ABS-15G

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM ABS-15G

ASSET-BACKED SECURITIZER

REPORT PURSUANT TO SECTION 15G OF

THE SECURITIES EXCHANGE ACT OF 1934

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

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

Date of Report (Date of earliest event reported): ______________

Commission File Number of securitizer:       ______________

Central Index Key Number of securitizer:      ______________

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

contact in connection with this filing.

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

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

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

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

Central Index Key Number of depositor: 0001859852

Central Index Key Number of sponsor: N/A

UWM Mortgage Trust 2021-INV1

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

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

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

Andrew Hubacker, (248) 833-4991Name and telephone number, including area code, of the person to

contact in connection with this filing.

INFORMATION TO BE INCLUDED IN THE REPORT

Item 2.01. Findings and Conclusions of a Third Party Due Diligence Report Obtained By the Issuer

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

SIGNATURES

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

Dated: July 21, 2021

UWM DEPOSITOR, LLC (Securitizer)
By:	/s/ Alex Elezaj
	Name:	Alex Elezaj
	Title:	Vice President

EXHIBIT INDEX

Exhibit Number

99.1	Wipro Opus Risk Solutions, LLC (“Opus”) Due Diligence Narrative Report
99.2	Opus ATR Report
99.3	Opus Exception Report
99.4	Opus Rating Agency Grades Report
99.5	Opus Data Compare Report
99.6	Opus Valuation Report
99.7	Opus Value Only Report

EX-99.1

UWM Mortgage

Trust 2021-INV1

Wipro Opus Risk Solution LLC

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Executive Narrative

July 19, 2021

Performed by

Wipro Opus Risk Solutions LLC

For

United Wholesale Mortgage, LLC

This report summarizes the results of a full credit, compliance and value review and a separate value review performed for United Wholesale Mortgage, LLC (“Client). The Client provided Wipro Opus Risk Solutions, LLC (“Consultant”) with a data tape of 1,290 loans for the full credit, compliance, and value review. The Client requested the Consultant select a random sample of 40%, or 515 of the loans presented for the full credit, compliance, and value review. The Client presented the loan in six separate deliveries and the Consultant randomly selected the loans for the full credit, compliance, and value review from each delivery. The loans were loaded into the Paragon® underwriting software. The Client directed the Consultant to report the results on the full credit, compliance, and value review on 479 loans. Thirty-Six (36) loans were removed from the full credit, compliance, and value review. The scope, loan numbers and results of the full credit, compliance and value review are contained in Exhibit A.

As detailed herein, the 479 loans are non-owner occupied and eligible for GSE delivery. For credit, the loans were re-underwritten in accordance with Fannie/Freddie AUS and the supporting Fannie/Freddie guidelines.

The Client directed the Consultant to perform a valuation only review on the loans not selected for the full credit, compliance and value review. The value only review started with a population of 775 loans. Forty-Six (46) loans were removed from the final valuation review pool of 729 loans. The 729 loans were tested to a value waterfall beginning with a Collateral Underwriter Risk Score of 2.5 or less would not require secondary valuation product. On loans with Collateral Underwriter Risk Score of greater than 2.5 or no CU score, an AVM or a desk review was ordered as required by the value waterfall. If the final value product in the value waterfall supported the appraised value within a 10% variance or Collateral Underwriter Risk Score of 2.5 or less, a final value grade “A” was assigned. The scope, loan number and results of the value only review are contained in Exhibit B.

Wipro Opus Risk Solutions LLC was established in 2005. Wipro Opus Risk Solutions LLC was acquired in January 2014 by Wipro Ltd, a global information technology, consulting, and outsourcing company.

The review started on May 17, 2021 and ended on July 1, 2021.

Exhibit A

Credit Review

1)  Credit Qualification

A re-underwriting review will be conducted in order to verify that the requisite underwriting guidelines as specified by Client are met. Confirmation of the loan terms will be performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review will consist of the following:

a)  Guidelines

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Determine whether each mortgage loan meets the requisite guideline requirements as specified by the Client. In lieu of specific requirements, Consultant should consider Regulation Z including Appendix Q if applicable. If the loan pre-dates the requirements of Regulation Z and Appendix Q, Consultant will consider Fannie Mae’s Single-Family guidelines.

b)  Employment

Review the file documentation for minimum required level of employment, income and asset verifications pursuant to Client provided underwriting guidelines.

c)  Income

Recalculate borrower(s) monthly gross income and verify calculations of income as used by the original loan underwriter at origination to determine compliance with the Client provided underwriting guidelines.

D  Assets

Confirm the presence of adequate asset documentation to comply with the Client provided underwriting guideline requirements for closing funds, reserves and borrower liquidity.

e)  Debt Ratio

Recalculate the debt to income ratio and verify the ratio accuracy used by the loan underwriter at origination to determine compliance with Client provided underwriting guidelines and regulatory requirements.

f)  Property Valuation

Analyze all appraisals and alternative value tools used to qualify the loan for integrity of comparable sales, completeness of data, eligibility of the appraiser and reasonableness of estimated value. Review the appraisal to determine the appraisal(s) meet the requirements of Client provided underwriting guidelines.

g)  Loan-to-Value Ratio

Recalculate and verify the loan-to-value ratio and combined loan-to-value ratio were accurate at origination and meet Client provided underwriting guideline and regulatory requirements.

h)  Credit History

Review the credit report to verify that the borrower(s) demonstrate adequate credit depth to comply with the Client provided underwriting guideline requirements.

i)  Credit Scores

Verify that borrower(s) meet minimum credit score requirements of the Client provided underwriting guidelines

j)  Compensating Factors

Verify exceptions to the Client provided underwriting guidelines are documented and reasonable.

Document Review

1)  Document Review

A review of each loan file will be performed to confirm the presence of material documentation as applicable to the specifics of the loan transaction. The Document Review will consist of the following:

a)  Collateral Docs

i)  Title Commitment / Policy

Verify the presence of the title commitment or final title policy. Confirm vested parties and the description of the property, liens and tax assessments.

ii)  Mortgage Note / Security Instrument

Verify the presence of the mortgage note or security instrument. Confirm that the document has been executed by all borrowers and that all riders, addendums and endorsement are present and duly executed.

iii)  Mortgage / Deed of Trust

 Verify the presence of a copy Mortgage or Deed of Trust. Confirm that the documents have been executed by all required parties and that all riders, addendums and exhibits are present and duly

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executed. If the loan closed within 12 months of the review, Consultant will confirm the presence of a letter from the title company specifying the date the Mortgage / Deed Trust was sent for recording. If the closing did not occur within 12 months of the review and a copy of the recorded Mortgage /Deed of Trust is not contained in the loan file, the Client will submit a report from an independent document custodian verifying the presence of a recoded mortgage or a stamped / signed copy of the document stating the date the document was sent for recording.

iv)  Conveyance Deed

Verify as applicable that a proper conveyance deed is present in the loan file. Confirm the proper transfer of ownership interest of the subject parties is detailed on the deed.

b)  Closing Docs

i)  Final Hud-1 Settlement Statement

If required, verify the presence of a final HUD-1. Verify the completeness of required data and signatures or certification depending upon state compliance requirements.

ii)  Final Truth-in-Lending Disclosure

If required, verify the presence of a final Truth-in-Lending Disclosure. Verify the completeness of required data and that all required signatures are present.

iii)  Notice of Right to Cancel

If required based on the specifics of the loan transaction, confirm the presence and required execution of the Notice of Right to Cancel.

iv)  Loan Estimate

If required verify the presence of the current Loan Estimate (LE) at the time of origination

v)  Closing Disclosure

If required verify the presence of the current Closing Disclosure (CD) at the time of origination.

c)  Credit Docs

i)  Loan Application

Verify the presence and completeness of both the initial and final loan applications.

ii)  Underwriting Worksheet

Verify the presence of the relative underwriting worksheet i.e. form 1008, FHA MCAW and VA’s Loan Analysis.

iii)  Credit Report

Verify the presence of a credit report for each borrower. Confirm that the credit report was pulled within the timing requirements allowable per the Client provided underwriting guidelines.

iv)  Housing Payment History

In the absence of housing payment histories on the borrower(s) credit report(s), verify that that the file contains a verification of rent or a verification of mortgage form.

v)  Letters of Explanation

When Letters of Explanation are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

vi)  Gift Letters

When Gift Letters are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

vii)  Income Documentation

Verify the presence of income and employment related documentation required by the Client provided underwriting guidelines for all borrowing parties contributing income to the debt ratio calculation.

viii)  Asset Documentation

Verify the presence of asset documentation required by the Client provided underwriting guidelines in the loan file.

ix)  Property Valuation Tools

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Verify that each loan file contains adequate appraisal and other third party valuation tools to satisfy the minimum required documentation under the relative Client provided underwriting guidelines.

x)  Proof of Insurance

Verify the presence of insurance certificates for mortgage, hazard and flood insurance on an as needed basis depending upon the specifics of the loan. Confirm that adequate coverage is present to meet the requirements of the Client provided underwriting guidelines.

Regulatory Compliance Review

Each mortgage loan file will be subject to a post-closing regulatory compliance review to verify that each mortgage loan closed in compliance with the applicable federal, state and local anti-predatory lending statutes in effect at the time of origination of the Mortgage Loan and that the loans meet the applicable disclosure requirements provided under (i) the federal Truth in Lending Act (“TILA”), as implemented by Regulation Z, 12 C.F.R. Part 1026; (ii) Section 4 of the Real Estate Settlement Procedures Act (“RESPA”), as implemented by Regulation X, 24 C.F.R. Part 3500; (iii) the National Flood Insurance Act, (iv) the disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations; and (v) the disclosure requirements and prohibitions of the applicable state, county and municipal laws and ordinances enacted to combat predatory lending.

a)  Federal Truth in Lending Act/Regulation Z:

A review of the material compliance disclosures set forth in Reg Z, as amended, including the Truth in Lending Disclosure and the Notice of Right-to-Cancel, if applicable; and a review and comparison of the material disclosures with a report outlining any TILA violations. This includes a re-calculation of disclosed finance charge [§1026.18(d)], proper execution by all required parties [§1026.17(b)], principal and interest calculations [§1026.18(s)], payment stream(s), recalculation of disclosed APR [§1026.22], and a review to ensure disclosure differences are within the allowed tolerances [§1026.18(d) and §1026.23(g)]. A review of the Notice of Right to Cancel (§1026.15 / §1026.23): Review includes a verification of the transaction date and expiration date, ensures proper execution of the Notice of Right to Cancel by all required parties verifies the disbursement date and determines if a full 3 day rescission period was adequately provided to the borrower(s).

b)  Business Days as Defined by Regulation Z:

General business day is defined as the days on which a creditor’s offices are open to the public for carrying on substantially all of its business functions excluding Sundays and holidays specified by §1026.2(a)(6). Specific business day is defined as all calendar days (Monday through Saturday) excluding Sundays and holidays specified by 5 U.S.C. 6103(a)

c)  MDIA (Mortgage Disclosure Information Act) - Applications Dated After 07/30/2009 and Prior to 10/03/2015):

i)  Initial Delivery: Creditor must deliver the Initial Disclosures within 3 “general” business days of application

ii)  No Pre-disclosure Fees: Creditor may not charge fees, other than credit report fee, prior to borrower receiving the Initial Disclosures

iii)  7 Day Waiting Period: Creditor must deliver the Initial Disclosures more than 7 “specific” business days prior to closing

iv)  3 Day Waiting Period: Creditor must issue revised disclosures if APR in initial disclosures becomes inaccurate. Closing may not occur until the 3rd “specific” business day after the consumer receives the corrected disclosures.

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v)  APR on Final TIL: APR on Final TIL must be within tolerance 1/8 or ¼ of percent difference in APR based on regular or irregular payment stream.

d)  Home Ownership Equity Protection Act (HOEPA) testing, to include:

i)  APR test [HOEPA (§1026.32(a)(1))] and [HPML(§1026.35(a)(1))]

ii)  Points and Fees test [HOEPA (§1026.32(a)(2))]

iii)  Review of HOEPA disclosure (§1026.32(c)) for accuracy(i.e. payment stream, highest payment scenario; dates disclosed, dates acknowledged)

iv)  Review and confirm documentation type (i.e. full, stated, no ratio)

v)  Review for evidence of prepayment penalty

vi)  Verification of Debt to Income conformity, when necessary.

