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	MI	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	OH	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	OR	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	FL	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	WA	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	AR	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	ME	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	OR	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	CA	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	TX	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	KS	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	VA	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	MA	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	PA	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	PA	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	KS	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	WI	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	OR	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	CA	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	AK	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	CA	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	WA	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	NC	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	SC	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	WA	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	WI	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	NJ	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	FL	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	CA	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	MO	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	CA	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	CA	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	MI	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	VA	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	OH	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	OR	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	WA	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	KY	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	UT	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	PA	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	AL	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	IL	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	CO	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	CA	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	GA	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	OR	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	CO	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	NJ	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	NH	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	OH	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	CA	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	MI	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	CO	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	VA	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	WI	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	CA	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	FL	A	A	A	A	A	A	NA	NA
XXXXXXXXX	XXXXXX	KY	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	MA	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	RI	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	IL	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	NJ	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	ME	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	TN	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	ME	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	MA	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	IN	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	OK	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	GA	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	NM	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	AR	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	NJ	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	IL	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	ME	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	IL	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	NY	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	GA	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	KY	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	TN	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	TN	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	RI	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	IL	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	ME	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	OK	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	OK	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	CO	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	NM	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	AR	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	IN	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	CO	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	MA	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	ME	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	NM	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	IL	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	TN	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	IN	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	AR	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	KY	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	MA	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	RI	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	GA	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	ME	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	TN	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	GA	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	CO	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	NJ	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	RI	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	IL	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	NJ	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	NY	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	IN	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	KY	A	A	A	A	A	A	A	A
XXXXXXXXX	XXXXXX	NY	A	A	A	A	A	A	A	A

Initial Overall Grade (Moody's)	Final Overall Grade (Moody's)	Initial Credit Grade (Moody's)	Final Credit Grade (Moody's)	Initial Property Valuation Grade (Moody's)	Final Property Valuation Grade (Moody's)	Initial Compliance Grade (Moody's)	Final Compliance Grade (Moody's)
D	D	D	D	A	A	D	A
D	D	D	D	A	A	A	A
C	C	C	C	A	A	NA	NA
C	C	A	A	C	C	NA	NA
D	B	D	B	A	A	NA	NA
D	B	D	B	A	A	NA	NA
C	B	C	B	A	A	NA	NA
C	B	C	B	A	A	NA	NA
D	B	D	B	A	A	A	A
D	A	D	A	A	A	A	A
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	A	A
D	A	D	A	A	A	A	A
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	A	A
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	A	A
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	A	A
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	A	A
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	A	A
D	A	D	A	A	A	A	A
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	A	A
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	A	A
D	A	D	A	A	A	A	A
D	A	D	A	A	A	A	A
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	A	A
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	NA	NA
C	A	C	A	A	A	NA	NA
C	A	C	A	A	A	NA	NA
C	A	C	A	A	A	A	A
C	A	C	A	A	A	NA	NA
B	A	B	A	A	A	A	A
B	A	B	A	A	A	NA	NA
B	A	B	A	A	A	NA	NA
B	A	B	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A

Initial Overall Grade (DBRS)	Final Overall Grade (DBRS)	Initial Credit Grade (DBRS)	Final Credit Grade (DBRS)	Initial Property Valuation Grade (DBRS)	Final Property Valuation Grade (DBRS)	Initial Compliance Grade (DBRS)	Final Compliance Grade (DBRS)
D	D	D	D	A	A	D	A
D	D	D	D	A	A	A	A
C	C	C	C	A	A	NA	NA
C	C	A	A	C	C	NA	NA
D	B	D	B	A	A	NA	NA
D	B	D	B	A	A	NA	NA
C	B	C	B	A	A	NA	NA
C	B	C	B	A	A	NA	NA
D	B	D	B	A	A	A	A
D	A	D	A	A	A	A	A
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	A	A
D	A	D	A	A	A	A	A
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	A	A
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	A	A
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	A	A
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	A	A
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	A	A
D	A	D	A	A	A	A	A
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	A	A
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	A	A
D	A	D	A	A	A	A	A
D	A	D	A	A	A	A	A
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	A	A
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	NA	NA
C	A	C	A	A	A	NA	NA
C	A	C	A	A	A	NA	NA
C	A	C	A	A	A	A	A
C	A	C	A	A	A	NA	NA
B	A	B	A	A	A	A	A
B	A	B	A	A	A	NA	NA
B	A	B	A	A	A	NA	NA
B	A	B	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A
A	A	A	A	A	A	A	A

Initial Overall Grade (S&P)	Final Overall Grade (S&P)	Initial Credit Grade (S&P)	Final Credit Grade (S&P)	Initial Property Valuation Grade (S&P)	Final Property Valuation Grade (S&P)	Initial Compliance Grade (S&P)	Final Compliance Grade (S&P)
D	D	CD	CD	VA	VA	RD	RA
D	D	CD	CD	VA	VA	RA	RA
C	C	CC	CC	VA	VA	NA	NA
C	C	CA	CA	VC	VC	NA	NA
D	B	CD	CB	VA	VA	NA	NA
D	B	CD	CB	VA	VA	NA	NA
C	B	CC	CB	VA	VA	NA	NA
C	B	CC	CB	VA	VA	NA	NA
D	B	CD	CB	VA	VA	RA	RA
D	A	CD	CA	VA	VA	RA	RA
D	A	CD	CA	VA	VA	NA	NA
D	A	CD	CA	VA	VA	NA	NA
D	A	CD	CA	VA	VA	NA	NA
D	A	CD	CA	VA	VA	RA	RA
D	A	CD	CA	VA	VA	RA	RA
D	A	CD	CA	VA	VA	NA	NA
D	A	CD	CA	VA	VA	NA	NA
D	A	CD	CA	VA	VA	NA	NA
D	A	CD	CA	VA	VA	NA	NA
D	A	CD	CA	VA	VA	RA	RA
D	A	CD	CA	VA	VA	NA	NA
D	A	CD	CA	VA	VA	RA	RA
D	A	CD	CA	VA	VA	NA	NA
D	A	CD	CA	VA	VA	RA	RA
D	A	CD	CA	VA	VA	NA	NA
D	A	CD	CA	VA	VA	NA	NA
D	A	CD	CA	VA	VA	RA	RA
D	A	CD	CA	VA	VA	NA	NA
D	A	CD	CA	VA	VA	NA	NA
D	A	CD	CA	VA	VA	NA	NA
D	A	CD	CA	VA	VA	NA	NA
D	A	CD	CA	VA	VA	RA	RA
D	A	CD	CA	VA	VA	RA	RA
D	A	CD	CA	VA	VA	NA	NA
D	A	CD	CA	VA	VA	RA	RA
D	A	CD	CA	VA	VA	NA	NA
D	A	CD	CA	VA	VA	RA	RA
D	A	CD	CA	VA	VA	RA	RA
D	A	CD	CA	VA	VA	RA	RA
D	A	CD	CA	VA	VA	NA	NA
D	A	CD	CA	VA	VA	NA	NA
D	A	CD	CA	VA	VA	NA	NA
D	A	CD	CA	VA	VA	NA	NA
D	A	CD	CA	VA	VA	RA	RA
D	A	CD	CA	VA	VA	NA	NA
D	A	CD	CA	VA	VA	NA	NA
C	A	CC	CA	VA	VA	NA	NA
C	A	CC	CA	VA	VA	NA	NA
C	A	CC	CA	VA	VA	RA	RA
C	A	CC	CA	VA	VA	NA	NA
B	A	CB	CA	VA	VA	RA	RA
B	A	CB	CA	VA	VA	NA	NA
B	A	CB	CA	VA	VA	NA	NA
B	A	CB	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	NA	NA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA
A	A	CA	CA	VA	VA	RA	RA