HOEPA (Section 32) loan coverage has been expanded to include purchase-money mortgages and open-end credit plans (i.e., home equity lines of credit or HELOCS), as well as the amendment of rate and points and fees threshold testing. Consultant system requirements have been updated to address the expansion of coverage as well as amendments to threshold testing. In addition, there is a home ownership counseling requirement to be verified for all covered loans.

e)  RESPA/Regulation X (Loans with an Application Date prior to 10/03/2015):

Each mortgage loan will be reviewed to ensure compliance with the January 1, 2010, or most current amendments to Regulation X. The RESPA/Regulation X review will consist of the following:

i)  Good Faith Estimate (GFE):

ii)  Consultant will confirm compliance with current RESPA requirements in effect at origination of the Mortgage Loan including:

iii)  Confirm the presence of the current GFE form in effect at the time of origination.

iv)  Verify the GFE was provided to the borrower(s) within three days of “Application”.

v)  Application shall be defined by Regulation X and generally be considered complete when the following seven conditions are met:

(1) Borrower(s) First and Last Name

(2) Borrower(s) Social Security Number (to enable the loan originator to obtain a credit report)

(3) Subject Property Address (including “To Be Determined”)

(4) Mortgage Loan Amount Sought

(5) Estimation of Property Value

(6) Monthly Income

(7) Any other requirement as defined in the lender’s policies and procedures

vi)  Consultant will verify that all Broker fees, including Yield Spread Premium (“YSP”) were accurately disclosed and reflected in the appropriate locations.

vii)  Fees will be reviewed to ensure they are reasonable and customary fees for the lender and title and escrow companies and that those fees were accurately disclosed on the GFE and were reflected in the proper location on the document.

viii)  Analysis to determine whether a Changed Circumstance form is required to accompany each revised Good Faith Estimate (GFE)

ix)  Change of Circumstance Definition:

(1) Acts of God, war, disaster or other emergency;

(2) Information particular to borrower or transaction that was relied on in providing the GFE and that changes or is found to be inaccurate after GFE has been provided to borrower;

(3) New information particular to the borrower or transaction that was not relied on in providing the GFE; or

(4) Other circumstances that are particular to borrower or transaction, including boundary disputes, need for flood insurance or environmental problems

(5) In the event any of the above occurs, the loan originator is required to provide a new revised GFE to the borrower within 3 business days of receiving information sufficient to establish “changed circumstances” and document the reason the revised GFE was provided.

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(6) Rate Locks: If the rate has not been locked by the borrower or a locked rate has expired, the charge or credit for rate chosen, adjusted origination charges, per diem interest and loan terms related to the rate may change. If borrower later locks the rate, a new GFE must be provided showing the revised rate-dependent charges and terms. All other charges and terms must remain the same as on the original GFE, except as otherwise provided above for “changed circumstances.”

x)  Final HUD-1: Consultant will confirm compliance with current RESPA requirements in effect at origination of the Mortgage Loan including:

(1) Confirm the presence of the current applicable Final HUD-1 form

(2) Confirm the Final HUD-1 accurately lists all broker and YSP fees.

xi)  Good Faith Estimate (GFE ) and Final HUD-1 Analysis: Confirm compliance with current RESPA requirements in effect at origination of the Mortgage Loan including:

(1)  Analysis of Origination fees disclosed on the Good Faith Estimate (GFE) and those charged to the borrower(s) on the Final HUD-1 (no variance) - No variance for the following charges:

(a) Origination Charge

(b) Credit or Charge for Interest Rate Chosen

(c) Adjusted Origination Charge

(d) Transfer Taxes

(2) Analysis of Third-Party fees disclosed on the Good Faith Estimate (GFE) and those charged to the borrower(s) on the Final HUD-1 (10% tolerance) - 10% tolerance between GFE and actual charges at settlement for sum of following services:

(a) Lender-required settlement services (lender selects third-party provider);

(b) Lender-required services, title services and required title insurance, and owner’s title insurance, when the borrower uses a settlement service provider identified by the loan originator; and

(c) Government recording charges

xii)  Analysis to confirm all fees are accurately reflected in the correct tolerance category on the Good Faith Estimate (GFE) and Final HUD-1

xiii)  Analysis to confirm lender accurately provided borrower adequate restitution in the event of tolerance violations and timelines for restitution/document correction were adhered to

xiv)  Analysis to confirm loan terms are accurately disclosed between the Good Faith Estimate (GFE) and Final HUD- 1

xv)  Analysis to confirm page 3 of the HUD-1 accurately reflects fees disclosed on the Good Faith Estimate (GFE) and Final HUD-1

f)  QM / ATR (Qualified Mortgage / Ability to Repay) Dodd Frank Review (Loans with Application Date on or after 01/10/2014)

i) Ability-to-Repay:

(1) Consultant will incorporate checkpoints for the ATR’s eight verification steps for any origination QC work. Consultant has the option to run ATR checks on any transactions subject to QM that falls outside the ability to meet QM guidelines, whether due to coverage exceptions or due to failing QM criteria. Thus, any transaction that is being tested for QM will also have the ability to be screened for ATR if the QM testing fails or the loan is exempt from QM.

(2) Consultant is required to verify all information within the scope of the eight verification steps before an ATR loan can pass. These eight tests include verifications of any amounts used in the loan consideration and a page(s) reference to the third party records/documentation/images:

(a) Income and assets

(b) Current employment status

(c) Monthly qualifying mortgage payment for the proposed loan

(d) Monthly qualifying mortgage payment for the simultaneous loan on the same property payments for taxes, insurance and HOA, etc.

(e) Debts, alimony and child support

(f) Qualifying monthly DTI and residual income

(g) Credit history

(3) If all of the verifications are made and each of the eight topic areas is confirmed to agree with the representations made by the lender, and there are no credit exceptions to the lender’s guidelines, the loan will

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pass the ATR test. If any of the conditions fail or the loan lacks the documentation to support the stated values in any of the areas, affected items will not be considered verified and the loan will be subject to failing the ATR test.

(4) ATR results will be reported as ATR-Pass, ATR-Fail and ATR-Exempt. This is in addition to the existing credit and compliance related reporting by Consultant.

ii) Qualified Mortgage

Consultant has built edits and system processes to evaluate whether a loan meets the requirements of the Qualified Mortgage regulations. There are 4 different Qualified Mortgage subtypes; Qualified Mortgage (QM), Temporary QM (TQM), Small Creditor QM (SCQM) and Small Creditor Balloon QM (BQM). While regulations carve out special guidance on small creditor originations, Consultant will not be reviewing any additional documentation required to certify a small creditor and will test all files against either QM or TQM. All QM loan types must meet the following conditions:

(1) No Negative Amortization and no interest only payments

(2) No loan terms to exceed 30 years

(3) Threshold test for Points and Fees of less than or equal to 3.00% of the total loan amount (there are five levels of testing including four for loan amounts under $100,000)

(4) Only documented verifications may be used to qualify the application (all loans are full documentation)

The differentiation in testing for QM and TQM is in following a debt-to-income threshold of 43.00% for QM versus meeting the underwriting guidelines from the designated agency (GSE, HUD, FHA, USDA, etc.) for TQM. For the creditor, originating a loan under TQM parameters provides for greater flexibility in qualifying an applicant whose debt-to-income may exceed 43% and still passes the guidelines of the agency.

iii) QM DTI Testing

The new debt-to-income threshold of 43.00% applies to any QM loan. The calculation will include new requirements for calculating the QM Loan Payment and Simultaneous Loan Payment with different rules for fixed rate fixed term and variable rate loans. Those two calculated values are included in the new QM debt-to-income test. In addition, only verified amounts will be included in the QM debt-to-income test-verified income and assets, loan and simultaneous loan payments, insurance, taxes and HOA, alimony, child support and open debts. The calculated value will be the verified debts divided by the verified income represented as a ratio, with amounts less than or equal to 43.00% passing, and anything above 43.00% failing. Failing this test also results in returning an overall QM status of Fail.

iv) TQM Guideline Testing

For GSE/HUD/FHA directed loans, the testing standard is to fail any application that does not meet the appropriate credit guidelines. The guidelines are not set by regulation and may include a higher debt-to-income threshold. The guidelines include:

(1) LTV / CLTV

(2) DTI – using the same calculation guidelines as QM

(3) Credit Score

(4) Reserves

(5) Maximum Loan Amount

(6) Maximum Cash Out

(7) Disposable Income

Threshold failures will either be greater than the guideline or less than the guidelines as appropriate.

Note: A failure identified within the guidelines may result in a Fail condition for qualifying the loan as a TQM, even when the debt-to-income calculation would not exceed the 43.00% DTI level, such as a low credit score or a high loan-to-value ratio. Consultant will note the TQM failure. Customized reporting is available to support Customer requirements for specific loan conditions.

v) Points and Fees Testing

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(1) All loans seeking QM/TQM status need to pass the points and fees testing guidelines. QM Points and Fees testing will be done under the same approach as points and fees testing under HOEPA regulations, including the six components below subject to specific guidance for inclusion or exclusion:

(a) Finance charge - Third-party services included, if Consultant is unable to determine “bona fide” status from normal file documentation. Exceptions may require additional documentation to be provided. The same treatment goes for “bona fide discount points” if documentation is not present in file. Consultant and Client will agree on how “bona fide” is determined in order for Client to then be able to provide such documentation in each file where applicable.

(b) Loan originator compensation – Compensation/YSP known at the time of the consummation will be included but Consultant does not review lender or broker compensation programs as part of its QM testing.

(c) Real estate-related fees

(d) Premiums for credit insurance, credit property insurance, and other insurances where the creditor is the beneficiary, debt cancellation or suspension coverage payments

(e) Maximum prepayment penalty

(f) Prepayment penalty paid in a refinance.

(2) In addition, the calculation is built based on the note amount with different thresholds above the 3.00% level for amounts less than $100,000 adjusted annually:

(a) 3 percent of the total loan amount for a loan greater than or equal to $100,000

(b) $3,000 for a loan greater than or equal to $60,000 but less than $100,000

(c) 5 percent of the total loan amount for a loan greater than or equal to $20,000 but less than $60,000

(d) $1,000 for a loan greater than or equal to $12,500 but less than $20,000

(e) 8 percent of the total loan amount for a loan less than $12,500

vi) QM/ATR Reporting

For QM/TQM testing, the results of the debt-to-income test (QM) or guideline review (TQM) and the Points and Fees test will result in the following available compliance conditions as requested by the rating agencies:

(1) QM – NonHPML [QM or TQM – Pass / HPML – No]

(2) QM – HPML [QM or TQM – Pass / HPML – Yes]

(3) NonQM – Compliant [QM or TQM – Fail, Exempt / ATR – Compliant]

(4) NonQM – Non-compliant [QM or TQM – Fail, Exempt / ATR – Noncompliant]

(5) Not Covered – Exempt [QM or TQM – Exempt / ATR – Exempt]

As with ATR testing, these QM results are in addition to the existing credit and compliance related reporting currently performed by Consultant. Customized reporting is available based on mutual agreement on individual Customer needs.

vii) HPML Testing – QM APR

Current testing for HPML will now be performed using one of two formulas, normal QM and FHA TQM. For QM, a loan will be considered a Higher Priced Mortgage Loan if the APR exceeds the Average Prime Offer Rate by 1.50% or more percentage points on conforming First Liens and 3.50% or more percentage points on Second Liens. For FHA TQM, the formula is modified to be the Average Prime Offer Rate plus 1.15%, plus the monthly MI premium factor.

viii) Escrow Requirement

Loans that fall under the guidelines of a Higher Priced Mortgage Loan (HPML) will require escrow accounts to be in place for the first five years of the transaction. A loan will be considered a Higher Priced Mortgage Loan based on the guidelines shown above (HPML Testing – APR)

ix) HPML Appraisal Rule

An HPML designation also requires additional appraisal requirements. A loan will be considered a Higher Priced Mortgage Loan under the HPML Appraisal Rule if the APR exceeds the Average Prime Offer Rate by 1.50% or more percentage points on Conforming First Liens, 2.50% for Jumbo First Liens and 3.50% or more percentage points on Second Liens. Requirements include:

(1) Three (3) day disclosure from application of the right to a free copy

(2) Written appraisal from certified or licensed appraiser

(3) Interior inspection

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(4) Delivery of copies no later than 3 days prior to consummation

(5) If the property falls under the ‘flipping’ definition, a second appraisal is required and must document:

(a) The difference in the original sales price and the subsequent sales price

(b) Changes in market conditions

(c) Property improvements

There is additional responsibility for providing copies of ALL documentation used in the valuation of the property, not just the final appraisal, and requirements for full appraisals, versus other forms of valuations. System enhancements have also been made to require verification of documentation and acknowledgement by the reviewer of evidence supporting the new requirements.

g) National Flood Insurance Program (NFIP)

Each mortgage loan made by an FDIC-supervised institution or servicer acting on its behalf shall require the escrow of all premiums and fess for flood insurance for any designated loan secured by residential improved real estate or a mobile home, made, increased, extended or renewed on or after January 1, 2016.

i) Frequency – Payable with same frequency as payments designated for the loans

ii) Exceptions

(1) Loan is an extension of credit primarily for business, commercial or agricultural purposes

(2) Loan is in a subordinate position to a senior lien secured by the same residential improved real estate or mobile for which the borrower has obtained flood insurance

(3) Flood Insurance coverage for the residential real estate is provided by a policy that

(a) Meets requirements

(b) Provided by a condominium association, cooperative or other applicable group and

(c) The premium for which is paid by the condominium associate, cooperative, homeowners association, or other group as a common expense.

h) Regulatory Compliance Disclaimer

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

Please be further advised that Consultant does not employ personnel who are licensed to practice law in various jurisdictions, and the findings set forth in the reports prepared by Consultant do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Consultant. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including potential liability related to the purchase or other transaction involving any such loans, shall be made solely by the Client, or other agreed upon party, that has engaged Consultant to prepare its reports pursuant to its instructions and guidelines. Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Consultant are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use.

i) Seasoning and Certain Compliance Exceptions

Pursuant to the applicable NRSRO criteria, Consultant graded certain compliance exceptions as non-material based on seasoning of the mortgage loan. Certain mortgage loans were seasoned beyond the applicable period under TILA in which affirmative claims could be brought by a consumer. The time period is not limited for claims, other than recession, which are raised as a defense to foreclosure. Information contained in any Consultant reports related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise

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allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual loan.