Initial Overall Grade (Fitch)	Final Overall Grade (Fitch)	Initial Credit Grade (Fitch)	Final Credit Grade (Fitch)	Initial Property Valuation Grade (Fitch)	Final Property Valuation Grade (Fitch)	Initial Compliance Grade (Fitch)	Final Compliance Grade (Fitch)	Active Material Exceptions
D	D	D	D	A	A	D	A	1) Documentation to support the Borrower had sufficient funds required for the closing costs was not evident in the file. Verified funds equal $XX,XXX.XX and the Closing Disclosure confirms $XX,XXX.XX was needed for closing. The file contains gift letters indicating the Borrower was to receive $XX,XXX and $X,XXX at the time of closing; however, documentation to support the receipt of the gift funds was not shown on the Closing Disclosure. The DU approval reflects a total of $XX,XXX.XX was to have been verified. The receipt of the gift funds totaling $XX,XXX would cure this requirement.
D	D	D	D	A	A	A	A	1) DU was submitted with total available assets of $XXX,XXX.XX; however, the loan file only contain documentation supporting total available assets of $XXX,XXX.XX. DU reflects the following available assets: -Retirement $XXX,XXX - in loan file -Retirement $XX,XXX - in loan file -Savings $XXX,XXX -Savings $XX,XXX.XX -Checking $X,XXX.XX The loan file did not contain statements from the X Savings and X Checking account. The loan file contained a wire transfer to the title company from the a Savings account of $XXX,XXX.XX for the closing of the subject. A statement from the Savings account would need to be obtain per DU requirement #XX to verify the assets used to for the closing of the subject property.
C	C	C	C	A	A	NA	NA	The credit report ordered during QC reflects a mortgage opened prior to closing with XXX XXXX of XXXXXXXXXX that was not reflected on the final application or original credit report. The opening date was shown as X/XXXX, while the subject loan was opened in X/XXXX. A search in public records could not determine the property secured by this mortgage; however, it appears to be secured by the departing residence. It is noted, this is a HELOC. The file did not contain documentation of this mortgage. It could not be determined if funds were drawn on this HELOC at the time of closing. The QCC reflects a balance owing of $XXX,XXX. Additionally, the file documents gift funds of $XXX,XXX for the subject transaction. It could not be determined if the funds derived from the HELOC were utilized for the subject transaction or to pay back the donor for the gift funds. QC did not include the payment of $X,XXX in qualifying since it could not be determined if this HELOC had a balance at the time of closing. Including the payment would result in a DTI exceeding XX%.
C	C	A	A	C	C	NA	NA	The ADI report ordered by QC did indicate discrepancies from the original appraisal which do have a significant impact on the final estimate of value. The market value of $XXX,XXX was not supported by the review appraisal. The reviewer provided a new sales grid and recommended a value of $XXX,XXX for the subject property. Due to the subject transaction having a sales price of $XXX,XXX the new lower recommended value does not have a negative effect on the LTV.
D	B	D	B	A	A	NA	NA
D	B	D	B	A	A	NA	NA
C	B	C	B	A	A	NA	NA
C	B	C	B	A	A	NA	NA
D	B	D	B	A	A	A	A
D	A	D	A	A	A	A	A
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	A	A
D	A	D	A	A	A	A	A
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	A	A
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	A	A
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	A	A
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	A	A
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	A	A
D	A	D	A	A	A	A	A
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	A	A
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	A	A
D	A	D	A	A	A	A	A
D	A	D	A	A	A	A	A
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	A	A
D	A	D	A	A	A	NA	NA
D	A	D	A	A	A	NA	NA
C	A	C	A	A	A	NA	NA
C	A	C	A	A	A	NA	NA
C	A	C	A	A	A	A	A
C	A	C	A	A	A	NA	NA
B	A	B	A	A	A	A	A
B	A	B	A	A	A	NA	NA
B	A	B	A	A	A	NA	NA
B	A	B	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
A	A	A	A	A	A	NA	NA
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Active Non-Material Exceptions	Satisfied Exceptions	Freddie Mac Rebuttal	Vendor Rebuttal	Waived Exceptions	Compensating Factors	Valuation Comments	General Comments
	1) The final closing disclosure was not located in file. It is noted, due to the missing document, QC was unable to determine the funds required for closing or the amount of seller paid fees. 2) The PMI cert was not located in the loan file. 3) A High Cost Review could not be performed due to the CD and PMI Certificate not being retained in file.	1) Please reconsider the exception. The Closing Disclosure is attached for your review. 2) Please reconsider the exception. The MI cert is attached for your review. 3) Please reconsider the exception. The CD and MI are attached for your review. 4) Freddie Mac agrees verification of the receipt of the X gifts was not provided in the subject loan file.	1) Agree - with the receipt of the Closing Disclosure, this finding is resolved 2) Agree - With the receipt of the MI Certificate ADF verified the coverage of company to be accurate. 3) Documents provided. High Cost has been tested and passed. 4) Accept
2) The file is missing income documentation for the Borrower and Co-Borrower. QC utilized the income from the DU for calculating ratios. The file was approved with income for the Borrower in the amount of $X,XXX per month and $X,XXX.XX per month for the Co-Borrower. QC rated the comment downward due to the re-verification being received for the Borrower and Co-Borrower and the income reflected on the re-verification supporting the income used in qualifying. Re-verification for the Borrower reflects wages of $XX,XXX.XX as of XX/XX/XXXX ($XX,XXX.XX monthly) and re-verification for the Co-Borrower reflects base pay of $XXX,XXX annually ($X,XXX.XX monthly).		1) Freddie Mac agrees the loan file did not confirm sufficient liquid funds available to close the subject transaction. The file did contain more than enough funds available in retirement accounts, however terms of withdrawal were not provided. 2) Freddie Mac agrees the re-verification was required to substantiate the income used for both borrowers.	1) Accept 2) Accept
		Freddie Mac Agrees when adding the undisclosed mortgage to the DTI, the DTI exceeds 50%.	Accept
		Freddie Mac agrees the ADI did not support the market value delivered, but did support the sales price of $XXX,XXX.	Accept
2) The Verbal VOE was expired on the date the Note was signed. The Verbal VOE was dated X/XX/XXXX, which is outside the 10 days from the Note date of X/XX/XXXX. Although this documentation is required, QC accepted the loan with a lower rating. The file contains a re-verification of employment dated after closing confirming continued employment.	1) None in file at time of audit: Flood Hazard Determination.	1) Please reconsider the exception. The flood cert has been forwarded for your review. 2) Freddie Mac acknowledges that the VVOE was not dated within 10 business days of the subject Note date however, the audit reverification confirms the Borrower was employed at closing and there are no red flags.	1) Agree - due to the receipt of the Flood Cert verifying the subject property was not in a flood zone. 2) Responded - It is agreed the file does not contain any red flags for the Borrower's employment and a post closing reverification confirming the Borrower's employment was located in the file. The "B" rating is due to the LP required documentation not being located in the file.
1) A lender credit report was not found in file for the Borrower. QC utilized the debts from the application for ratio calculation for a total of $XXX per month for data entry purposes.	2) A loan approval form was not located in the file to confirm the loan was underwritten and approved prior to closing. 3) The subject property is a Individual Cooperative. The appraisal was not completed on the Individual Individual Cooperative Appraisal Report (Form 2090).	1) Please reconsider the exception. Although the lender's credit report for the Borrower is not in the file, the application indicates only X revolving account with a balance the audit credit report shows a revolving account with a minimal balance and the Co-Borrower's auto loan which the Borrower is a comaker. The Borrower had prior X accounts, now paid and closed and no late payments or undisclosed debts. 2) The LP approval has been forwarded for your review. Please reconsider the exception. The property is a SFD, not a Co-Op as confirmed by the appraisal and title. The Co-Ownership Agreement (Note) in file is a Murabaha or non-interest-bearing loan with an intermediary. The Title confirms the subject is not a Co-Op and the appraisal was completed on the correct form.	1) Accept - Utilizing the QC credit report, approval and loan application, QC was able to back in to the Borrower's debts. The "B" rating is due to the file not having the required documentation. 2) Agree - with the receipt of the LP approval, the finding is resolved. 3) Agree - with further information from the cient, the subject is deemed a SFR and the finding is resolved.
The subject loan was approved as a no cash out refinance transaction; however, the Borrower received funds at closing in the amount of $X,XXX.XX. The total cash out exceeded the lesser of 2% of the loan amount or $XXXX. The Closing Disclosure in file reflects the transaction paid off the first mortgage and a purchasing second mortgage at closing.		Freddie Mac agrees the amount of cash back is immaterial. While the Borrower did receive more than the allowed cash back, Freddie Mac feels the additional $XXX received by the Borrower is non material as the funds are minimal and not needed to close. Offsetting factors: Property owned for XX years,housing payment reduced by $XXX per month, 747 FICO score, over $X,XXX in assets verified and no rental income used in qualifying from the other units.	Accept - The cash back amount of $XXX to the Borrower is being considered a non-material amount due to the Borrower having $X,XXX in verified assets, 75% LTV, 747 credit score and layering the existing payment $XXX. QC has revised the grade for this issue to a "B".
The DU reflects a PITI of X,XXX.XX; however, QC calculated a PITI of $X,XXX.XX. QC calculated the PITI of $X,XXX.XX using the following: -P&I $X,XXX.XX (Note) -Hazard $XX.XX (CD) -Taxes $XXX.XX (CD) -HOA $XXX (Appraisal) Due to the increase in the PITI the DTI increased to 45.87% from 40.17%, which exceeds tolerance. The change is data would require resubmission.		Freddie Mac accepts the downgrade of the subject to a B. Please reconsider the grading of the exception. While the DTI of 46% exceeds the DU approved DTI, Freddie Mac still believes that the loan is still acceptable quality. Based on the strong compensating factors that include a low LTV of 69%, a qualifying credit score of 776, and the Borrower putting over $XXX,XXX into the transaction, Freddie Mac believes that the loan can still be accepted as a manually underwritten mortgage. The strong compensating factors are felt to mitigate risk of having a slightly excessive DTI, therefore Freddie Mac believes the loan cans still be considered investment quality.	Accept - The DTI increased over the allowable tollerance; however, due to the credit score, LTV and DTI being 46%, the loan remaining investmetn quality. The finding has been reduced to a credit score of a "B"
Documentation to support the Borrower had sufficient funds required for the earnest money, closing costs and down payment was not evident in the file. Verified funds equal $XX,XXX.XX. The Closing Disclosure confirms $XX,XXX.XX was needed for the subject transaction. This shortage of $XX,XXX.XX is not addressed. It is noted, page 3 of the application indicates the sale of the departing residence. Evidence of this sale was not located in file to reflect the proceeds.		Freddie Mac agrees that with the alternative documentation, the loan is acceptable. Please reconsider the grading of the exception. The lenders credit report shows the mortgage on the prior residence was paid off 2 months prior to closing. Verification it was sold is attached. The funds would be available, using 90% of the sales price minus the mortgage, leaves $XX,XXX in available funds.	Accept - With the additional information provided by the client it is verified the Borrower's previous residence was sold. Due to the use of alternate documentation, the finding is reduced to a "B" rating.
	1) A loan approval form was not located in the file to confirm the loan was underwritten and approved prior to closing. 2) The file is missing income documentation for the Borrower and Co-Borrower. QC utilized the income from the loan application for calculating ratios. The file was approved with income for the Borrower in the amount of $X,XXX.XX per month and $X,XXX.XX per month for the Co-Borrower.	1) Please reconsider the exception. Attached for your review are the DU Findings. 2) Please reconsider the exception. Attached for your review is all of the income documentation for both borrowers.	1) Agree - With the receipt of the DU Findings verifying the method of loan approval 2) Agree - with the receipt of the income documentation for the Borrower and the Co-Borrower.
	1) Documentation of the Borrower's pension income of $X,XXX.XX, as submitted to the AUS, was not located in file. The file contains the 2017 transcript; however, the annual pension of $XX,XXX supports income of only $X,XXX.XX monthly. Additionally, this is reflected as taxable pension, therefore, the income could not be grossed up. Using the lower income would result in the increase of the DTI from 44% to 49%, which would require a resubmission. 2) The file was missing asset documentation for evidence of funds to close. The closing disclosure indicates funds of $XX,XXX.XX were required for closing. The applications located in the file reflect discrepancies with the available assets. One application reflects no assets, one application reflects $XX,XXX with an unknown bank and one application reflects $XX,XXX.XX with XXXX. No bank statements were located in file.	1) Please reconsider the exception, attached is a VOE showing he has “extra hours”. He has at least a X.X year average of extra hours, using the total for XXXX, XXXX and XXXX divided by XX, gives him an average of XXX per month. Using PITI of XXXX, debts of XXX and income of base XXXX, extra hours of XXX and pension of XXXX, DTI is XX%. 2) Please reconsider the exception. The assets are attached for your review.	1) Agree - Utilizing the extra hours reflected on the VOE in the file, the DTI is calculated at 43% and is acceptable and within tolerance of the submitted DTI. 2) Agree - with the receipt of the additional assets, the finding for sufficient funds is resolved.
	1) Documentation to show the transfer of the gift funds from the donor's account to the Borrower's account was not located in the file. (AUS requirement #21) (FNMA Selling Guide, B3-4.3-04) (FHLMC Selling Guide 5501.3) The Borrower received gift funds of $XX,XXX. Without the gift funds the Borrower would have not insufficient assets for closing. 2) None in file at time of audit: Mortgage Insurance Certificate. The Mortgage Insurance Certificate in the file reflects a single premium and reflects the Mortgage Insurance company as XXXX. The Closing Conditions Addendum reflects the Mortgage Insurance Company as XXXXX with a monthly premium.	Please reconsider the exception. 1) Attached for your review is a statement provided from Title company to show a gift of $XX,XXX was paid at closing along with a gift letter for $XX,XXX and documents showing the transfer of the $XX,XXX gift funds paid as EMD which documents sufficient funds available to close. 2) Please reconsider the exception. A copy of the MI certificate is attached for your review.	1) Agree - with the receipt of the additional information in regards to the receipt of the gift funds, the finding is resolved. 2) Agree - with the receipt of the Mortgage Insurance Certificate verifying the coverage, the finding is resolved.
	1) Documentation to support the Borrower had sufficient funds required for closing was not evident in the file. Verified funds equal $XX,XXX.XX and the LP required funds of $XX,XXX.XX to be verified. This shortage is not addressed. QC was unable to verify the total amount of funds needed at closing, due to the Closing Disclosure not being located in the file. 2) The Final Closing Disclosure was not in file at time of audit. 4) The file did not contain a complete Verbal VOE for the Borrower and Co-Borrower within 10 business days prior to the Note date as required. A written VOE within 10 business days prior to the Note date would have also been acceptable. (Freddie Mac Selling Guide, 37.23a) AUS requirement CZ	1) and 2) Please reconsider the exceptions. The subject loan was a single-close construction to permanent loan that closed X/XX/XXXX per the Closing Disclosure and the Note with addendum in file. The funds required to close the construction phase were $XXXX deposit + $XXXX funds to close. Those funds were documented in the Borrowers’ bank account statements from 2017. The Borrowers also paid $XXXX and $XXXX to the builder also documented in the file. At the time of conversion to permanent financing X/XX/XX the Borrowers modified the loan by paying down the balance by $XX,XXX-these funds also documented resulting in a new amount payable of $XXX,XXX and an 80% LTV reflected on the new LPA approval dated X/XX/XXXX. The LP approvals did not require reserves and the file documented all funds required plus $XX,XXX. 3) The file contains a VVOE for each borrower dated X/XX/XX and X/XX/XX which are within 10 business days of the Note date X/XX/XX.	1) and 2) Agree - With further clarification on the type of loan file single-close construction to permanent loan the finding is resolved. The XX/XX CD is the only CD. 3) Agree - Due to the closing dated being in XX/XXXX, the VVOE in the file is acceptable.
	1) The file was missing asset documentation for evidence of funds to close. The Closing Disclosure required $XX,XXX.XX for closing funds. 2) The file is missing income documentation for the Borrower and Co-Borrower. QC utilized the income from the final application for calculating ratios. The file was approved with income for the Borrower in the amount of $X,XXX.XX per month and $X,XXX.XX per month for the Co-Borrower. Without the Borrower and Co-Borrower's income, QC would not be able to calculate ratios. 3) The monthly mortgage payment listed on the lender's credit report for the Borrower was not considered in qualifying. The application indicates the debt was being excluded from the debt ratio; however, this was not documented in file. The application indicates assets from the 'sale of current home'. [Freddie Mac Selling Guide, Chapter 5000, Section 5401.2, (a) 2]. 4) A loan approval form was not located in the file to confirm the loan was underwritten and approved prior to closing. QC was unable to compare ratios as the file did not contain any documentation of the figures used in qualifying. It is noted, the tape data reflects a DTI of 23%.	1) Please reconsider the exception. The CD for the concurrent sale of the REO property with net funds to the Borrowers of $XX,XXX and the Borrowers' personal bank statements with assets of $XX,XXX have been forwarded for your review. 2) The assets are more than sufficient for the subject closing The income documents for both borrowers including current paystubs, VVOEs and a VOE for BX confirming total monthly income of $XX,XXX resulting in a 24% DTI has been forwarded. 3) The CD for the REO as noted in #1 paid off the mortgage on that property has been forwarded. 4) Please reconsider the exception. The LP approval has been forwarded for your review.	1) Agree - With the receipt of the CD to support the sale of the previous residence and receipt of $XX,XXX in assets and the $XX,XXX verified in the Borrower's accounts, the Borrower has sufficient assets 2) Agree - With the receipt of the income documentation, the income for the Borrowers was calculated at $XX,XXX and a DTI calculated at 24%. 3) Agree - With the receipt of the CD to support the sale of the previous residence verifiying the mortgage was paid off the finding is resolved. 4) Agree - With the receipt of the LP approval, the finding has been resolved.
	1) The lender approval, transmittal summary and AUS documents were missing from the file. QC was unable to determine how the subject loan was approved. 2) The final application was not found in the file.	1) Please reconsider the exception. Attached for your review is Freddie Mac's internal LP Summary documentation. 2) Please reconsider the exception. The file contains the complete initial signed application. Freddie Mac only requires a signed application in the file, and per the Statement of Work it does not have to be the final application.	1) Agree - QC confirms the receipt of the LP Summary Detail verifying the subject loan was approved by LP 2) Agree - the loan file does contain a signed initial application. A signed application is required being initial or final.
	1) The loan application reflects a debt with a payment of $XX.XX. The source of the payment amount is unknown and was not documented in file. QC utilized the payment from the application for ratio calculations. The loan file contains a consumer explanation letter reflecting the inquiry on XX/XX/XXXX and a handwritten notation from the Borrower reflecting a payment of $XX.XX. The loan file did not contain any documentation from the creditor reflecting a payment or balance for the account. QC additionally notes the account is not reflected on the QCCR. 2) A fully executed settlement statement from the sale of the Borrower's previous home was not located in file. The final application reflects the Borrower's previous residence in XXXXX, FL was sold. Utilizing the QC credit report, QC confirmed the account on the Borrower's residence was closed in XX/XXXX. The Borrower's bank statement reflects a large deposit of $XX,XXX.XX on XX/XX/XXXX. The loan file did not contain any additional documentation to support the large deposit or documentation to support the deposit was from the sale of the previous residence. The funds from the deposit were need for closing. 3) The file did not contain a complete Verbal VOE for the Borrower within 10 business days prior to the Note date as required. A written VOE within 10 business days prior to the Note date would have also been acceptable. (Freddie Mac Selling Guide, 37.23a) This is AUS requirement CZ.	1) Please reconsider the exception. Attached for your review is the following item 1) verification of the $XX.XX obligation. 2) Please reconsider the exception. Attached for your review is the following item 2) executed statement for the sale of the Borrower' prior home showing net proceeds of $XX,XXX. 3) Please reconsider the exception. Attached for your review is the following item. 3) VVOE for the Borrower.	1) Agree - Client provided additional documentation to support the $XX.XX payment with the creditor resolving the finding. 2) Agree - Client provided the proof of sale of the Borrower's previous residence to support the receipt of $XX,XXX resolving the finding. 3) Agree - Client provided the VVOE for the Borrower clearing the finding.