TRID Review

1) TILA RESPA Integrated Disclosure Statement Of Work

i) Eligibility

The following criteria are used in determining whether TRID applies:

(1) The Application Date is October 3, 2015, or later (the earlier of the date the broker or lender received the borrower’s application).

(2) The Loan Purpose and Property Type includes a closed-end mortgage secured by real estate:

(a) Purchase

(b) Refinance (Cash Out or Rate Term)

(c) Construction and Construction to Permanent Financing

(d) SFR, 1-4 Unit, PUD, Condo and Coops (Coop may be excluded based on Client instructions)

(3) The Loan Purpose and Property Type does not include:

(a) HELOCs

(b) Reverse mortgages

(c) Dwellings that are not attached to real property

(d) Mobile homes, where the consumer does not own the land,

(4) For purposes of determination of Occupancy, TRID applies to loans for owner occupied, second home and vacant land.

(5) Opus will apply the standard exemptions from TILA, i.e., business purposes loans, loans for agricultural purposes and loans secured by five (5) or more units.

(a) Please be aware that TILA contains a TRID-specific exemption for certain subordinate lien loans for the purposes of various types of assistance programs such as down payment or closing cost, property rehabilitation, energy efficiency or foreclosure avoidance or prevention. Opus CMC will not test such loans for TRID compliance.

ii) Loan Estimate (″LE″)

(1) Initial LE

(a) Verification of compliance with timing requirements as to whether the Initial LE was delivered within three (3) business days from the Application Date. The Initial LE shall use the delivery date to calculate the earliest closing Consummation Date (no less than seven (7) business days from the delivery of the Initial LE). The delivery date is the date the creditor hand delivers the disclosures or places the disclosures in the mail, 1026.19(e)(1).

(b) If the LE does not contain a signature line for the consumer’s confirmation of receipt, then OPUS will look for the “Loan Acceptance” statement under “Other Considerations” or other client-documented acknowledgement and borrower intent to proceed.

(c) Verification that the correct form is used and all sections of the Initial LE are completed (no blanks, “NA’s” or incomplete sections) and the Initial LE is accurate as follows:

(d) Verification of the technical formatting of the LE is NOT included in the standard review. The formatting of the document is the responsibility of the document preparation source.

(e) General loan information and loan terms sections completed and formatting is accurate.

(i) Verify loan term, purpose, and product descriptions follow the prescribed format.

(ii) Verify all applicants applying for credit, as disclosed on the application, are listed on the LE

(f) “Can this amount increase after closing?” and “Does the loan have these features” sections are completed and are accurate based on the terms disclosed on the LE.

(g) If rate is locked, were lock expiration date, time and time zone disclosed.

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(h) Settlement charges good through date, time and time zone disclosed with minimum of 10 days during which borrower is permitted to shop knowing fees are locked during that timeframe.

(i) Projected Payments and Estimated Taxes, Insurance & Assessments sections are complete and accurate based on the loan terms and information known at the time of disclosure.

(j) The Closing Costs and Cash-to-Close sections are complete and accurate based on the information provided on page 2 of the LE.

(k) Fees disclosed properly (alphabetical order within Section with certain exceptions, and all title fees start with ″Title – ″) in Closing Cost Details section.

(l) It is recommended that an Itemization of Fees is provided for any fees disclosed as “Aggregate”. It is quite difficult to determine if the fees are disclosed properly without this information.

(m) Any addenda found in file listing ADDITIONAL fees for sections other than Section C

(n) If Interest Only Payments, Optional Payments, Step Payments, or Seasonal Payments, is Adjustable Payment (″AP″) Table disclosed and accurate based on early disclosures in the file.

(o) If ARM or Step Rate, is Adjustable Interest Rate (″AIR″) Table disclosed and accurate based on the early disclosures in the file.

(p) The Comparison section is complete and accurate as follows:

(q) In 5 Years calculations for Total of Payments (TOP) and Total Principal Paid are accurate based on the terms and fees disclosed on page 1 and 2 of the LE.

(r) APR is accurate within tolerance based on the terms disclosed on the LE

(s) Total interest Percentage (TIP) is accurate based on the loan terms disclosed on the LE.

(t) Rounding rules verified as per 1026.37(o)(4).

(u) Other Considerations Section is complete

(2) Revised LEs

(a) If there has been a revision to the LE, validate that the Revised LE is provided within three (3) days of COC, BRC or interest rate lock. Review as necessary for sufficient information to establish one of the six (6) valid reasons to reset tolerance fees set forth in TRID:

(i) Changed Circumstance affecting settlement charges

(ii) Change Circumstance affecting eligibility

(iii) Revisions requested by the consumer

(iv) Interest rate dependent charges

(v) Expiration of the LE and

(vi) Delayed settlement date on a construction loan Timing Requirement for LE 7 days prior to consummation

(3) Determination of Final Binding LE

(a) Review and analyze each LE in file to determine final Binding LE. If there is a change in loan terms, change in interest rate or increase in charges subject to variances without valid reason for a Revised LE as set forth above, findings will be cited. If a Revised LE was issued without a valid reason, the previous valid LE would be considered the Binding LE for the purposes of comparison with the Closing Disclosure. [Also see Variance Tests and Closing Disclosure for COC/BRC events disclosed after issuance of Initial CD]

(b) Verification of compliance with timing requirements that there have been no loan estimates provided to the borrower after a Closing Disclosure has been delivered, and whether the Final LE was provided at least four (4) business days prior to the closing Consummation Date.

(4) Written List of Providers (“WLSP”)

(d) If the lender places fees in the Services You Can Shop For category, verify that the file contains a WLSP provided to the borrower within three (3) business days of application. The WLSP must include at least one available provider for each service and state the consumer may choose a different provider for that service. If a written list of service providers is not provided, OPUS will assume the borrower was unable to shop and the fees will be treated as either a Zero Tolerance for non-Title fees or a 10% tolerance for Title fees. If a written list of service providers is provided outside of three (3) days of the application date, OPUS will assume the borrower was unable to shop and the fees will be treated as a Zero Tolerance for non-Title fees or a 10% tolerance for Title fees.

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(5) Variance tests

Utilize one (1) of the following Variance Categories in performing variance tests:

(a) Zero Tolerance/Variance* - A finding will be cited if any charges increase from the Binding LE to the Final CD without COC or BRC. Such increases include:

(i) Fees paid to the lender, broker or an affiliate of either lender or broker [fees paid to an affiliate of the lender for services NOT required by the creditor are not subject to tolerance/variance per CFR 1026.19(e)(3)(iii)(E)];

(ii) Fees paid to an unaffiliated third party if the lender did not permit the borrower to shop for servicer; and

(iii) Transfer taxes.

(iv) Lender Credits

(b) 10% Tolerance/Variance* – A finding will be cited if the aggregate of the charges increase by more than 10% from the Binding LE to the Final CD without COC or BRC. If a fee/service is listed on the LE but not charged/reflected on the Final CD, the fee will be removed and not considered in calculating the 10% variance threshold pursuant to Comment 19(e)(3)(ii)-5. Such increases include:

(i) Recording fees; and

(ii) Charges for third party services not paid to creditor or affiliate AND borrower permitted to shop for service but selects a provider on the creditor’s Written List of Service Providers.

(iii) Prepaid mortgage insurance will be treated as a 10% tolerance fee if it can be shopped for (and not identified as an affiliate), otherwise it will be treated as a zero tolerance fee.

(c) No Tolerance/Unlimited – No finding will be cited if any of the charges change from the Binding LE to the Final CD, provided that the disclosed amount on the LE is based on information reasonably known to the creditor at the time of disclosure (disclosed in good faith), such as:

(i) Prepaid interest;

(ii) Property insurance premiums;

(iii) Impounds/Escrows;

(iv) Charges for services required by the creditor but the borrower is permitted to shop for and borrower selects a third party provider not on the lender’s Written Service Provider List; and

(v) Charges for third party services NOT required by the creditor (even if paid to an affiliate of the creditor).

(d) Notes of interest for “No Tolerance/Unlimited”:

(i) Prepaid property taxes charged by local and state governments periodically will have no tolerance under the general ‘best information reasonably available’ standard unless otherwise instructed by the Client.

(ii) As noted above, Opus will review the loan file for evidence the disclosure was not made in “Good Faith”. “Good faith” means the creditor made the estimate based on the information reasonably available to them at the time the LE was provided. Absent such evidence, OPUS will consider the disclosures made in “good faith”. Two examples where a disclosure would be considered not made in “good faith” and a finding cited are:

1. The creditor requires homeowner’s insurance but fails to include a homeowner’s insurance premium; a finding will be added that the LE was not issued in good faith.

2. The creditor knows the loan must close on the 15th of the month but estimates prepaid interest to be paid from the 30th of that month, a finding will be added that the LE was not issued in good faith.

(iii) Review for documentation itemizing fees from the Binding LE to determine unrounded amounts of fees to use for performing tolerance testing only if a tolerance violation occurs. If no fee itemization is found, tolerance testing will be performed based on the information in the disclosures and a tolerance violation will be noted if applicable. Utilize fee information from closing instructions or a vendor compliance report, if the file contains the referenced support documentation.

(iv) Additionally, if a documented valid COC or BRC occurs resulting in a change to loan terms, settlement charges or interest rate within four (4) business days of consummation, the variance test will be performed based on the revised amounts disclosed on the initial CD (or subsequent CD if change occurs after initial CD has been provided) provided that the change is related to the COC or BRC.

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(v) For loans with no Interim LE and no COC or BRC occurring four (4) days prior to consummation, fees and charges on the CD are tested for compliance with permitted variances against fees disclosed on Initial LE.

(vi) For loans with an Interim LE, the following procedures will be applied:

1. Review of each Interim LE and fees and charges on the CD are tested for compliance with variance thresholds against fees supported by a valid COC or BRC related to the charge that increases

2. In cases where an Interim LE is issued with several fee increases, but only some are supported by or related to a valid COC or BRC, those fees which are not supported by or related to a valid COC, BRC or disclosed on an LE that was not provided timely (within three (3) business days of changed circumstance) will be tested for variance using the amounts disclosed in the Initial LE previously valid LE.

iii) Closing disclosure (″CD″)

OPUS will conduct a general CD review and verify the following:

(1) Recommendation: Closing Disclosure provided at closing be marked “Final.” Although this is not a requirement, marking the Closing Disclosure as Final will ensure a timely review.

(2) That the correct form is used and all sections of the CD are completed (no blanks or incomplete sections).

(3) Acknowledgement of receipt by all borrowers with a right to rescind under 1026.23 by verifying that each borrower with a right to rescind was provided with a copy of the CD. This could include the non- borrowing spouse. Acknowledgement is based on lender guidelines

(4) If the CD does not contain a signature line for the consumer’s signature, OPUS will look for the required alternative statement in “Other Disclosures” with the heading of “Loan Acceptance”. While not required, OPUS highly recommends that the client require the CD to be signed and dated by the consumer as it will ensure a timely review.