	1) The LP located in the loan file was incomplete. QC could not determine if all requirements were met. It appears the loan would meet standard guidelines for a no cash out refinance with an LTV of 71.14%, DTI of 25.45% and a credit score of 745. However, standard guides require XXX years tax returns when the business has been active for less than X years. Due to the missing documentation for the business, QC could not determine if this business had been active longer than X years, allowing for only the XXX year tax return. X) The XXX, along with the business tax return, was not located in file. Form 91, income calculations, indicates income from this source was utilized in qualifying. QC used the income from this document for data entry. Omitting this income, the DTI would be in excess of 100% and not eligible under standard guidelines.	Please reconsider the exception. Attached for your review: 1) copy of the Freddie Mac internal LPA and evidence the company has been active more than X years. 2) XXX showing Borrower has less than XX% ownership and therefore business tax returns are not required.	1) Agree - With the receipt of the LPA, the finding has been resolved. 2) Agree - With the receipt of the additional documentation supporting the income, ownership and the existence of the business for over X years.
	1) The monthly payments on the accounts for $XXX and $XX were not considered in qualifying. The loan application indicates the debts would be satisfied at closing; however, this was not documented in file. If the obligation was included the DTI would increase to 33.69% from 30.98%. [Freddie Mac Selling Guide, Chapter 5000, Section 5401.2, (a) 2] The QCCR reflects the accounts have deferred payments to XX/XX/XXXX. 2) The transmittal summary indicates the loan was submitted to LP. The entire AUS document was missing from the file.	1) Please reconsider the exception. Attached for your review is Freddie Mac's Internal LP Summary Documentation evidencing a DTI of 32%. The recalculated DTI of 34% is within LPA submission tolerance requirements. 2) Please reconsider the exception. Attached for your review is Freddie Mac's Internal LP Summary Documentation evidencing a DTI of 32%.	1) Agree - With the receipt of the LP Summary Documentation supporting the approval DTI of 32%, the inclusion of the debts would not have a negative effect on the DTI increasing it to only 34%, which remains with in the acceptable tolerance, clearing the finding. 2) Agree - With the receipt of the LP Summary Documentation supporting the DTI of 32%, the finding is resolved.
	A copy of the lease agreement for the departure residence was not provided. The DU approval reflects net rental income of $X,XXX.XX ($X,XXX monthly gross rent x 75% vacancy factor=$X,XXX - $XXX.XX taxes and insurance=$X,XXX.XX). Using the complete PITI for this property, the DTI would increase to 59.88% from 41.96%. QC used the net rental income on the DU approval for data entry purposes.	Please reconsider the exception. Attached for your review is the lease for the departure residence.	Agree - with the receipt of the lease agreement, the finding is resolved.
	A fully executed settlement statement on the sale of the Borrower's previous home was not located in file. As a result, Borrowers have insufficient available funds to close. It is noted, the file contains verification of a retirement account. Evidence of liquidation was not located in file, which would be required. Additionally, the file indicates the proceeds of the sale were being utilized for the subject transaction.	Please reconsider the exception. The verification of sale of prior residence is attached.	Agree - The settlement statement for the prior residence was provided, clearing the finding.
	A fully executed settlement statement on the sale of the Borrower's previous home was not located in file. As a result, Borrowers have insufficient funds to close. Verified funds equal $XX,XXX.XX and the Closing Disclosure confirms $XX,XXX.XX was needed for closing. It is noted, the Closing Disclosure should also confirm the mortgage listed on the lender's credit report was paid off at closing. LP requirements XO, NG and NA	Please reconsider the exception. Attached for your review is the departure CD confirming the payoff of the mortgage on the credit report and evidencing sufficient funds to close.	Agree - WIth the receipt of the additional documentation sufficient funds has been established for the subject transaction.
	A fully executed settlement statement on the sale of the Borrower's previous home was not located in file. As a result, Borrowers have insufficient funds to close. Verified funds equal $X,XXX.XX and the CD confirms $XX,XXX.XX was needed for closing. The Closing Disclosure should also reflect the mortgages with XXXX XXXXXXX and XXX XXXXXXXX paid off at this closing to exclude the two mortgage debts. DU requirements #11 and #19	Please reconsider the exception. Freddie Mac confirmed through public records that the departure residence was sold on X/XX/XX for $XXX,XXX. Using $XXX,XXX, which is XX% of the sales price, less the mortgage balances of $XXX,XXX and $XX,XXX reported on the credit report results in net to the Borrower of $XX,XXX. The subject CD required $XX,XXX to close. The audit credit report confirms the departure mortgages with XXXX XXXXX and XXX are paid off. The XXXXI account is an unsecured installment debt which was not included in qualifying due to having less than XX months payments remaining.A copy of the departure sale public records has been forwarded for your review.	Agree - with the additional information regarding the sale of the Borrower's departure residence the Borrower would have sufficient funds for closing, therefore the finding is resolved.
	A fully executed settlement statement on the sale of the Borrower's previous home was not located in file. As a result, the Borrowers have insufficient funds to close. Verified funds equal $X,XXX.XX and the CD confirms $X,XXX for the EMD and $XX,XXX.XX was needed for closing, for a shortage of $XX,XXX.XX.	Please reconsider the exception. The departure CD that closed concurrently with the subject is attached. The Borrower's net proceeds were $XX,XXX which covered the amount needed to close on the subject property.	Agree - With the receipt of the additional documentation to support the sale of the Borrower's previous residence, the finding is resolved.
	A loan approval form was not located in the file to confirm the loan was underwritten and approved prior to closing.	Please reconsider the exception. The LP is attached for your review.	Agree - with the receipt of the LP approval, the finding is resolved.
	Documentation to support the Borrower had sufficient funds required for the earnest money and closing costs was not evident in the file. Verified funds equal $XX,XXX.XX and the Closing Disclosure confirms $XX,XXX.XX was needed for earnest money and closing. This shortage is not addressed. The final loan application does not reflect any assets. The transmittal summary reflects the Borrower's source of funds were from Checking/Savings, Gift Funds and Equity from pending sale. The LP in file in file does not reflect the Equity from the sale or Gift Funds. LP in file reflects available funds of $X,XXX.XX. QC calculated the available funds of $XX,XXX.XX.	Please reconsider the exception. Attached for your review are recent bank statements showing the Borrowers had sufficient funds to close in the amount of $XX,XXX. Also included is documentation to source the $XX,XXX increase reflected in the bank accounts from a recent XXXX loan.	Agree - With the receipt of the additional asset documentation the finding is resolved.
	Evidence the earnest money deposit has cleared the account was not located in file. No bank statements were located in file. The CD for the subject transaction reflects an EMD of $X,XXX and funds to close of $XX,XXX.XX for total funds required of $XX,XXX.XX. The CD from the sale of the previous property reflects proceeds of $XX,XXX.XX, which is insufficient to cover the EMD and funds to close for the subject transaction. The shortage is $XXX.XX.	Please reconsider the exception. Atached is a copy of the $X,XXX EMD check written by the Borrower. Also attached is a bank print out showing the $X,XXX check clearing the account on X/X/XX. Proceeds of $XX,XXX plus the $X,XXX EMD results in sufficient funds to close of $XX,XXX.	Agree - With the receipt of the documentation to support the earnest money had cleared the finding is resolved.
	LP was submitted with $-X.XX in negative rental income; however, QC calculated $-X,XXX.XX in negative rental income. The Borrower has XXX investment properties that were not included in the DTI ratio per the LP approval. The loan file contained documentation reflecting the loan was ran through Loan Beam and the rental properties were excluded from the DTI ratio. Using the Borrower's 2017 XXXXXXXX X, QC calculated negative cash flow of $-X,XXX.XX for rental #X and $-X,XXX.XX for rental #X. Due to the increase in negative rental income the DTI ratio increased to 75.88% from 32.00%, which exceeds tolerance.	Please reconsider the exception. Loan was incorrectly delivered with the LAS pilot program (Loanbeam) mortgage flag. Freddie Mac agrees the Lender did not include the rental losses in qualifying. Using the Freddie Mac Form 91 to calculate the rental income results in rental #X loss of $XX per month and rental #X loss of $XXX per month. Including these losses in the qualifying ratios results in an increase from the original 32% DTI to a 38% DTI. The loan is acceptable as a manually underwritten loan.	Agree - The loan is acceptable using Manual underwriting guidelines so the finding is resolved.
	None in file at time of audit: Mortgage Insurance Certificate	Please reconsider the exception. The MI cert is attached for your review.	Agree - With the receipt of the documentation to support the Mortgage Insurance coverage, the finding is resolved.
	None in file at time of audit: Mortgage Insurance Certificate.	Attached for your review is the MI Certificate.	Agree - with the receipt of the MI Certificate, the finding is resolved.
	None in file at time of audit: Mortgage Insurance Certificate.	Please reconsider the exception. Attached for your review is the MI Certificate.	Agree - WIth the receipt of the MI Certificate, the coverage was verified and the finding is resolved.
	None in file at time of audit. Note.	Please reconsider the exception. The note is attached for your review.	Agree - WIth the receipt of the Note for the subject transaction, the finding has been resolved.
	QC observed a material discrepancy between the data submitted to LP and information obtained during the QC audit. The re-verification confirmed the Borrower's separation date from the current employer was on X/XX/XXXX, which was prior to the Note date of X/XX/XXXX. The re-verification indicates the Borrower resigned and obtained other employment. The file contains a verbal VOE dated X/XX/XXXX indicating the Borrower began employment with the new company on X/XX/XXXX. The final application did not disclose new employment nor did the file contain documentation of this income. The income used in qualifying of $X,XXX.XX was calculated on semi-monthly salary from the Borrower's previous employment. Without income documentation from the new employer, the Borrower's income could not be accurately calculated. Due to same, QC did not consider the Borrower's income in qualifying. Omitting this income resulted in the DTI increasing from 28% to 60.17%, which exceeds the allowable tolerance. Further, the loan would not meet standard guidelines with this excessive DTI.	Please reconsider the exception. The Borrower obtained new employment on X/XX/XX, prior to closing. A VOE and paystub confirming monthly base income of $XXXX which yields a DTI of 31% has been forwarded for your review.	Agree - With the recept of the new VOE for the Borrower, in regards to the change of employment and verification of income supporting $X,XXX/mo, the DTI is adjusted to 31.96% from the submitted DTI of 28%.
	The appraisal was dated X/X/XXXX and was subject to completion. A Completion Cert was not located in the file.	Attached for your review is the Completion Report.	Agree - The completion report has been provided by the client, resolving the finding.
	The appraisal was subject to completion; however, the Completion Certificate Form was not located in the file as required.	Please reconsider the exception. The completion cert and photos have been forwarded for your review.	Agree - With the receipt of the additional documentation to support the subject property was completed, the finding is resolved.