(5) If a subsequent CD is issued having changes to (a) the loan product which affects disclosed terms and loan information; (b) the addition of a prepayment penalty; or (c) an APR which exceeds the previously disclosed APR by more than the permitted tolerances for accuracy, OPUS will test that the borrower was given an additional three (3)-business day waiting period from the date of final pre-close CD with (a) the final loan product; (b) the prepayment penalty addition; or (c) the APR, and that the final pre -close CD has been received by borrower by consummation.

(6) On the interim and final pre-close CDs the following checks and limitations apply:

(7) Verification of the technical formatting of the CD is out of scope in the standard review. The formatting of the document is the responsibility of the document preparation source.

(8) Closing, Transaction and Loan Information sections have been completed with accurate information.

(9) Loan terms sections are completed.

(a) Opus will verify loan term, purpose, and product descriptions follow the prescribed format.

(b) OPUS will verify all applicants applying for credit, as disclosed on the application, are listed on the LE

(10) “Can this amount increase after closing?” and “Does the loan have these features” sections are completed accurately.

(11) Projected Payments and Estimated Taxes, Insurance & Assessments sections are completed accurately.

(12) Fees have been disclosed properly (alphabetically, correct buckets and all title fees start with ″Title – ″) in Closing Cost Details section.

(13) Any addenda found in file listing ADDITIONAL fees for sections other than Section C (Services You Can Shop For) is completed properly.

(14) Calculating Cash to Close table completed accurately.

(15) Summaries of Transaction section completed accurately

(16) Loan Disclosures section complete:

(a) CD Assumption, Demand Feature, Negative Amortization, and Partial Payments sections completed properly (at least and only one box selected).

(b) Late Payment completed properly (terms disclosed and accurate per note).

(c) Escrow Amount section completed properly (only one box selected and amounts disclosed).

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(i) Escrow Property Costs over Year 1 to be calculated per the payments scheduled to be made in either 11 or 12 months as determined by client.

(ii) Non-Escrowed Property Costs over 1 Year to be calculated using either 11 or 12 months as determined by client.

(17) If Interest Only, Optional Payments, Step Payments, or Seasonal Payments, is Adjustable Payment (″AP″) Table disclosed accurately.

(18) If ARM or Step, is Adjustable Interest Rate (″AIR″) Table disclosed accurately.

(19) Loan Calculations section complete and accurate.

(a) Total of Payments is accurate include fees in section A, B, and C that are paid by the borrower not including fees paid by the seller or other even if those fees are customarily paid by the borrower.

(b) Capture amounts disclosed in Loan Calculations section and test for TILA tolerance violations on disclosed APR and Finance Charge.

(c) Total Interest Percentage (TIP) accurate with proper rounding.

(i) Other Disclosures section complete with at least one choice selected as applicable.

(ii) Review for the creditor’s selection of one of the two options in the Liability After Foreclosure section, but will not make an independent judgment whether or not the selection is correct for the property state. Only issue a condition if either no selection is made or if both selections are made.

(iii) Contact Information section is complete with information from each party of the transaction provided as applicable.

(iv) Rounding rules verified as per 1026.38(t)(4). Rounding on all percentages except APR is percentages should be truncated so that a zero is not disclosed in the last decimal place (7.250 should be rounded to 7.25).

iv) TRID Method of Receipt Of LE And CD

Determine the method of receipt of the revised LE and CD and perform a compliance test with timing requirements. For purposes of the review and verification, the date the borrower is deemed to have received the disclosure(s) is based on any of the following methods:

(1) In Person: borrower signature date is used.

(2) Electronic* - No Receipt Confirmation in File: three (3) business days from later of document issue date or proof of e-delivery date is used.

(3) Electronic* - With Receipt Confirmation in File, date of receipt confirmation is used.

(4) Electronic*- Delivery confirmation of an email, assuming the borrower(s) have consented to electronic delivery.

(5) Mail (USPS or other parcel delivery service) – No Receipt Confirmation in File: three (3) business days from later of document issue date or proof of mailing date is used. Delivery confirmation, i.e., confirmation that documents have been delivered to the borrower(s) door. Signature receipt by anyone other than the borrower(s) to the mortgage transaction constitutes evidence of delivery, not receipt, for the purposes of the receipt requirements.

(6) Mail (USPS or other parcel delivery service) – With Receipt Confirmation in File: date of receipt confirmation is used. Delivery confirmation, i.e., confirmation that documents have been delivered to the borrower(s) door. Signature receipt by anyone other than the borrower(s) to the mortgage transaction constitutes evidence of delivery, not receipt, for the purposes of the receipt requirements. Unknown (unable to determine delivery method or unable to verify borrower received disclosures in any other method than by USPS Mail method): follow the USPS Mail delivery method of three (3) business days from the document issue date. As noted above, a signature by anyone other than the borrower(s) constitutes evidence of delivery and the method of receipt will be considered unknown, requiring an additional three (3) days from the date the non-borrower received the documents.

*NOTE: If disclosures are sent electronically, a finding will be cited if there is no evidence in the file that the borrower consented to receive disclosures electronically. Default to the three (3) business day mail rule for delivery without the proper documentation of borrower consent.

v) Other Recommended TRID Compliance Tests

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Apply the following additional compliance tests which were included in the recommended review scope resulting from the 2015 CFPB Amendments:

(1) Use of TRID forms prior to TRID effective date: a finding will be cited if the new TRID forms are utilized on a loan with an application received prior to the October 3, 2015 effective date.

(2) Use of TRID forms on loans not covered by TRID: a finding will be cited if the new TRID forms are utilized on loans not covered by TRID (i.e., HELOC, i.e. reverse mortgages, i.e. Chattel Dwelling loans (loans on mobile homes that are not also secured by the underlying real property or loans on houseboats).

(3) Your Home Loan Toolkit: a finding will be cited if the new Your Home Loan Toolkit Disclosure or evidence the disclosure was delivered or placed in the mail is not in the file or was not provided to the borrower within three (3) business days of application.

(4) Consummation Date: Consummation varies by applicable state law and the term is not often clearly defined. Accordingly, generally use the notary date. If there are multiple borrowers and they do not all sign the documents on the same day, then use the latest signature date.

(5) Post-Consummation Disclosures: TRID review scope will not include testing for compliance with the following post-consummation disclosures under TRID:

(a) Escrow Closing Notice; and

(b) Mortgage servicing transfer and partial payment notices.

vi) Subsequent Changes After Consummation

The following prescribed cures as set forth in section 1026.19 (f)(2)(iii) through(v) are acceptable for changes and corrections to the Final CD after consummation.

(1) 1026.19(f)(2)(iii) – Changes due to events occurring after consummation.

(a) If within 30 days of consummation, an event in connection with the settlement of the transaction occurs that causes the final CD to become inaccurate and such inaccuracy results in a change to an amount actually paid by the borrower(s) from the amount disclosed, test for evidence that a new, corrected CD is delivered or placed in the mail to the borrower within thirty (30) days of receiving information that an event occurred.

(2) 1026.19(f)(2)(iv) – Changes due to clerical errors.

(a) Non-numeric clerical errors, for the purpose of this scope document are any error not related to a disclosed dollar amount or percentage. Test for evidence a new, corrected CD is delivered or placed in the mail to the borrower within sixty (60) calendar days of consummation. Examples of non-numeric clerical errors include but are not limited to:

(i) Corrections to the closing information section.

(ii) Corrections to the transaction information section.

(iii) Corrections to loan id # or MIC #.

(iv) Corrections to non-numeric identifiers in the Estimated Taxes, Insurance & Assessments section.

(v) Corrections to the fee labels and/or order of fees.

(vi) Corrections to the location of the fee(s).

(vii) Corrections to missing cure language.

(viii) Corrections to the “Did This Change” section of Calculating Cash to Close.

(ix) Corrections to the Loan Disclosures section

(x) Corrections to non-numeric items in the Escrow Account section.

(xi) Corrections to the Other Disclosures section.

(xii) Corrections to the Contact Information section.

(3) 1026.19(f)(2)(v) – Refunds related to the good faith analysis.

(a) Test for evidence such as a copy of the refund check, a new corrected CD, and evidence the creditor delivered or placed in the mail to the borrower within sixty (60) calendar days of consummation.

A post-consummation CD is understood to be a re-issued CD with a Date Issued represented as the date the post-consummation CD was issued. Corrections to the final pre-close CD should not be accepted as a post-consummation CD noted in the prescribed cures above.

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Errors on LE’s and Interim CD’s and numeric errors on final CD’s do not have prescribed cures as per the regulation and therefore will not be reported as having been cured. The assessment of risk and decision to accept a finding that does not have a prescribed cure is the responsibility of the purchaser of the loan.

j) Additional Disclosures and Requirements:

Consultant will confirm compliance with current documentation and timing requirements in effect at origination of the Mortgage Loan including:

i) Servicing Transfer Disclosure (for applications prior to 10/03/2015):

(1) Confirm the presence of the Servicing Transfer Disclosure form in file

(2) Verify the Servicing Transfer Disclosure was provided to the borrower(s) within three general business days of “Application”

ii) Special Information Booklet (for applications prior to 10/03/2015)/ Home Loan Tool Kit (for applications on or after 10/03/2015):

(1) Confirm the presence of the Home Loan Tool Kit is in file for covered loans.

(2) Confirm the Home Loan Tool Kit is provided within three general business days of application

iii) Affiliated Business Disclosure

(1) Confirm the presence of the Affiliated Business Disclosure in file in the event the lender has affiliated business arrangements

(2) Confirm the Affiliated Business Disclosure provided within three general business days of “Application” (Consultant reviews for this disclosure to be provided within three general business days, as the lender will typically know at the time of application if borrower(s) will be referred to affiliates for provision of third party services)

(3) Confirm the Affiliated Business Disclosure is executed.

iv) Initial Escrow Disclosure Statement

(1) Confirm the presence of the Initial Escrow Disclosure Statement in file

(2) Confirm the Initial Escrow Disclosure Statement was provided at closing or within 45 days after settlement

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High Cost – State & Local Anti-Predatory Regulations Review

In addition to federal thresholds, Consultant will review the anti-predatory lending statutes in the following states and local municipalities, as applicable, as well as any additional applicable regulations implemented during the Term of this SOW – legal guidance documentation available for detailed discussion, if necessary:

1) Arkansas Home Loan Protection Act, AR. Stat. Ann. § 23-53-101 et seq.

2) California Anti-Predatory Lending Statute, CA. Fin. Code § 4970 et seq.

3) California Higher Priced Mortgage Loan Statute, CA. Fin Code § 4995 et seq.

4) Colorado Consumer Equity Protection Act, CO. Rev. Stat. § 5-3.5-101 et seq. and as amended by Senate Bill 216 (2007) and House Bill 1322 (2007)

5) Colorado Consumer Credit Code, CO. Rev. Stat. 5-1-101 et seq.

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

7) Connecticut Nonprime Home Loan Statute, CT. Gen. Stat. §§ 36a-760 et seq. (as originally enacted and as amended by Senate Bill 949.

8) District of Columbia Home Loan Protection Act of 2002, D.C. Official Code § 26 -1151.01 et seq., as implemented by 20

D.C. Municipal Reg. § 2000.1 et seq. and DC Mortgage Disclosure Act of 2007.

9) Florida Fair Lending Act, FL. Stat. Ann. § 494.0078 et seq.

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

11) Idaho Residential Mortgage Practices Act, ID. Code § 26-3101 et seq.

12) Illinois High Risk Home Act, IL. Comp Stat. tit. 815, §§137/5 et seq.

13) Illinois High Risk Home Loan Regulations, 38 IL. Admin. Code § 345.10 et seq.

14) Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003).

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

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

17) Indiana Home Loan Practices Act, IN. Code § 24-9-1-1 et seq. and as amended by 2005 In. P.L. 141 § 6 P2013-011.

18) Kansas Consumer Credit Code, KS. Stat. Ann. § 16a-1-101 et seq. Sections 16a-1-301, 16a-3-207 and 16a-3-308a.

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

20) Maine, An Act to Enhance Consumer Protections in Relationto Certain Mortgages, 9A ME. Rev. Stat. Ann. §§ 8 -101; 8- 103(1); 8-206(8); 8-206A and ME. Legislative Document 1869 (2007).

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

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

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

24) Massachusetts Regulations for Higher Priced Mortgage Loans, 209 MA. Code Regs. §§ 32.00

25) Massachusetts “Borrower’s Interest” Standard, M.G.L. Chapter 183, §28C.

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

27) Michigan Consumer Mortgage Protection Act, MI. Stat. Ann. § 445-1631 et seq.