	The appraisal was subject to completion; however, the Completion Certificate Form was not located in the file as required.	Please reconsider your exception. Attached for your review is the Certificate of Completion	Agree - with the receipt of the Certificate of Completion, the finding is resolved.
	The Bank statements provided were expired on the date the Note was signed. An updated statement should have been obtained. [Freddie Mac Selling Guide, Chapter 5000, Section 2102.4]	Please reconsider the exception. Attached for your review is the updated asset documentation evidencing sufficient funds to close.	Agree - with the receipt of the more current asset documentation the finding has been cleared.
	The file contains a computer print out of the Borrower's asset accounts. This document was illegible. An additional print out was located in file, but was incomplete. QC was unable to determine if sufficient funds for closing were verified.	Please reconsider the exception. Attached for your review is the Borrower's other asset statement indicating an available balance of $XXX,XXX prior to closing which exceeds the $XX,XXX required for closing per the CD.	Agree - With the receipt of the additional documentation the finding has been resolved.
	The file contains an LP submission. Page 1 of the AUS was not located in file.	Please reconsider the exception. The full LP is attached for your review.	Agree - with the receipt of the LP, the finding is resolved
	The file did not contain a complete Verbal VOE for the Borrower within XX business days prior to the Note date as required. A written VOE within 10 business days prior to the Note date would have also been acceptable. (Freddie Mac Selling Guide, 37.23a) (AUS requirement #CZ)	Please reconsider the exception. The VVOE's are attached for your review.	Agree - With the receipt of the additional documentation, the finding is resolved.
	The file is missing the lease agreements or XXXXXXXX X to calculate negative rent of $XXX and to exclude the XXX mortgage debts listed on the lender's credit report. Per the final application, the Co-Borrower's own XXX rental properties; however, documentation was not located in the file to exclude the debts. QC used the negative rent, for both properties, of $XXX in qualifying for data entry. [Freddie Mac Selling Guide, Chapter 5000, Section 5401.2, (a) 2]	Please reconsider the exception. Attached for your review are X years tax returns verifying rental income.	Agree - with the receipt of the tax returns, the finding is resolved.
	The file is missing the Pension/Retirement income documentation for the Borrower in the amount of $X,XXX.XX monthly. QC utilized the income from the final application for calculating ratios. The file did contain the 2017 Wage and Income Transcript. The transcript reflects distributions from Pensions, Annuities, etc; however, the amount reflected does not support the Pension/Retirement income used in qualifying. The file also contained XXX months of bank statements reflecting a retirement deposit; however, the amount used by the lender is not supported by the monthly deposits. QC used the retirement income submitted by the lender for data entry. (LP requirement LJ)	Please reconsider the exception. Attached for your review is the award letter for the Borrower's retirement supporting a monthly amount of $X,XXX.	Agree - with the receipt of the documentation to support the retirement income the finding is resolved.
	The file was missing asset documentation for evidence of funds to close. The Closing Disclosure required $XX,XXX.XX; however, asset documentation was not located in the file. (LP requirement GF)	Please reconsider the exception. The Borrowers' assets confirming sufficient assets to close have been forwarded for your review.	Agree - with the receipt of the asset documentation to support sufficient funds for closing, the finding is resolved.
	The file was missing asset documentation for evidence of funds to close. The Closing Disclosure required $XX,XXX.XX; however, complete documentation from the XXX XX accounts #X, #X, #X and X and XXX accounts #X and #X were not located. DU reflects available funds of $XXX,XXX.XX.	Please reconsider the exception. The missing assets are attached for your review.	Agree - with the receipt of the additional documentation the finding has been resolved.
	The lender approval indicates the loan was submitted to DU. The entire AUS document was missing from the file.	Please reconsider the exception. Attached for your review is a copy of the DU Findings.	Agree - with the receipt of the DU, the finding is resolved
	The loan application reflects a debts with XXXX with a payment of $XX, XXXXi $XX, XXXXX XXXXX $XX and XXXXXX $X. The source of these payment amounts were unknown and was not documented in file. QC utilized the payments from the application for ratio calculations. The lender's credit report in file dated XX/XX/XXXX only reflects an open account with XXXX with a payment of $XXX and a balance of $XX,XXX. QC notes the loan application reflects the debt with a payment of $XXX and a balance of $XX,XXX. QC used the higher payment reflected on the loan application for data entry purposes. The QC credit report reflects the following payments and balances for the accounts listed on the loan application: -XXXX $XXX - $XX,XXX -XXXXXXX $XXX - $X,XXX -XXXX $XX - $X,XXX -XXXXX XXXXX $XX - $XXX -XXXXX $X - $X	Please reconsider the exception. The lender's credit supplement in file updated X.XX.XXXXX reflects the latest XXXXX account balance $XXX with a $XX payment, XXXX balance $XX,XXX with a $XXX payment, XXXX balance $XXXX with a $XX payment, XXXXX XXXXX balance $XXX with a $XX payment and XXXXXXX balance $X with a $X payment for a total other liabilities payment of $XXX matching the delivered amount. A copy of the credit supplement has been forwarded for your review.	Agree - With the receipt of the additional documentation the finding is resolved.
	The transmittal summary indicates the loan was submitted to DU. The entire AUS document was missing from the file.	Please reconsider the exception. The loan qualifies as a manually underwritten loan.	Agree - Due to the loan file meeting manual guidelines, the finding is resolved.
	The Borrowers received gift funds in the amount of $XX,XXX; however, the gift funds were not submitted to LP. The funds were needed for closing. The change in data would require a resubmission.	Please reconsider the exception. Gift funds are acceptable on an XX% LTV purchase transaction without any impact to the loan decision.	Agree - With further clarification from the client, this finding is resolved. Gift funds were received by the Borrower and documented.
	The Note for the subject transaction reflects an additional Borrower that was not credit qualified.	Please reconsider the exception. The Borrower was the only individual that signed the note. Her spouse only signed the Note as a Trustee of a trust. Section 5103.5 of the Freddie Mac Seller/Servicer Guide each Borrower and one or more trustees on behalf of the trust are required to sign the note. It further confirms that a trustee that signs may or may not be a Borrower on the loan. Since the spouse only signed as the trustee of the trust (and not as an individual as the borrower did) the Note is considered acceptable.	Agree - with further clarification, it was determined a credit package for the second party was not needed.
	This is an AUS LP submitted loan. The Purchase Eligibility reflects an recommendation of Ineligible. The loan is ineligible due to the total Borrower income exceeding the Home Possible income limit based on the location of the mortgage premises. QC notes the LP was approved with total income of $X,XXX.XX (Borrower $X,XXX.XX and Co-Borrower $X,XXX.XX). QC was unable to determine how the lender calculated the monthly income. QC calculated total income of $X,XXX.XX (Borrower $X,XXX.XX and Co-Borrower $X,XXX.XX). The increase in the monthly income decreased the DTI to 31.97% from 39.00%. QC used the more conservative income calculated by the lender for data entry purposes. The loan would not meet manual guidelines due to insufficient income documentation.	Please reconsider the exception. The lender has a TOB for a pilot program that allowed exceptions to the AMI limits in, among others, the subject property's county. A copy of the TOB has been forwarded for review. Based on the Borrowers' 2017 W2s it appears likely that both are paid on a XX-month contract as the wages support $XXXX monthly for B1 and $XXXX monthly for B2. The year-to-date paystubs for both from X/X/XXXX encompass X months where school was in session so the gross appears inflated as it's paid out over XX months, not XX. The DTI is 39%.	Agree - With the receipt of the TOB for a pilot program that allowed exceptions to the AMI limits.
	This is an LP submitted loan. The Recommendation is Ineligible Accept. The loan is ineligible due to the LTV exceeding the Freddie Mac limit for a cashout refinace. QC is unable to manually underwrite the loan as the LTV of XX% exceeds the maximum allowed of XX% for a cashout refinance.	Please reconsider the exception. The lender has an TOB allowing cash out to XX% LTV, TOB is attached for your review.	Agree - The lender has a TOB allowing cash out to XX% LTV, therefore resolving the finding
	A fully executed settlement statement on the sale of the Borrower's previous residence was not located in the file. The Borrowers did not need funds from the sale of the previous residence to close the subject transaction. QC was able to verify the previous residence closed on XX/XXXX using the QCCR.	Please reconsider the exception. Attached for your review is the CD for the sale of the previous residence.	Agree - With the receipt of the CD for the proof of sale of the Borrower's previous residence, the finding is resolved.
	The data integrity has been reviewed with no deficiencies found. All AUS requirements were not met. * LP requirement NA required the pay off of XXXXX debts * File contains evidence of the pay off for XXX debts * Evidence of the payoff of X of the debts was not located in file. - QCCR confirms this debt was closed the month of closing - Due to same, QC has accepted this issue with a lower rating	Please reconsider the exception. Although Freddie Mac agrees that the lender did not provide evidence of payoff of the third loan however the inclusion of the debt increased the DTI to 18%. At 18% DTI the difference is within tolerance of the LP-approved DTI of 15% and would therefore not constitute an exception.	Agree - Without the documentation to support payoff, the inclusion of the debt increases the DTI to 18% from 15%, which remains within the AUS tolerance.
	The file contains what appears to be a statement for a XXX account. Only pages 2 and 3 were located. Although the full statement is required, QC accepted this statement as the Borrower's name, beginning and ending account balance are reflected.	Please reconsider the exception. Attached for your review is the complete XXX statement.	Agree - WIth the receipt of the complete XXX statement, the finding has been resolved
	The most recent pay stub for the Borrower was not located in the file. (AUS requirement #CV) The AUS indicates income of $X,XXX/month was utilized in qualifying. The XXXX W2 supports income of $X,XXX.XX/month, which when utilized as the qualifying income does not have a negative impact on the ratios. The file contains a re-verification confirming continued employment and salary of $XX.XX hourly, which supports more than the qualifying income. Although the pay stub is a required document, QC has accepted due to the re-verification confirming employment and income.	Please reconsider the exception. Attached for your review are the Borrower's paystubs.	Agree - with the receipt of the Borrower's paystubs, the finding is resolved.