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

29) Nebraska Mortgage Bankers Registration and Licensing Act, NE. Stat.§ 45-702 et seq.

30) Nevada Anti-Predatory Lending Law, NV. Rev. Stat. § 598D.010 et seq. and as amended by AB 440 and 492.

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31) New Jersey Home Ownership Security Act of 2002, NJ. Stat. Ann. § C:46:10B-22 et seq. and as amended by PL. 2004, Ch. 84 § 1.

32) New Mexico Home Loan Protection Act, NM. Stat. Ann. § 58-21A-1 et seq. and as amended by Senate Bill 342 (2009).

33) New York High Cost Home Loan Regulations, 3 NYCCR Part 41 (2001).

34) New York High Cost Home Loan Act, NY. Bank. L. Ch. 626., as implemented by 3 NYCCR Part 41 (2003) and as amended by Senate Bill 8143-A (2008). Banking Law Article 6-l (2003) and 6-m (2008).

35) North Carolina Anti-Predatory Lending Law, NC. Gen. Stat. §§ 24-1.1A to 24-10.2 and North Carolina Amendments to Anti-Predatory Lending Law, NC. Gen. Stat. §§ 24-9; 24-1.1(E)(a); 24-10.2(a) and as amended by House Bill 1817 (2007).

36) Ohio Anti-Predatory Lending Statute, OH. Rev. Code Ann. §§ 1349.25 to 1349.37and§ 1.63 and as amended by S.B. 185.

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

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

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

40) Pennsylvania Consumer Equity Protection Act, 63 PA. Cons. Stat. Ann. § 456.501 et seq.

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

42) Rhode Island Home Loan Protection Act, Chapter 25.2 of Title 34 of RI. Gen. Laws. §§ 34 -25.2-1 et seq., including the Emergency and Final Regulations.

43) South Carolina High-Cost and Consumer Home Loans Act, SC. Code § 37-23-10 et seq.

44) South Carolina Consumer Protection Code, SC. Code 37-1-101 et seq.

45) Tennessee Home Loan Protection Act, TN. Code Annotated §§ 45-20-101 et seq., Title 47 et seq.

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

47) Texas Constitution, Section 50(a)(6), Article XVI

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

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

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

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

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

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

54) Wisconsin Responsible High Cost Mortgage Lending Act, WI. Stat. § 428.202.

55) West Virginia Residential Mortgage Lender, Broker and Servicer Act, WV. Code § 31-17-1 et seq.

56) Wyoming Credit Code, WY. Stat. Ann. §§ 40-14-101 et seq.

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Misrepresentation and Third Party Review

Validate that fraud reports and independent third party property valuations reports are in the file. The review will consist of the following:

1) Misrepresentation Review

Review on each loan to identify potential misrepresentations of income, employment, identity, occupancy, transaction and appraisal misrepresentation or other areas of potential misrepresentation. The Misrepresentation may include the following:

i) Signatures

Validate signature consistency across documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable efforts to validate the consistency of signatures across documents.

ii) Alerts

Assess credit report alerts for accuracy and potential issues.

iii) Social Security Numbers

Compare SSN(s) across all file documents.

iv) Document Integrity

Review for apparent alterations to loan documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable review of alterations to the loan documents.

v) Data Consistency

Review the documents contained in the loan file for consistency of data.

vi) Third Party Fraud Tools

To the extent a third party fraud tool is contained in the loan file, the Consultant will ensure high level or critical warnings are reviewed and addressed.

Consultant will report all findings from misrepresentation and third party product review to the Client. Client can provide comments and documentation related to the findings based on work completed by Clients’ internal working groups and Consultant will review and consider any required adjustments to the initial findings.

b) Independent Third Party Values

Review each loan to determine whether a third party valuation product was required and if required, that the third party product value was compared to the original appraised value to identify a value variance. If a variance of more than 10% was noted, Opus will ensure any required secondary valuation product was ordered and reviewed. Apply the appropriate rating agency grade after reviewing the required valuation products.

i) To the extent a loan is seasoned more than 12 months the primary valuation product will be a drive by broker’s price opinion (“BPO”). If a variance of negative 10% or greater is noted a secondary valuation product can be ordered. For loans seasoned between 12 – 24 months, Consultant will compare the BPO to origination appraisal and if the variance is greater than a negative 10% variance a third product such as a field review can be ordered. If the loan is more than 24 months seasoned a limited review will be performed between the BPO and origination appraisal.

ii) If the valuation vendor des not supply the updated valuation product directly to the Consultant, the Client will authorize the valuation vendor to issue an attestation with sufficient information for the Consultant to determine the correct valuation product was utilized to verify the accuracy of the origination appraisal.

iii) Value Review Disclaimer

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iv) The individuals performing the above procedures are not person providing valuations for the purpose of the Uniform Standards of Professional Appraisal Practice (“USPAP”) or necessarily licensed as appraiser under Federal or State law, and the services being performed do not constitute appraisal reviews for the purposes of USPAP or Federal or State law.

v) Opus makes no representation or warranty as to the value of the mortgaged property, notwithstanding that Opus may have reviewed the valuation information for reasonableness.

vi) Opus is not an Appraisal Management Company (“AMC”) and therefore does not opine on the actual value of the underlying property.

vii) Opus is not a creditor within the meaning of the Equal Credit Opportunity Act (“ECOA”) or other lending laws and regulations, and therefore opus will not have and communications with or responsibility to any individual concerning property valuations.

viii) Opus does not check to see if any appraiser in on the Freddie Mac exclusionary list.

c) Payment History and Servicing Comments

If a loan is seasoned more than 12 months, the Client will provide payment histories and servicing comments for the greater of (i) 12 months, or (ii) the time period required bythe rating agencies. The Consultant will review the provided payment histories and comments to determine the following:

i) – Timely payment posting

ii) – Request for modification

iii) – Property condition issues

iv) – Change in occupancy

v) – Change in ability to pay

vi) – Other items impacting the enforcement of the lien

d) Updated FICO Scores

If the FICO score contained in the loan file is aged more than 6 months, an updated FICO score will be required

e) Properties in FEMA declared disaster zones.

If a FEMA declared disaster occurs after the inspection date on the appraisal, Consultant will review the file to determine if an exterior inspection to ensure

i) No apparent damage to the property

ii) Property appears to be occupied

f) Multiple Loans to 1 Borrower

The pool contains 36 loans with multiple loans to one borrower.

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Data Compare Review

Client will provide a data tape with the following data fields and Consultant will compare the field to the applicable source document and report any variance

a) Appraised Value

b) CLTV

c) DTI

d) FICO

e) Interest Only

f) Interest Rate

g) Loan Term

h) Loan Purpose

i) LTV

j) Occupancy

k) Original Balance

l) Property Address

m) Property City

n) Property State

o) Property Type

p) Sales Price

q) Second Mortgage Lien Amount

r) Self Employed

s) Units

t) Zip Code

u) Loan Type

v) QM Status

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 Pool Details

Loan Type
Type	Count	% of Pool
Non-Conforming	0	0.00%
Conforming-GSE Eligible	479	100.00%
Total	479	100.00%

 

Interest Rate
Type	Count	% of Pool
2.250 - 2.499	0	0.00%
2.500 - 2.999	23	4.80%
3.000 - 3.499	382	79.75%
3.500 - 3.999	74	15.45%
4.000 - 4.499	0	0.00%
4.500 - 4.999	0	0.00%
5.000 - 5.499	0	0.00%
5.500 - 5.999	0	0.00%
6.000 - 6.499+	0	0.00%
Total	479	100.00%

Purpose
Type	Count	% of Pool
Cash out Refi	154	32.15%
Purchase	213	44.47%
Rate / Term Refi	112	23.38%
Total	479	100.00%

Product Type
Type	Count	% of Pool
Fixed	479	100.00%
ARM	0	0.00%
Total	479	100.00%

 

Occupancy
Type	Count	% of Pool
Primary Residence	0	0.00%
Second Home	0	0.00%
Investment Property	479	100.00%
Total	479	100.00%

Property Type
Type	Count	% of Pool
Single Family Detached	226	47.18%
dPUD (PUD with "de minimus" monthly HOA dues	1	0.21%
Condo, Low Rise	64	13.36%
Condo, High Rise	3	0.63%
PUD	117	24.43%
1 Family Attached	5	1.04%
2 Family	33	6.89%
3 Family	11	2.30%
4 Family	19	3.97%
Total	479	100.00%

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DTI
Type	Count	% of Pool
0.00-20.00	33	6.89%
20.01-30.00	84	17.54%
30.01-40.00	161	33.61%
40.01-43.00	61	12.73%
43.01-50.00	139	29.02%
50.01-51.00	1	0.21%
Total	479	100.00%

 

QM Type
Type	Count	% of Pool
TQM-ATR Pass/Non-HPML	79	16.49%
QM/Non-HPML	0	0.00%
QM/Agency Safe Harbor	0	0.00%
QM/HPML	0	0.00%
Not Covered/Exempt	400	83.51%
Total	479	100.00%

LTV
Type	Count	% of Pool
0.00-30.00	21	4.38%
30.01-40.00	23	4.80%
40.01-50.00	35	7.31%
50.01-60.00	67	13.99%
60.01-70.00	90	18.79%
70.01-80.00	243	50.73%
80.01-90.00	0	0.00%
Total	479	100.00%

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Tape Discrepancies

Data Element	Count	Accuracy
Application Date	0	100.00%
Appraised Value	1	99.79%
CLTV	14	97.08%
DTI	369	22.96%
FICO	0	100.00%
First Payment Date	0	100.00%
Interest Rate	0	100.00%
Junior Lien Balance	0	100.00%
Loan Purpose	0	100.00%
Loan Term	0	100.00%
Loan Type	0	100.00%
LTV	14	97.08%
Maturity Date	0	100.00%
Note Date	0	100.00%
Number of Borrowers	0	100.00%
Occupancy	0	100.00%
Original Loan Amount	0	100.00%
Original P&I	0	100.00%
Original Payment	0	100.00%
Property Address	0	100.00%
Property City	1	99.79%
Property County	0	100.00%
Property State	0	100.00%
Property Type	9	98.12%
Qualifying FICO	0	100.00%
Sales Price	2	99.58%
Second Mortgage Lien Amount	0	100.00%
Borrower Last Name	0	100.00%
Borrower First Name	0	100.00%
Self Employed	3	99.37%
Units	0	100.00%
Zip Code	28	94.15%
Total Loans	479

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Loan Grading Definitions

Credit

S&P	Moodys	Fitch	Kroll	DBRS	Definition
A	A	A	A	A	Loan conforms to all applicable guidelines, no conditions noted
B	B	B	B	B	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
C	C	C	C	C	The loan does not meet every applicable credit guideline, and most of the loan characteristics are outside of guidelines; or there are weak or no compensating factors
D	D	D	D	D	The loan file is missing critical documentation required to perform the review

Compliance

S&P	Moodys	Kroll	DBRS	Definition
A	A	A	A	The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations
B	B	B	B	The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations; however, minor evidentiary issue(s) exist
C	C	C	C	The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations
D	D	D	D	The loan file is missing critical documentation required to perform the review

Fitch	Definition
A	The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations
B	The loan is in compliance with all applicable laws and regulations and a benefit to the borrower is present and documented
C	The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations
D	The loan file is missing critical documentation required to perform the review

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Property Valuation

Moodys	Fitch	Kroll	DBRS	Definition
A	A	A	A	Value is within a 10% variance of third party product. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete.
B	B	B	B	Meets all terms for an A, but property requires cosmetic or minor repairs that do not effect value or habitability
C	C	C	C	Any of the following items: Origination value and third party valuation product value has a variance of 10% or greater, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines
D	D	D	D	The loan file was missing the appraisal and/or other valuations products needed to complete the review

S&P	Definition
A	First Level Review Value is within a 10% variance to the original appraisal. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete.
B	First Level Review Value is greater than a 10% variance to the original appraisal, but the second level review value is within 10% variance of the original appraised value. In addition, property requires cosmetic or minor repairs that do not effect value or habitability
C	Any of the following items: Second Level Review Value is greater than a 10% variance to the original appraisal, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines
D	The loan file was missing the appraisal and/or other valuations products needed to complete the review

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Loan Review Findings

The following summarizes Consultant’s initial and final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated July 16, 2021.

	Fitch Overall Loan Grade						Fitch Credit Grading
	Final Grade						Final Grade
Initial Grade		A	B	C	D	Initial Grade		A	B	C	D
	A	159	0	0	0		A	173	0	0	0
	B	11	2	0	0		B	9	0	0	0
	C	52	1	0	0		C	43	0	0	0
	D	244	10	0	0		D	254	0	0	0
	Fitch Compliance Grading						Fitch Value Grading
	Final Grade						Final Grade
Initial Grade		A	B	C	D	Initial Grade		A	B	C	D
	A	363	0	0	0		A	479	0	0	0
	B	6	7	0	0		B	0	0	0	0
	C	91	6	0	0		C	0	0	0	0
	D	6	0	0	0		D	0	0	0	0

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	Moody’s Overall Loan Grade						Moody’s Credit Grading
	Final Grade						Final Grade
Initial Grade		A	B	C	D	Initial Grade		A	B	C	D
	A	159	0	0	0		A	173	0	0	0
	B	11	2	0	0		B	9	0	0	0
	C	52	1	0	0		C	43	0	0	0
	D	244	10	0	0		D	254	0	0	0
	Moody’s Compliance Grading						Moody’s Value Grading
	Final Grade						Final Grade
Initial Grade		A	B	C	D	Initial Grade		A	B	C	D
	A	363	0	0	0		A	479	0	0	0
	B	6	7	0	0		B	0	0	0	0
	C	91	6	0	0		C	0	0	0	0
	D	6	0	0	0		D	0	0	0	0

	Kroll Overall Loan Grade						Kroll Credit Grading
	Final Grade						Final Grade
Initial Grade		A	B	C	D	Initial Grade		A	B	C	D
	A	159	0	0	0		A	173	0	0	0
	B	11	2	0	0		B	9	0	0	0
	C	52	1	0	0		C	43	0	0	0
	D	244	10	0	0		D	254	0	0	0
	Kroll Compliance Grading						Kroll Value Grading
	Final Grade						Final Grade
Initial Grade		A	B	C	D	Initial Grade		A	B	C	D
	A	363	0	0	0		A	479	0	0	0
	B	6	7	0	0		B	0	0	0	0
	C	91	6	0	0		C	0	0	0	0
	D	6	0	0	0		D	0	0	0	0

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	S&P Overall Loan Grade						S&P Credit Grading
	Final Grade						Final Grade
Initial Grade		A	B	C	D	Initial Grade		A	B	C	D
	A	159	0	0	0		A	173	0	0	0
	B	11	2	0	0		B	9	0	0	0
	C	52	1	0	0		C	43	0	0	0
	D	244	10	0	0		D	254	0	0	0
	S&P Compliance Grading						S&P Value Grading
	Final Grade						Final Grade
Initial Grade		A	B	C	D	Initial Grade		A	B	C	D
	A	363	0	0	0		A	479	0	0	0
	B	6	7	0	0		B	0	0	0	0
	C	91	6	0	0		C	0	0	0	0
	D	6	0	0	0		D	0	0	0	0

	DBRS Overall Loan Grade						DBRS Credit Grading
	Final Grade						Final Grade
Initial Grade		A	B	C	D	Initial Grade		A	B	C	D
	A	159	0	0	0		A	173	0	0	0
	B	11	2	0	0		B	9	0	0	0
	C	52	1	0	0		C	43	0	0	0
	D	244	10	0	0		D	254	0	0	0
	DBRS Compliance Grading						DBRS Value Grading
	Final Grade						Final Grade
Initial Grade		A	B	C	D	Initial Grade		A	B	C	D
	A	363	0	0	0		A	479	0	0	0
	B	6	7	0	0		B	0	0	0	0
	C	91	6	0	0		C	0	0	0	0
	D	6	0	0	0		D	0	0	0	0

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Exhibit A- Loans Reviewed (479)

1220698970	1221191259	1221230986	1221254109	1221278344
1220822828	1221198474	1221231551	1221254302	1221278534
1220870949	1221199290	1221234071	1221254308	1221281649
1221018784	1221202061	1221235003	1221254859	1221282318
1221024248	1221202556	1221236056	1221254891	1221282564
1221033175	1221204229	1221236774	1221255099	1221285787
1221033183	1221210258	1221238603	1221256478	1221286224
1221047473	1221210332	1221238638	1221258308	1221286410
1221050205	1221212428	1221239936	1221258383	1221286566
1221062486	1221212772	1221240302	1221258947	1221287991
1221065005	1221212961	1221240334	1221259656	1221289121
1221067888	1221213674	1221240695	1221259664	1221289368
1221069560	1221214370	1221241550	1221259676	1221289743
1221072754	1221214664	1221242854	1221261615	1221289826
1221074358	1221214711	1221243252	1221262070	1221292835
1221077753	1221214790	1221243591	1221262471	1221293673
1221096096	1221217005	1221243771	1221263579	1221294271
1221096998	1221218138	1221244135	1221264027	1221294410
1221125158	1221218293	1221244728	1221264824	1221294855
1221126815	1221218520	1221244742	1221265035	1221295327
1221131955	1221218701	1221247315	1221265061	1221296516
1221132470	1221218827	1221247560	1221265595	1221298389
1221135378	1221218854	1221248446	1221265747	1221298484
1221139577	1221219554	1221248752	1221265822	1221298550
1221149026	1221219983	1221249510	1221266523	1221299265
1221155659	1221220089	1221249524	1221267262	1221299432
1221157132	1221220597	1221249783	1221268269	1221299778
1221166861	1221220890	1221249853	1221270782	1221300254
1221169087	1221221223	1221249863	1221271124	1221301100
1221171898	1221221452	1221250303	1221271329	1221301139
1221172665	1221223286	1221250404	1221272233	1221301711
1221174983	1221223495	1221250448	1221272435	1221301969
1221177851	1221223524	1221250690	1221272807	1221302674
1221179417	1221223943	1221250779	1221273386	1221302736
1221179916	1221224179	1221250837	1221274409	1221302800
1221180385	1221226512	1221251394	1221274635	1221303004
1221181526	1221226597	1221251447	1221275488	1221304077
1221182261	1221229465	1221251612	1221275884	1221304228
1221189126	1221229496	1221251856	1221276640	1221304910
1221190557	1221230462	1221254103	1221277013	1221304967

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1221305683	1221329766	1221360495	1221408931	1221474012
1221305740	1221330115	1221361567	1221409326	1221475066
1221305958	1221331450	1221362377	1221410776	1221480447
1221306071	1221331898	1221363341	1221412763	1221480806
1221306197	1221332054	1221363674	1221424520	1221482888
1221306451	1221332450	1221364200	1221426292	1221485605
1221306588	1221332899	1221366960	1221426457	1221486165
1221306961	1221334509	1221370568	1221427083	1221486834
1221308674	1221334828	1221370630	1221427912	1221489790
1221309195	1221334906	1221371972	1221428084	1221494958
1221309340	1221335666	1221372135	1221429063	1221500865
1221309600	1221337615	1221372434	1221429450	1221500906
1221310039	1221338008	1221372684	1221430479	1221501846
1221310811	1221338183	1221372742	1221430801	1221505228
1221311894	1221338457	1221373534	1221432239	1221506240
1221311988	1221342747	1221374126	1221434666	1221511939
1221313817	1221343147	1221374314	1221436243	1221512025
1221316202	1221344093	1221374594	1221436469	1221514371
1221318213	1221344226	1221376500	1221437670	1221519176
1221318642	1221346055	1221376713	1221439226	1221519350
1221320101	1221346407	1221376804	1221439428	1221519590
1221320605	1221347343	1221376910	1221441522	1221521711
1221320816	1221349194	1221378683	1221441966	1221525766
1221321323	1221349250	1221379442	1221441981	1221527598
1221321949	1221349857	1221380641	1221442170	1221529544
1221322625	1221350951	1221383371	1221442300	1221530846
1221323043	1221352425	1221383642	1221444696	1221531183
1221323604	1221352448	1221384992	1221446219	1221532696
1221323767	1221352922	1221385232	1221446260	1221533079
1221324128	1221353417	1221385979	1221452621	1221533116
1221324229	1221354970	1221386754	1221460222	1221537007
1221324253	1221355163	1221387916	1221462831	1221540977
1221324554	1221355394	1221396609	1221463034	1221547025
1221324660	1221355595	1221398380	1221463470	1221552552
1221324779	1221355644	1221400208	1221463686	1221557527
1221325366	1221355690	1221402032	1221465027	1521002584
1221326460	1221356859	1221404552	1221465098	1521015598
1221328044	1221356942	1221404785	1221465807	1521015674
1221328277	1221359896	1221406374	1221470164	1521016199
1221328860	1221360186	1221407322	1221473765	1521017286

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1521018301	1521045418
1521019226	1521045532
1521020419	1521045567
1521020767	1521045898
1521021008	1521046348
1521024582	1521046394
1521030478	1521046752
1521031585	1521046943
1521031780	1521047707
1521032363	1521047720
1521034088	1521047881
1521034172	1521048612
1521034314	1521048617
1521034478	1521049056
1521034619	1521049198
1521035068	1521049916
1521035828	1521052087
1521035982	1521052515
1521036171	1521052671
1521036573	1521053056
1521037164	1521053291
1521037614	1521053500
1521037890	1521054106
1521038639	1521054130
1521038641	1521054241
1521038874	1521054719
1521039365	1521056995
1521040348	1521057848
1521040492	1521060641
1521040743	1521060839
1521040774	1521060846
1521041659	1521061600
1521041757	1521061996
1521041879	1521062223
1521042698	1521062898
1521043807	1521064322
1521044206	1521065260
1521044584	1521065322
1521044916	1521072806
1521045179

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Exhibit B

Value Only Review - Securitization

Amendment to SOW to include Value Only review scope as defined below:

• UWM will provide Opus a copy of the Appraisal, AUS, Note and UCPD

• Full Appraisal = CU Risk Score of 2.5 or better = Opus will review the Appraisal and AUS to confirm the appraisal information and the CU Risk Score for the applicable loan.

• Full Appraisal = CU Risk Score of > 2.5 = UWM will provide Opus with an AVM that both supports the original appraised value within 10% and is within the FSD score outlined by Fitch guidelines per AVM provider. If it doesn’t, UWM will order CDA. If CDA value is at least 90% of the Appraised value, no additional value product is needed, it will be sent to Opus for review.

• If not with 10%, the loan will be removed from the deal.

Capitalized terms used herein, unless defined where used, shall have the meanings ascribed to such terms in the SOW. This constitutes the entire agreement and understanding between the Parties with respect to amending the SOW. Except as expressly set forth in this Amendment, the terms and conditions of the SOW are hereby ratified, confirmed and approved in their entirety and shall continue in full force and effect, enforceable in accordance therewith and shall govern this Amendment. This Amendment may be executed in one or more counterparts, including facsimile counterparts, each of which, when so executed, shall be deemed an original and all of which, together, shall constitute one and the same instrument.

Wipro Opus Risk Solutions LLC Privileged and Confidential Page 34

Loan Grading Definitions

Property Valuation

Moody’s	Fitch	Kroll	DBRS	Definition
A	A	A	A	Value is within a 10% variance of third party product. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form wa utilized. Appraiser is licensed. Appraisal is complete.
B	B	B	B	Meets all terms for an A, but property requires cosmetic or minor repairs that do not effect value or habitability
C	C	C	C	Any of the following items: Origination value and third party valuation product value has a variance of 10% or greater, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines
D	D	D	D	The loan file was missing the appraisal and/or other valuations products needed to complete the review

S&P	Definition
A	First Level Review Value is within a 10% variance to the original appraisal. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete.
B	First Level Review Value is greater than a 10% variance to the original appraisal but the second level review value is within 10% variance of the original appraised value. In addition, property requires cosmetic or minor repairs that do not effect value or habitability
C	Any of the following items: Second Level Review Value is greater than a 10% variance to the original appraisal, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines
D	The loan file was missing the appraisal and/or other valuations products needed to complete the review

Wipro Opus Risk Solutions LLC Privileged and Confidential Page 35

Exhibit B Loan Review Findings

The following summarizes Consultant’s initial and final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated July 16, 2021.