AVM's Within Tolerance	Desk Reviews/ADI's Within Tolerance	Field Reviews Within Tolerance	Field Review's Outside of Tolerance	ADIs Outside of Tolerance	Field Review Unable to Obtain	REO/Homesteps/Guam/No Appraisal	Total Valuations Completed
279	70	0	0	1	0	0	350

AVM's		Desk Reviews/ADI's		Field Reviews
Value Supported Within Tolerance	279	Vendor Obtained Desk Review-Value Supported	69	Vendor Obtained Field Review-Value Supported	0
Variance > 10%	46	Vendor Obtained ADI-Value Supported	1	Freddie Mac Obtained Through QC Process-Value Supported	0
No Hit	25	Freddie Mac Obtained Desk ReviewThrough QC Process-Value Supported	0	Variance>10%	0
Total AVM's Completed	350	Variance >10%	1	Total Field Reviews Completed	0
Desk Reviews Required	71	No Hit/Inconclusive/Unable to be Obtained	0	Unable to Obtain/Cancelled	0
		Total Desk Reviews/ADI's Obtained	71
		Cancelled Due to Field Review in File	0
		REO/Homesteps/Guam Loans/No Appraisal	0

AVM's Ordered	Value Supported	Variance > 10%	No Hit
350	279	46	25

Loan Number	Original Appraisal (OA) Value	City	State	AVM Value	AVM Variance Amount	AVM Variance Percentage	AVM Link	Desk Review (Yes/No)
XXXXXXXXX	XXXXXX	XXXXXXX	ME	XXXXXX	XXXXXX	-61.99%	XXXXXXXXXXXXXXXXX	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	MN	XXXXXX	XXXXXX	-46.00%	XXXXXXXXXXXXXXXXX	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	HI	XXXXXX	XXXXXX	-45.10%	XXXXXXXXXXXXXXXXX	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	TX	XXXXXX	XXXXXX	-41.31%	XXXXXXXXXXXXXXXXX	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	ID	XXXXXX	XXXXXX	-41.01%	XXXXXXXXXXXXXXXXX	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	CA	XXXXXX	XXXXXX	-36.75%	XXXXXXXXXXXXXXXXX	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	OH	XXXXXX	XXXXXX	-35.21%	XXXXXXXXXXXXXXXXX	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	NH	XXXXXX	XXXXXX	-33.10%	XXXXXXXXXXXXXXXXX	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	MT	XXXXXX	XXXXXX	-32.73%	XXXXXXXXXXXXXXXXX	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	CA	XXXXXX	XXXXXX	-28.67%	XXXXXXXXXXXXXXXXX	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	PA	XXXXXX	XXXXXX	-27.47%	XXXXXXXXXXXXXXXXX	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	IL	XXXXXX	XXXXXX	-27.20%	XXXXXXXXXXXXXXXXX	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	MA	XXXXXX	XXXXXX	-23.83%	XXXXXXXXXXXXXXXXX	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	NH	XXXXXX	XXXXXX	-23.83%	XXXXXXXXXXXXXXXXX	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	KY	XXXXXX	XXXXXX	-23.08%	XXXXXXXXXXXXXXXXX	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	FL	XXXXXX	XXXXXX	-22.61%	XXXXXXXXXXXXXXXXX	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	MN	XXXXXX	XXXXXX	-21.30%	XXXXXXXXXXXXXXXXX	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	OH	XXXXXX	XXXXXX	-20.00%	XXXXXXXXXXXXXXXXX	Yes
XXXXXXXXX	XXXXXXX	XXXXXXX	CA	XXXXXX	XXXXXX	-18.85%	XXXXXXXXXXXXXXXXX	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	MA	XXXXXX	XXXXXX	-18.67%	XXXXXXXXXXXXXXXXX	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	OR	XXXXXX	XXXXXX	-18.57%	XXXXXXXXXXXXXXXXX	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	FL	XXXXXX	XXXXXX	-17.78%	XXXXXXXXXXXXXXXXX	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	GA	XXXXXX	XXXXXX	-17.32%	XXXXXXXXXXXXXXXXX	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	IL	XXXXXX	XXXXXX	-16.67%	XXXXXXXXXXXXXXXXX	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	DE	XXXXXX	XXXXXX	-16.67%	XXXXXXXXXXXXXXXXX	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	IN	XXXXXX	XXXXXX	-16.45%	XXXXXXXXXXXXXXXXX	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	GA	XXXXXX	XXXXXX	-16.14%	XXXXXXXXXXXXXXXXX	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	CA	XXXXXX	XXXXXX	-14.09%	XXXXXXXXXXXXXXXXX	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	AR	XXXXXX	XXXXXX	-13.72%	XXXXXXXXXXXXXXXXX	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	AR	XXXXXX	XXXXXX	-13.25%	XXXXXXXXXXXXXXXXX	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	VA	XXXXXX	XXXXXX	-12.47%	XXXXXXXXXXXXXXXXX	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	MI	XXXXXX	XXXXXX	-12.45%	XXXXXXXXXXXXXXXXX	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	CO	XXXXXX	XXXXXX	-12.25%	XXXXXXXXXXXXXXXXX	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	RI	XXXXXX	XXXXXX	-12.25%	XXXXXXXXXXXXXXXXX	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	MO	XXXXXX	XXXXXX	-12.19%	XXXXXXXXXXXXXXXXX	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	WA	XXXXXX	XXXXXX	-11.97%	XXXXXXXXXXXXXXXXX	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	HI	XXXXXX	XXXXXX	-11.92%	XXXXXXXXXXXXXXXXX	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	CA	XXXXXX	XXXXXX	-11.43%	XXXXXXXXXXXXXXXXX	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	OH	XXXXXX	XXXXXX	-11.29%	XXXXXXXXXXXXXXXXX	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	MD	XXXXXX	XXXXXX	-11.15%	XXXXXXXXXXXXXXXXX	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	NJ	XXXXXX	XXXXXX	-10.94%	XXXXXXXXXXXXXXXXX	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	NJ	XXXXXX	XXXXXX	-10.81%	XXXXXXXXXXXXXXXXX	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	CO	XXXXXX	XXXXXX	-10.71%	XXXXXXXXXXXXXXXXX	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	PA	XXXXXX	XXXXXX	-10.67%	XXXXXXXXXXXXXXXXX	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	HI	XXXXXX	XXXXXX	-10.35%	XXXXXXXXXXXXXXXXX	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	TX	XXXXXX	XXXXXX	-10.10%	XXXXXXXXXXXXXXXXX	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	TX	NO HIT	NA	Indeterminable	NA	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	AR	NO HIT	NA	Indeterminable	NA	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	VA	NO HIT	NA	Indeterminable	NA	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	CT	NO HIT	NA	Indeterminable	NA	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	GA	NO HIT	NA	Indeterminable	NA	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	FL	NO HIT	NA	Indeterminable	NA	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	GA	No Hit	NA	Indeterminable	NA	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	TX	No Hit	NA	Indeterminable	NA	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	OH	No Hit	NA	Indeterminable	NA	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	MI	No Hit	NA	Indeterminable	NA	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	OK	No Hit	NA	Indeterminable	NA	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	HI	No Hit	NA	Indeterminable	NA	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	CO	No Hit	NA	Indeterminable	NA	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	IL	No Hit	NA	Indeterminable	NA	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	TN	No Hit	NA	Indeterminable	NA	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	IL	No Hit	NA	Indeterminable	NA	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	AZ	No Hit	NA	Indeterminable	NA	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	KS	No Hit	NA	Indeterminable	NA	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	IL	No Hit	NA	Indeterminable	NA	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	ME	No Hit	NA	Indeterminable	NA	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	PA	No Hit	NA	Indeterminable	NA	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	AK	No Hit	NA	Indeterminable	NA	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	NC	No Hit	NA	Indeterminable	NA	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	SC	No Hit	NA	Indeterminable	NA	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	OH	No Hit	NA	Indeterminable	NA	Yes
XXXXXXXXX	XXXXXX	XXXXXXX	MA	XXXXXX	XXXXXX	-9.83%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	KS	XXXXXX	XXXXXX	-9.81%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	GA	XXXXXX	XXXXXX	-9.80%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	CO	XXXXXX	XXXXXX	-9.66%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	KY	XXXXXX	XXXXXX	-9.54%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	CA	XXXXXX	XXXXXX	-9.33%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	OR	XXXXXX	XXXXXX	-9.33%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	WA	XXXXXX	XXXXXX	-9.28%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	TN	XXXXXX	XXXXXX	-9.25%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	IL	XXXXXX	XXXXXX	-9.05%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	WA	XXXXXX	XXXXXX	-9.03%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	PA	XXXXXX	XXXXXX	-9.00%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	MD	XXXXXX	XXXXXX	-8.90%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	UT	XXXXXX	XXXXXX	-8.60%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	KY	XXXXXX	XXXXXX	-8.54%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	NJ	XXXXXX	XXXXXX	-8.52%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	CA	XXXXXX	XXXXXX	-8.50%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	KS	XXXXXX	XXXXXX	-8.49%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	NY	XXXXXX	XXXXXX	-8.39%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	WA	XXXXXX	XXXXXX	-8.31%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	LA	XXXXXX	XXXXXX	-8.29%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	IN	XXXXXX	XXXXXX	-8.18%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	CA	XXXXXX	XXXXXX	-8.00%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	FL	XXXXXX	XXXXXX	-7.93%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	TN	XXXXXX	XXXXXX	-7.84%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	AL	XXXXXX	XXXXXX	-7.77%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	CO	XXXXXX	XXXXXX	-7.71%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	FL	XXXXXX	XXXXXX	-7.59%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	IL	XXXXXX	XXXXXX	-7.50%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	FL	XXXXXX	XXXXXX	-7.42%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	CA	XXXXXX	XXXXXX	-7.41%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	CO	XXXXXX	XXXXXX	-7.37%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	AZ	XXXXXX	XXXXXX	-7.32%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	IL	XXXXXX	XXXXXX	-7.21%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	OR	XXXXXX	XXXXXX	-7.18%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	NV	XXXXXX	XXXXXX	-7.14%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	WA	XXXXXX	XXXXXX	-7.14%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	TN	XXXXXX	XXXXXX	-7.11%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	CA	XXXXXX	XXXXXX	-6.97%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	MA	XXXXXX	XXXXXX	-6.96%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	NV	XXXXXX	XXXXXX	-6.79%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	FL	XXXXXX	XXXXXX	-6.79%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	OR	XXXXXX	XXXXXX	-6.73%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	IL	XXXXXX	XXXXXX	-6.69%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	MD	XXXXXX	XXXXXX	-6.68%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	WI	XXXXXX	XXXXXX	-6.67%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	KY	XXXXXX	XXXXXX	-6.65%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	RI	XXXXXX	XXXXXX	-6.57%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	GA	XXXXXX	XXXXXX	-6.57%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	DE	XXXXXX	XXXXXX	-6.55%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	GA	XXXXXX	XXXXXX	-6.49%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	CA	XXXXXX	XXXXXX	-6.48%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	WA	XXXXXX	XXXXXX	-6.33%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	CA	XXXXXX	XXXXXX	-6.32%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	OH	XXXXXX	XXXXXX	-6.14%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	TX	XXXXXX	XXXXXX	-6.14%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	GA	XXXXXX	XXXXXX	-6.08%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	CA	XXXXXX	XXXXXX	-6.05%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	MN	XXXXXX	XXXXXX	-6.04%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	IL	XXXXXX	XXXXXX	-6.02%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	UT	XXXXXX	XXXXXX	-6.01%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	VA	XXXXXX	XXXXXX	-6.00%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	CA	XXXXXX	XXXXXX	-6.00%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	CA	XXXXXX	XXXXXX	-5.88%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	NC	XXXXXX	XXXXXX	-5.81%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	GA	XXXXXX	XXXXXX	-5.78%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	CA	XXXXXX	XXXXXX	-5.74%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	CA	XXXXXX	XXXXXX	-5.69%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	GA	XXXXXX	XXXXXX	-5.68%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	NJ	XXXXXX	XXXXXX	-5.65%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	VA	XXXXXX	XXXXXX	-5.65%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	RI	XXXXXX	XXXXXX	-5.59%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	IA	XXXXXX	XXXXXX	-5.56%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	IL	XXXXXX	XXXXXX	-5.47%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	LA	XXXXXX	XXXXXX	-5.45%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	TX	XXXXXX	XXXXXX	-5.43%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	NM	XXXXXX	XXXXXX	-5.41%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	PA	XXXXXX	XXXXXX	-5.34%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	MO	XXXXXX	XXXXXX	-5.33%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	TX	XXXXXX	XXXXXX	-5.26%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	GA	XXXXXX	XXXXXX	-5.26%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	PA	XXXXXX	XXXXXX	-5.19%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	AR	XXXXXX	XXXXXX	-5.19%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	GA	XXXXXX	XXXXXX	-5.19%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	OR	XXXXXX	XXXXXX	-5.17%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	TN	XXXXXX	XXXXXX	-5.16%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	CA	XXXXXX	XXXXXX	-5.16%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	MN	XXXXXX	XXXXXX	-5.15%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	WI	XXXXXX	XXXXXX	-5.14%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	