	Kroll Value Grading
	Final Grade
Initial Grade		A	B	C	D
	A	0	0	0	0
	B	0	0	0	0
	C	729	0	0	0
	D	0	0	0	0

Wipro Opus Risk Solutions LLC Privileged and Confidential Page 36

Exhibit B- Loans Reviewed (729)

1221238094	1221017452	1221172651	1221219072	1221237560
1221253738	1221026004	1221172968	1221219941	1221237945
1221256254	1221026015	1221173721	1221220530	1221238648
1221256332	1221035240	1221174650	1221221036	1221238847
1221293638	1221041056	1221180911	1221221253	1221238893
1221329984	1221042957	1221182056	1221221818	1221239212
1221345538	1221049673	1221182787	1221222561	1221239641
1221430683	1221053989	1221183926	1221224157	1221240070
1221446729	1221054722	1221184004	1221224502	1221240823
1221474555	1221055462	1221184038	1221225243	1221240830
1521050691	1221057114	1221184278	1221226611	1221241054
1521064186	1221060566	1221184806	1221226614	1221241349
1521066040	1221068576	1221188515	1221226761	1221241596
1221242489	1221071921	1221188931	1221227455	1221242574
1221267314	1221078404	1221191332	1221227757	1221242902
1221269212	1221078442	1221191999	1221228217	1221242982
1221275867	1221087845	1221195099	1221228352	1221243030
1221319933	1221107436	1221200212	1221228512	1221243055
1221321898	1221112999	1221201669	1221228632	1221243588
1221362648	1221116682	1221202394	1221228848	1221243647
1221389065	1221117993	1221203481	1221228903	1221243855
1221550509	1221118360	1221206533	1221228967	1221243876
1521036729	1221118616	1221210561	1221229035	1221244665
1521039344	1221126847	1221211286	1221230575	1221244955
1521054040	1221132933	1221211291	1221232332	1221245107
1521055517	1221137271	1221211618	1221232811	1221245187
1220844679	1221140202	1221212103	1221234343	1221245416
1221310710	1221141045	1221213213	1221234493	1221245805
1221340649	1221141820	1221213721	1221234729	1221245832
1221416312	1221144355	1221213758	1221234895	1221245992
1521042915	1221145203	1221214104	1221235162	1221246177
1220557534	1221145447	1221215266	1221235470	1221246731
1220698967	1221150381	1221216213	1221236057	1221246920
1220772152	1221159192	1221216251	1221236098	1221247261
1220836805	1221162052	1221216746	1221236134	1221247306
1220837338	1221163879	1221217790	1221236992	1221247840
1220867167	1221164030	1221217985	1221237081	1221247910
1220880910	1221164636	1221218255	1221237233	1221248533
1220886433	1221168785	1221218495	1221237239	1221248699
1221013910	1221169153	1221218499	1221237488	1221249212

Wipro Opus Risk Solutions LLC Privileged and Confidential Page 37

1221249217	1221262649	1221272182	1221285739	1221311968
1221249504	1221262866	1221272296	1221285944	1221314533
1221249865	1221262942	1221272305	1221286431	1221315300
1221250051	1221263170	1221272495	1221287526	1221315331
1221250301	1221263189	1221272499	1221288465	1221317112
1221250433	1221263276	1221272596	1221288663	1221318197
1221250660	1221263916	1221272703	1221288999	1221318349
1221250800	1221264136	1221273078	1221289038	1221318499
1221250973	1221264170	1221273212	1221289387	1221318583
1221251160	1221264416	1221274296	1221289720	1221319321
1221251522	1221264963	1221274932	1221289875	1221319462
1221251622	1221265702	1221275106	1221289890	1221319480
1221251733	1221265795	1221275601	1221290237	1221319654
1221251791	1221266017	1221276186	1221290239	1221319921
1221252248	1221266346	1221276208	1221291520	1221320032
1221252626	1221266430	1221276469	1221292576	1221321043
1221252939	1221267272	1221276472	1221293041	1221321735
1221252950	1221267286	1221276686	1221294506	1221321899
1221253010	1221267407	1221276815	1221294728	1221321952
1221253796	1221267420	1221277301	1221294913	1221321972
1221254169	1221267559	1221278189	1221295524	1221322686
1221255059	1221267684	1221278283	1221299331	1221322880
1221255613	1221267943	1221278334	1221300771	1221322941
1221255873	1221267972	1221278359	1221300992	1221323636
1221256412	1221268190	1221278394	1221301613	1221323694
1221256697	1221268524	1221278600	1221301655	1221324269
1221256714	1221268543	1221278656	1221302887	1221325415
1221256761	1221268887	1221278776	1221303688	1221325539
1221257263	1221268894	1221279412	1221303727	1221325806
1221258455	1221269576	1221279989	1221304458	1221326384
1221258569	1221269596	1221280051	1221304959	1221326796
1221259012	1221269627	1221280071	1221305471	1221326818
1221259390	1221269886	1221280118	1221306415	1221326863
1221259515	1221270805	1221281182	1221306655	1221327700
1221259597	1221270973	1221281358	1221306664	1221327947
1221259826	1221271147	1221281841	1221308016	1221327949
1221262173	1221271271	1221281944	1221309001	1221328168
1221262382	1221271509	1221282013	1221309890	1221329142
1221262399	1221271670	1221282495	1221310476	1221329157
1221262533	1221272098	1221282615	1221311825	1221329534

Wipro Opus Risk Solutions LLC Privileged and Confidential Page 38

1221329553	1221354798	1221378857	1221421904	1221468866
1221330850	1221354978	1221378924	1221421909	1221469535
1221332024	1221354990	1221379013	1221422817	1221469907
1221332879	1221355019	1221379176	1221423549	1221470133
1221333673	1221355790	1221379359	1221423741	1221472533
1221334406	1221356068	1221380405	1221424378	1221472876
1221334730	1221356927	1221381287	1221425314	1221473134
1221337207	1221357233	1221381912	1221427776	1221473427
1221337518	1221359260	1221383847	1221428682	1221474268
1221337670	1221359538	1221384259	1221429094	1221480682
1221338089	1221359932	1221384714	1221429658	1221481059
1221338137	1221360282	1221385245	1221429836	1221482131
1221338474	1221361021	1221385790	1221430500	1221483134
1221338513	1221361855	1221388645	1221431026	1221486641
1221339235	1221363272	1221389008	1221431512	1221488154
1221339846	1221363557	1221390276	1221431802	1221488576
1221340184	1221363577	1221391783	1221433090	1221498914
1221341071	1221363941	1221392628	1221433216	1221501342
1221342979	1221364015	1221392912	1221436311	1221504294
1221343668	1221364919	1221392974	1221438506	1221504494
1221344131	1221365246	1221398730	1221441823	1221505207
1221344158	1221366435	1221400133	1221444198	1221511759
1221344208	1221368180	1221400300	1221447010	1221519578
1221346142	1221368391	1221400898	1221447434	1221520770
1221346950	1221368949	1221401538	1221447806	1221525323
1221347053	1221370287	1221402683	1221448221	1221525891
1221348210	1221370586	1221407524	1221450167	1221526619
1221348275	1221370796	1221407595	1221452776	1221527072
1221348491	1221371408	1221408660	1221454427	1221527235
1221348711	1221371923	1221408722	1221454612	1221528199
1221348826	1221371981	1221408992	1221457022	1221531472
1221349269	1221371988	1221410212	1221459075	1221532530
1221349615	1221372055	1221410398	1221459379	1221532748
1221349988	1221372219	1221412108	1221459869	1221537681
1221350957	1221372845	1221412794	1221460555	1221544759
1221351508	1221374361	1221414800	1221461040	1221551920
1221351656	1221374605	1221416493	1221463250	1221558542
1221352194	1221375362	1221417661	1221465480	1221570187
1221352658	1221375576	1221419891	1221468106	1221578781
1221354479	1221377980	1221421294	1221468287	1520150329

Wipro Opus Risk Solutions LLC Privileged and Confidential Page 39

1520152341	1521046026	1521062200	1221430735
1520171732	1521046698	1521062362	1221454424
1521008585	1521047117	1521062855	1221465547
1521017178	1521047358	1521063465	1221470121
1521020388	1521047362	1521064485	1221475955
1521024284	1521047873	1521066552	1221513623
1521025778	1521048269	1521066651	1521064437
1521026675	1521048581	1521067144	1521066438
1521029994	1521048967	1521068175	1221473587
1521031196	1521049136	1521068693
1521031847	1521049719	1521069841
1521033123	1521050055	1521074954
1521033401	1521050062	1521062152
1521034866	1521050143	1521044588
1521035519	1521050601	1221410267
1521035775	1521051096	1220897971
1521036530	1521051242	1221480653
1521036598	1521052693	1221257822
1521036667	1521053097	1221293573
1521037143	1521054428	1221309210
1521037220	1521054814	1221310047
1521037293	1521055218	1221320271
1521037309	1521055651	1221322153
1521037545	1521055727	1221570798
1521037574	1521055769	1221242421
1521038144	1521055892	1221298811
1521038622	1521056031	1220786116
1521038626	1521056042	1220926238
1521039003	1521056051	1221248458
1521039079	1521056967	1221352774
1521039654	1521057409	1221392515
1521040657	1521057428	1521032223
1521042423	1521057863	1521036056
1521042445	1521058219	1521055910
1521043108	1521058943	1221151153
1521043158	1521059374	1221221440
1521043960	1521059378	1221288988
1521045286	1521060183	1221377410
1521045392	1521061773	1521045924
1521045845	1521061908	1221355699

If you have any questions, please contact Peter Butler at Peter.Butler1@wipro.com