RI	XXXXXX	XXXXXX	-5.14%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	CA	XXXXXX	XXXXXX	-5.13%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	CO	XXXXXX	XXXXXX	-5.13%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	CA	XXXXXX	XXXXXX	-5.13%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	GA	XXXXXX	XXXXXX	-5.11%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	VA	XXXXXX	XXXXXX	-5.11%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	CA	XXXXXX	XXXXXX	-5.10%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	TN	XXXXXX	XXXXXX	-5.09%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	WI	XXXXXX	XXXXXX	-5.09%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	WI	XXXXXX	XXXXXX	-5.09%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	NJ	XXXXXX	XXXXXX	-5.07%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	WA	XXXXXX	XXXXXX	-5.07%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	WA	XXXXXX	XXXXXX	-5.04%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	TX	XXXXXX	XXXXXX	-5.04%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	IL	XXXXXX	XXXXXX	-5.04%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	MA	XXXXXX	XXXXXX	-5.01%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	OR	XXXXXX	XXXXXX	-5.01%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	AZ	XXXXXX	XXXXXX	-5.00%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	NJ	XXXXXX	XXXXXX	-5.00%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	NM	XXXXXX	XXXXXX	-5.00%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	KY	XXXXXX	XXXXXX	-5.00%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	OH	XXXXXX	XXXXXX	-5.00%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	CA	XXXXXX	XXXXXX	-5.00%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	WI	XXXXXX	XXXXXX	-5.00%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	OR	XXXXXX	XXXXXX	-5.00%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	FL	XXXXXX	XXXXXX	-5.00%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	ID	XXXXXX	XXXXXX	-5.00%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	WA	XXXXXX	XXXXXX	-5.00%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	IN	XXXXXX	XXXXXX	-5.00%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	CA	XXXXXX	XXXXXX	-4.96%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	CA	XXXXXX	XXXXXX	-4.95%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	OR	XXXXXX	XXXXXX	-4.95%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	MI	XXXXXX	XXXXXX	-4.94%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	NJ	XXXXXX	XXXXXX	-4.94%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	NC	XXXXXX	XXXXXX	-4.94%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	GA	XXXXXX	XXXXXX	-4.94%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	WA	XXXXXX	XXXXXX	-4.92%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	NJ	XXXXXX	XXXXXX	-4.91%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	IL	XXXXXX	XXXXXX	-4.90%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	CA	XXXXXX	XXXXXX	-4.88%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	MA	XXXXXX	XXXXXX	-4.88%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	CO	XXXXXX	XXXXXX	-4.86%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	CA	XXXXXX	XXXXXX	-4.75%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	MA	XXXXXX	XXXXXX	-4.69%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	TX	XXXXXX	XXXXXX	-4.56%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	CO	XXXXXX	XXXXXX	-4.54%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	NJ	XXXXXX	XXXXXX	-4.54%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	CA	XXXXXX	XXXXXX	-4.47%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	VA	XXXXXX	XXXXXX	-4.47%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	AL	XXXXXX	XXXXXX	-4.45%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	TN	XXXXXX	XXXXXX	-4.44%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	KS	XXXXXX	XXXXXX	-4.36%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	CA	XXXXXX	XXXXXX	-4.36%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	ME	XXXXXX	XXXXXX	-4.36%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	MO	XXXXXX	XXXXXX	-4.32%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	OR	XXXXXX	XXXXXX	-4.32%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	TX	XXXXXX	XXXXXX	-4.32%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	RI	XXXXXX	XXXXXX	-4.31%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	FL	XXXXXX	XXXXXX	-4.30%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	AZ	XXXXXX	XXXXXX	-4.26%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	GA	XXXXXX	XXXXXX	-4.24%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	GA	XXXXXX	XXXXXX	-4.24%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	NJ	XXXXXX	XXXXXX	-4.20%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	IL	XXXXXX	XXXXXX	-4.18%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	VA	XXXXXX	XXXXXX	-4.11%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	CA	XXXXXX	XXXXXX	-4.11%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	AZ	XXXXXX	XXXXXX	-4.07%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	CO	XXXXXX	XXXXXX	-4.05%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	IN	XXXXXX	XXXXXX	-4.04%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	TX	XXXXXX	XXXXXX	-4.04%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	TN	XXXXXX	XXXXXX	-4.00%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	GA	XXXXXX	XXXXXX	-3.88%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	MA	XXXXXX	XXXXXX	-3.86%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	CT	XXXXXX	XXXXXX	-3.81%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	WI	XXXXXX	XXXXXX	-3.80%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	ME	XXXXXX	XXXXXX	-3.77%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	MA	XXXXXX	XXXXXX	-3.74%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	FL	XXXXXX	XXXXXX	-3.72%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	NM	XXXXXX	XXXXXX	-3.68%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	IN	XXXXXX	XXXXXX	-3.68%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	ME	XXXXXX	XXXXXX	-3.64%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	TX	XXXXXX	XXXXXX	-3.61%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	KY	XXXXXX	XXXXXX	-3.51%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	VT	XXXXXX	XXXXXX	-3.47%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	OR	XXXXXX	XXXXXX	-3.39%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	TX	XXXXXX	XXXXXX	-3.33%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	IN	XXXXXX	XXXXXX	-3.29%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	TX	XXXXXX	XXXXXX	-3.27%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	TX	XXXXXX	XXXXXX	-3.24%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	CA	XXXXXX	XXXXXX	-3.15%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	IN	XXXXXX	XXXXXX	-3.11%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	AR	XXXXXX	XXXXXX	-3.11%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	AR	XXXXXX	XXXXXX	-3.08%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	IN	XXXXXX	XXXXXX	-3.08%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	FL	XXXXXX	XXXXXX	-3.02%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	OR	XXXXXX	XXXXXX	-2.95%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	NJ	XXXXXX	XXXXXX	-2.80%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	AZ	XXXXXX	XXXXXX	-2.75%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	TX	XXXXXX	XXXXXX	-2.70%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	CA	XXXXXX	XXXXXX	-2.64%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	IL	XXXXXX	XXXXXX	-2.56%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	RI	XXXXXX	XXXXXX	-2.48%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	UT	XXXXXX	XXXXXX	-2.43%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	WV	XXXXXX	XXXXXX	-2.29%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	NV	XXXXXX	XXXXXX	-2.23%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	CA	XXXXXX	XXXXXX	-2.22%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	AZ	XXXXXX	XXXXXX	-2.12%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	CA	XXXXXX	XXXXXX	-2.08%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	OK	XXXXXX	XXXXXX	-2.07%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	OH	XXXXXX	XXXXXX	-2.06%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	CO	XXXXXX	XXXXXX	-2.05%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	CO	XXXXXX	XXXXXX	-2.00%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	IN	XXXXXX	XXXXXX	-1.98%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	FL	XXXXXX	XXXXXX	-1.92%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	NV	XXXXXX	XXXXXX	-1.88%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	CA	XXXXXX	XXXXXX	-1.87%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	OK	XXXXXX	XXXXXX	-1.85%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	NV	XXXXXX	XXXXXX	-1.82%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	NM	XXXXXX	XXXXXX	-1.81%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	IL	XXXXXX	XXXXXX	-1.73%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	WA	XXXXXX	XXXXXX	-1.56%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	FL	XXXXXX	XXXXXX	-1.55%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	CT	XXXXXX	XXXXXX	-1.54%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	CO	XXXXXX	XXXXXX	-1.48%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	NH	XXXXXX	XXXXXX	-1.46%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	IL	XXXXXX	XXXXXX	-1.44%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	MI	XXXXXX	XXXXXX	-1.30%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	TN	XXXXXX	XXXXXX	-1.30%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	RI	XXXXXX	XXXXXX	-1.20%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	AZ	XXXXXX	XXXXXX	-1.19%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	NC	XXXXXX	XXXXXX	-1.10%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	NJ	XXXXXX	XXXXXX	-1.09%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	MI	XXXXXX	XXXXXX	-1.00%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	TX	XXXXXX	XXXXXX	-0.85%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	ME	XXXXXX	XXXXXX	-0.79%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	SC	XXXXXX	XXXXXX	-0.77%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	MA	XXXXXX	XXXXXX	-0.73%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	CA	XXXXXX	XXXXXX	-0.71%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	MI	XXXXXX	XXXXXX	-0.56%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	RI	XXXXXX	XXXXXX	-0.48%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	KY	XXXXXX	XXXXXX	-0.48%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	MD	XXXXXX	XXXXXX	-0.40%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	MO	XXXXXX	XXXXXX	-0.28%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	IL	XXXXXX	XXXXXX	-0.27%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	MN	XXXXXX	XXXXXX	-0.26%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	NC	XXXXXX	XXXXXX	0.03%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	NC	XXXXXX	XXXXXX	0.13%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	OK	XXXXXX	XXXXXX	0.42%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	WA	XXXXXX	XXXXXX	0.66%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	UT	XXXXXX	XXXXXX	0.79%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	MD	XXXXXX	XXXXXX	0.81%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	ME	XXXXXX	XXXXXX	0.82%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	NV	XXXXXX	XXXXXX	0.94%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	NM	XXXXXX	XXXXXX	1.01%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	IL	XXXXXX	XXXXXX	1.03%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	IL	XXXXXX	XXXXXX	1.09%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	CO	XXXXXX	XXXXXX	1.11%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	WA	XXXXXX	XXXXXX	1.27%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	VA	XXXXXX	XXXXXX	1.38%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	FL	XXXXXX	XXXXXX	1.53%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	TX	XXXXXX	XXXXXX	1.65%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	WA	XXXXXX	XXXXXX	1.88%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	CA	XXXXXX	XXXXXX	1.95%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	CO	XXXXXX	XXXXXX	2.00%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	AZ	XXXXXX	XXXXXX	2.57%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	NY	XXXXXX	XXXXXX	2.81%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	KY	XXXXXX	XXXXXX	2.83%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	IL	XXXXXX	XXXXXX	2.86%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	NJ	XXXXXX	XXXXXX	2.98%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	GA	XXXXXX	XXXXXX	3.72%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	TX	XXXXXX	XXXXXX	3.87%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	WA	XXXXXX	XXXXXX	3.87%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	MA	XXXXXX	XXXXXX	6.00%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	CA	XXXXXX	XXXXXX	6.34%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	TN	XXXXXX	XXXXXX	7.16%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	MI	XXXXXX	XXXXXX	8.33%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	DE	XXXXXX	XXXXXX	8.84%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	TX	XXXXXX	XXXXXX	9.77%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	VA	XXXXXX	XXXXXX	9.77%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	CA	XXXXXX	XXXXXX	10.79%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	CA	XXXXXX	XXXXXX	11.11%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	IL	XXXXXX	XXXXXX	18.77%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	WA	XXXXXX	XXXXXX	19.32%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	MA	XXXXXX	XXXXXX	20.51%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	MA	XXXXXX	XXXXXX	21.99%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	NY	XXXXXX	XXXXXX	35.24%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	VA	XXXXXX	XXXXXX	35.35%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	TX	XXXXXX	XXXXXX	40.59%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	MN	XXXXXX	XXXXXX	53.79%	XXXXXXXXXXXXXXXXX	No
XXXXXXXXX	XXXXXX	XXXXXXX	OR	XXXXXX	XXXXXX	78.68%	XXXXXXXXXXXXXXXXX	No

Desk Reviews Required	Desk Reviews Completed
69	69

Loan Number	City	State	Desk Review Order Date	Desk Review Completed Date	Desk Review Value
XXXXXXXXX	XXXXXXXXXXXXX	FL	9/21/2018 5:42:02 PM	9/21/2018 5:42:02 PM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	CA	8/20/2018 3:53:41 PM	8/21/2018 2:26:22 PM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	MI	8/20/2018 3:54:03 PM	8/22/2018 3:54:17 PM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	HI	8/20/2018 3:53:57 PM	8/20/2018 7:44:11 PM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	ID	8/20/2018 3:53:38 PM	8/22/2018 3:56:17 PM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	CA	7/18/2018 4:47:44 PM	7/19/2018 11:12:12 AM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	MI	7/18/2018 4:47:49 PM	7/19/2018 10:46:16 AM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	FL	7/18/2018 4:47:46 PM	7/19/2018 4:10:15 PM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	FL	7/18/2018 4:48:02 PM	7/19/2018 4:20:16 PM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	TX	7/18/2018 4:47:36 PM	7/20/2018 9:22:22 AM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	TX	7/18/2018 4:47:54 PM	7/20/2018 9:46:23 AM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	TX	7/18/2018 4:47:55 PM	7/20/2018 10:12:21 AM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	GA	7/18/2018 4:47:48 PM	7/20/2018 2:54:17 PM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	GA	7/18/2018 4:48:01 PM	7/20/2018 4:46:20 PM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	KY	7/18/2018 4:47:42 PM	7/20/2018 5:38:30 PM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	MD	7/18/2018 4:47:52 PM	7/21/2018 9:54:15 AM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	MA	7/18/2018 4:47:41 PM	7/21/2018 10:22:22 AM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	MA	7/18/2018 4:47:45 PM	7/21/2018 10:24:15 AM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	NH	7/18/2018 4:47:37 PM	7/21/2018 10:42:19 AM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	PA	7/18/2018 4:47:40 PM	7/22/2018 5:58:14 PM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	VA	7/18/2018 4:47:58 PM	7/23/2018 9:48:16 AM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	ME	7/18/2018 4:47:35 PM	7/23/2018 11:02:15 AM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	CT	7/18/2018 4:47:59 PM	7/23/2018 11:08:19 AM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	NJ	7/18/2018 4:47:53 PM	7/23/2018 11:10:20 AM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	CA	7/18/2018 4:47:51 PM	7/23/2018 12:32:27 PM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	AR	7/18/2018 4:47:56 PM	7/23/2018 1:36:17 PM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	MN	7/18/2018 4:47:43 PM	7/23/2018 6:14:14 PM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	MT	7/18/2018 4:47:39 PM	7/25/2018 8:30:19 AM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	HI	8/20/2018 3:54:05 PM	8/20/2018 8:10:18 PM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	CA	8/20/2018 3:53:39 PM	8/21/2018 9:08:11 AM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	VA	8/20/2018 3:53:52 PM	8/21/2018 10:32:09 AM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	GA	8/20/2018 3:53:58 PM	8/21/2018 11:48:34 AM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	OH	8/20/2018 3:53:44 PM	8/21/2018 12:32:10 PM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	OH	8/20/2018 3:53:55 PM	8/21/2018 1:56:11 PM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	OK	8/20/2018 3:54:04 PM	8/21/2018 3:32:18 PM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	HI	8/20/2018 3:53:37 PM	8/22/2018 10:44:10 AM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	AZ	8/20/2018 3:54:10 PM	8/22/2018 11:00:10 AM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	OH	8/20/2018 3:54:02 PM	8/22/2018 12:14:23 PM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	IL	8/20/2018 3:54:10 PM	8/22/2018 3:00:11 PM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	TX	8/20/2018 3:54:01 PM	8/22/2018 3:50:25 PM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	CO	8/20/2018 3:53:53 PM	8/22/2018 8:54:15 PM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	MO	8/20/2018 3:53:54 PM	8/22/2018 8:56:15 PM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	IL	8/20/2018 3:53:47 PM	8/23/2018 11:38:21 AM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	PA	8/20/2018 3:53:56 PM	8/23/2018 1:26:41 PM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	NH	8/20/2018 3:53:44 PM	8/23/2018 3:20:42 PM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	AR	8/20/2018 3:53:50 PM	8/24/2018 9:48:20 AM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	IL	8/20/2018 3:53:43 PM	8/24/2018 12:14:17 PM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	IL	8/20/2018 3:54:08 PM	8/24/2018 2:20:35 PM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	DE	8/20/2018 3:53:48 PM	8/24/2018 3:30:17 PM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	GA	8/20/2018 3:53:49 PM	8/24/2018 4:44:25 PM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	CO	8/20/2018 3:54:07 PM	8/24/2018 6:12:36 PM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	TN	8/20/2018 3:54:09 PM	8/24/2018 6:14:13 PM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	AR	8/20/2018 3:53:51 PM	8/24/2018 7:24:36 PM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	MN	8/20/2018 3:53:36 PM	8/27/2018 4:30:31 PM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	WA	9/21/2018 5:42:11 PM	9/21/2018 5:42:11 PM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	CA	9/21/2018 5:42:03 PM	9/21/2018 5:42:03 PM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	PA	9/21/2018 5:42:20 PM	9/21/2018 5:42:20 PM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	NC	9/21/2018 5:42:23 PM	9/21/2018 5:42:23 PM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	SC	9/21/2018 5:42:24 PM	9/21/2018 5:42:24 PM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	NJ	9/21/2018 5:42:12 PM	9/21/2018 5:42:12 PM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	RI	9/21/2018 5:42:04 PM	9/21/2018 5:42:04 PM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	CO	9/21/2018 5:42:15 PM	9/21/2018 5:42:15 PM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	KS	9/21/2018 5:42:16 PM	9/27/2018 12:44:34 PM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	ME	9/21/2018 5:42:19 PM	9/26/2018 9:09:02 PM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	IL	9/21/2018 5:42:18 PM	9/27/2018 12:44:34 PM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	AK	9/21/2018 5:42:22 PM	9/27/2018 11:15:33 AM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	OH	9/21/2018 5:42:26 PM	9/26/2018 11:14:25 PM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	HI	7/18/2018 4:47:50 PM	7/19/2018 1:54:12 PM	$XXX,XXX.XX
XXXXXXXXX	XXXXXXXXXXXXX	OH	8/20/2018 3:53:40 PM	8/22/2018 1:16:17 PM	$XXX,XXX.XX

Original Appraisal (OA) Value	Desk Review Variance Amount	Desk Review Variance Percentage	Desk Review Link	Field Review Required (Yes/No)
$XXX,XXX.XX	$XXX,XXX.XX	-6.72%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	-6.36%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	-6.06%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	-3.53%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	-0.75%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	-0.38%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.00%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	0.19%	XXXXXXXXXXXXXXXXXXXXXXXX	No
$XXX,XXX.XX	$XXX,XXX.XX	3.39%	XXXXXXXXXXXXXXXXXXXXXXXX	No

ADI Reviews Required	ADI Reviews Completed
2	2

Loan Number	City	State	ADI Order date	ADICompleted Date	ADI Review Value	Original Appraisal (OA) Value	ADI Review Variance Amount	ADI Review Variance Percentage	ADI Review Link	Analysis Comments
XXXXXXXXX	XXXXXXXXX	IN	7/18/2018 4:50:23 PM	8/1/2018 11:26:13 AM	XXXXXX	XXXXXX	XXXXXX	-4.84%	XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX
XXXXXXXXX	XXXXXXXXX	OR	8/30/2018 10:50:23 AM	9/11/2018 9:32:55 AM	XXXXXX	XXXXXX	XXXXXX	-17.86%	XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

Field Reviews Required	Field Reviews Received	Field Reviews Cancelled
0	0	0

Loan Number City State Field Review Order Date Field Review Due Date Field Review Completed Date Original Appraisal (OA) Value Field Review Value Field Review Variance Increased Fee Approval Notes/Comments Sample Date