Wipro Opus Risk Solutions LLC Privileged and Confidential Page 40

EX-99.2

Customer Loan ID

Channel

Rate Lock Date

Application Date

Borrower Employment Indicator

Co Borrower Employment Indicator

Borrower Citizenship Indicator

Co Borrower Citizenship Indicator

Residual Income

Points And Fees

Points And Fees Without Reductions

APR

Qualifying Interest Rate

Average Prime Offer Rate

GSE Eligibility

Originator QM/ATR Status

TPR QM/ATR Status

Non QM Reason

TRID

0000698970

Broker

3/26/2021

11/23/2020

Employed

Employed

US

US

$11,021.82

0.032

0.02999

3.14

Yes

Not Covered/Exempt

TRID

0000822828

Broker

3/23/2021

11/24/2020

Employed

Employed

US

US

$5,055.55

0.034

0.03250

3.14

Yes

Not Covered/Exempt

TRID

0000870949

Broker

3/26/2021

12/10/2020

Employed

US

$5,087.77

0.035

0.03250

3.14

Yes

Not Covered/Exempt

TRID

0000018784

Broker

4/12/2021

1/7/2021

Employed

US

$2,460.63

0.033

0.03000

3.19

Yes

Not Covered/Exempt

TRID

0000024248

Broker

3/11/2021

1/26/2021

Employed

US

$8,523.99

0.035

0.03375

3.07

Yes

Not Covered/Exempt

TRID

0000033175

Broker

3/5/2021

1/13/2021

Employed

Employed

US

US

$8,555.40

0.035

0.03375

3.02

Yes

Not Covered/Exempt

TRID

0000033183

Broker

3/5/2021

1/13/2021

Employed

Employed

US

US

$8,640.39

0.035

0.03375

3.02

Yes

Not Covered/Exempt

TRID

0000047473

Broker

4/28/2021

1/18/2021

Employed

Unemployed

US

US

$6,209.81

0.038

0.03490

3.02

Yes

Not Covered/Exempt

Pre-TRID

0000050205

Broker

3/24/2021

1/28/2021

Employed

US

$5,396.43

0.036

0.03375

3.14

Yes

Not Covered/Exempt

TRID

0000062486

Broker

3/4/2021

1/23/2021

Employed

US

$25,958.95

11615

11615

0.035

0.03375

3.02

Yes

TQM-ATR Pass/Non-HPML

TRID

0000065005

Broker

3/25/2021

1/25/2021

Employed

US

$3,977.90

0.035

0.03375

3.14

Yes

Not Covered/Exempt

TRID

0000067888

Broker

4/8/2021

1/24/2021

Employed

US

$53,405.87

0.034

0.03250

3.24

Yes

Not Covered/Exempt

TRID

0000069560

Broker

4/15/2021

1/25/2021

Employed

US

$7,408.52

0.034

0.03125

3.19

Yes

Not Covered/Exempt

TRID

0000072754

Broker

3/22/2021

1/26/2021

Employed

Employed

US

US

$21,939.92

3412

3412

0.035

0.03375

3.14

Yes

TQM-ATR Pass/Non-HPML

TRID

0000074358

Broker

3/10/2021

1/27/2021

Employed

Permanent Resident Alien

$7,716.67

0.034

0.03375

3.07

Yes

Not Covered/Exempt

TRID

0000077753

Broker

3/14/2021

2/5/2021

Employed

Employed

US

US

$5,711.82

0.031

0.02999

3.07

Yes

Not Covered/Exempt

TRID

0000096096

Broker

3/4/2021

1/28/2021

Employed

Employed

US

US

$9,014.03

0.034

0.03250

3.02

Yes

Not Covered/Exempt

TRID

0000096998

Broker

3/4/2021

1/28/2021

Employed

Employed

US

US

$9,446.77

0.034

0.03250

3.02

Yes

Not Covered/Exempt

TRID

0000125158

Broker

3/4/2021

2/2/2021

Employed

US

$11,040.03

0.032

0.02999

3.02

Yes

Not Covered/Exempt

TRID

0000126815

Broker

4/11/2021

2/2/2021

Employed

US

$14,084.50

0.033

0.02999

3.24

Yes

Not Covered/Exempt

TRID

0000131955

Broker

3/4/2021

2/24/2021

Employed

US

$3,238.68

0.034

0.03360

3.02

Yes

Not Covered/Exempt

TRID

0000132470

Broker

3/10/2021

2/3/2021

Employed

US

$4,115.42

0.034

0.03250

3.07

Yes

Not Covered/Exempt

TRID

0000135378

Broker

3/18/2021

2/5/2021

Retired

US

$6,356.85

0.033

0.03250

3.1

Yes

Not Covered/Exempt

TRID

0000139577

Broker

3/4/2021

2/6/2021

Employed

US

$4,646.60

0.033

0.03250

3.02

Yes

Not Covered/Exempt

Pre-TRID

0000149026

Broker

2/23/2021

2/11/2021

Employed

US

$8,101.59

0.034

0.03250

2.86

Yes

Not Covered/Exempt

TRID

0000155659

Broker

3/23/2021

2/11/2021

Retired

Employed

US

US

$10,113.78

0.032

0.02999

3.14

Yes

Not Covered/Exempt

TRID

0000157132

Broker

4/14/2021

2/13/2021

Employed

US

$6,536.79

0.034

0.03125

3.19

Yes

Not Covered/Exempt

TRID

0000166861

Broker

3/11/2021

2/17/2021

Retired

US

$3,164.58

0.034

0.03250

3.07

Yes

Not Covered/Exempt

TRID

0000169087

Broker

3/11/2021

2/22/2021

Employed

Unemployed

US

US

$11,419.49

0.034

0.03250

3.07

Yes

Not Covered/Exempt

TRID

0000171898

Broker

3/26/2021

2/19/2021

Employed

Employed

US

US

$5,745.36

0.034

0.03250

3.14

Yes

Not Covered/Exempt

TRID

0000172665

Broker

3/26/2021

2/19/2021

Retired

Retired

US

US

$8,000.72

0.034

0.03250

3.14

Yes

Not Covered/Exempt

TRID

0000174983

Broker

3/12/2021

3/10/2021

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

$6,630.44

0.034

0.03375

3.07

Yes

Not Covered/Exempt

TRID

0000177851

Broker

4/13/2021

2/22/2021

Retired

Employed

US

US

$5,647.17

0.034

0.03250

3.19

Yes

Not Covered/Exempt

TRID

0000179417

Broker

3/4/2021

2/22/2021

Retired

US

$4,145.69

0.033

0.03213

3.02

Yes

Not Covered/Exempt

TRID

0000179916

Broker

3/11/2021

2/24/2021

Employed

Unemployed

US

US

$6,918.60

0.034

0.03250

3.07

Yes

Not Covered/Exempt

TRID

0000180385

Broker

3/26/2021

2/23/2021

Employed

US

$2,616.61

0.036

0.03375

3.14

Yes

Not Covered/Exempt

TRID

0000181526

Broker

4/8/2021

2/23/2021

Employed

US

$9,844.73

0.034

0.03367

3.24

Yes

Not Covered/Exempt

TRID

0000182261

Broker

3/5/2021

2/23/2021

Employed

US

$5,095.36

0.034

0.03362

3.02

Yes

Not Covered/Exempt

TRID

0000189126

Broker

3/22/2021

2/26/2021

Retired

US

$4,884.59

0.034

0.03249

3.14

Yes

Not Covered/Exempt

TRID

0000190557

Broker

3/23/2021

3/1/2021

Employed

Employed

US

US

$5,060.21

0.034

0.03375

3.14

Yes

Not Covered/Exempt

TRID

0000191259

Broker

3/24/2021

2/26/2021

Employed

US

$4,028.76

4825

4825

0.036

0.03375

3.14

Yes

TQM-ATR Pass/Non-HPML

TRID

0000198474

Broker

3/9/2021

3/2/2021

Employed

US

$4,367.12

0.034

0.03279

3.07

Yes

Not Covered/Exempt

TRID

0000199290

Broker

3/4/2021

3/4/2021

Employed

US

$4,554.17

0.034

0.03375

3.02

Yes

Not Covered/Exempt

TRID

0000202061

Broker

3/4/2021

3/2/2021

Employed

US

$4,302.40

5781

5781

0.035

0.03375

3.02

Yes

TQM-ATR Pass/Non-HPML

TRID

0000202556

Broker

4/30/2021

3/11/2021

Employed

US

$4,363.96

2550

2550

0.034

0.03250

3.02

Yes

TQM-ATR Pass/Non-HPML

TRID

0000204229

Broker

3/9/2021

3/9/2021

Retired

US

$10,900.16

0.035

0.03375

3.07

Yes

Not Covered/Exempt

TRID

0000210258

Broker

3/9/2021

3/10/2021

Employed

US

$7,872.47

0.036

0.03375

3.07

Yes

Not Covered/Exempt

TRID

0000210332

Broker

4/15/2021

3/4/2021

Employed

US

$8,760.04

1055

1055

0.035

0.03375

3.19

Yes

TQM-ATR Pass/Non-HPML

TRID

0000212428

Broker

3/13/2021

3/4/2021

Employed

Unemployed

US

US

$8,924.56

0.035

0.03375

3.07

Yes

Not Covered/Exempt

TRID

0000212772

Broker

3/4/2021

3/8/2021

Employed

US

$4,360.56

4225

4225

0.035

0.03375

3.02

Yes

Not Covered/Exempt

TRID

0000212961

Broker

3/4/2021

3/5/2021

Employed

Employed

US

US

$11,434.41

0.035

0.03375

3.02

Yes

Not Covered/Exempt

TRID

0000213674

Broker

3/4/2021

3/4/2021

Retired

Unemployed

US

US

$12,269.45

0.033

0.03125

3.02

Yes

Not Covered/Exempt

TRID

0000214370

Broker

3/13/2021

3/4/2021

Employed

Employed

US

US

$4,037.09

0.035

0.03375

3.07

Yes

Not Covered/Exempt

TRID

0000214664

Broker

3/17/2021

3/4/2021

Employed

US

$11,831.49

0.035

0.03375

3.1

Yes

Not Covered/Exempt

TRID

0000214711

Broker

3/23/2021

3/5/2021

Employed

US

$6,800.27

0.034

0.03375

3.14

Yes

Not Covered/Exempt

TRID

0000214790

Broker

3/11/2021

3/10/2021

Unemployed

US

$1,084.08

0.036

0.03375

3.07

Yes

Not Covered/Exempt

TRID

0000217005

Broker

3/16/2021

3/18/2021

Employed

Unemployed

US

US

$8,749.72

0.033

0.03125

3.1

Yes

Not Covered/Exempt

TRID

0000218138

Broker

3/11/2021

3/5/2021

Employed

Employed

US

US

$11,072.70

0.035

0.03375

3.07

Yes

Not Covered/Exempt

TRID

0000218293

Broker

3/5/2021

3/5/2021

Employed

US

$8,964.83

0.034

0.03250

3.02

Yes

Not Covered/Exempt

TRID

0000218520

Broker

3/5/2021

3/6/2021

Employed

Employed

US

US

$11,193.87

0.035

0.03375

3.02

Yes

Not Covered/Exempt

TRID

0000218701

Broker

3/10/2021

3/7/2021

Employed

US

$20,285.47

3500

3500

0.035

0.03375

3.07

Yes

TQM-ATR Pass/Non-HPML

TRID

0000218827

Broker

3/5/2021

3/5/2021

Retired

US

$7,188.63

6853

6853

0.036

0.03375

3.02

Yes

TQM-ATR Pass/Non-HPML

TRID

0000218854

Broker

3/10/2021

3/7/2021

Employed

US

$20,318.31

3620

3620

0.035

0.03375

3.07

Yes

TQM-ATR Pass/Non-HPML

TRID

0000219554

Broker

3/5/2021

3/5/2021

Employed

US

$23,276.26

0.035

0.03291

3.02

Yes

Not Covered/Exempt

TRID

0000219983

Broker

3/23/2021

3/5/2021

Employed

US

$6,800.20

0.035

0.03375

3.14

Yes

Not Covered/Exempt

TRID

0000220089

Broker

3/10/2021

3/9/2021

Employed

Employed

US

US

$22,966.43

0.034

0.03375

3.07

Yes

Not Covered/Exempt

Pre-TRID

0000220597

Broker

3/12/2021

3/5/2021

Employed

Permanent Resident Alien

$4,059.89

0.032

0.02999

3.07

Yes

Not Covered/Exempt

TRID

0000220890

Broker

3/5/2021

3/5/2021

Employed

US

$54,195.12

0.033

0.03233

3.02

Yes

Not Covered/Exempt

TRID

0000221223

Broker

3/12/2021

3/5/2021

Employed

Unemployed

US

US

$27,553.80

0.034

0.03250

3.07

Yes

Not Covered/Exempt

TRID

0000221452

Broker

3/5/2021

3/8/2021

Retired

US

$7,508.77

0.034

0.03250

3.02

Yes

Not Covered/Exempt

TRID

0000223286

Broker

3/31/2021

3/5/2021

Retired

Retired

US

US

$2,624.15

0.035

0.03375

3.23

Yes

Not Covered/Exempt

TRID

0000223495

Broker

3/7/2021

3/7/2021

Employed

Employed

US

US

$11,353.46

0.035

0.03375

3.02

Yes

Not Covered/Exempt

TRID

0000223524

Broker

3/5/2021

3/9/2021

Employed

Employed

US

US

$9,631.75

0.036

0.03375

3.02

Yes

Not Covered/Exempt

TRID

0000223943

Broker

3/11/2021

3/16/2021

Employed

US

$16,439.59

0.035

0.03375

3.07

Yes

Not Covered/Exempt

TRID

0000224179

Broker

3/6/2021

3/8/2021

Employed

Employed

US

US

$6,546.48

0.033

0.03125

3.02

Yes

Not Covered/Exempt

Pre-TRID

0000226512

Broker

3/7/2021

3/9/2021

Employed

Employed

US

US

$16,309.01

0.033

0.03250

3.02

Yes

Not Covered/Exempt

TRID

0000226597

Broker

3/8/2021

3/8/2021

Retired

US

$4,556.27

0.035

0.03375

3.07

Yes

Not Covered/Exempt

TRID

0000229465

Broker

3/24/2021

3/8/2021

Employed

US

$3,929.99

0.035

0.03250

3.14

Yes

Not Covered/Exempt

TRID

0000229496

Broker

3/8/2021

3/8/2021

Employed

Unemployed

US

US

$37,693.57

0.036

0.03375

3.07

Yes

Not Covered/Exempt

TRID

0000230462

Broker

3/8/2021

3/8/2021

Employed

Employed

US

US

$3,954.84

0.035

0.03375

3.07

Yes

Not Covered/Exempt

TRID

0000230986

Broker

3/8/2021

3/8/2021

Employed

Permanent Resident Alien

$7,782.58

0.034

0.03375

3.07

Yes

Not Covered/Exempt

TRID

0000231551

Broker

3/8/2021

3/9/2021

Employed

Employed

US

US

$12,381.35

0.035

0.03375

3.07

Yes

Not Covered/Exempt

TRID

0000234071

Broker

3/12/2021

3/12/2021

Employed

Employed

US

Permanent Resident Alien

$12,506.22

0.035

0.03375

3.07

Yes

Not Covered/Exempt

TRID

0000235003

Broker

3/9/2021

3/9/2021

Employed

Employed

US

US

$14,760.50

0.034

0.03375

3.07

Yes

Not Covered/Exempt

TRID

0000236056

Broker

4/5/2021

3/9/2021

Employed

Employed

US

Permanent Resident Alien

$6,723.12

0.035

0.03459

3.24

Yes

Not Covered/Exempt

TRID

0000236774

Broker

4/13/2021

3/10/2021

Employed

Unemployed

US

US

$11,626.86

0.040

0.03625

3.19

Yes

Not Covered/Exempt

TRID

0000238603

Broker

3/11/2021

3/9/2021

Employed

Employed

US

US

$20,648.87

0.034

0.03375

3.07

Yes

Not Covered/Exempt

TRID

0000238638

Broker

3/10/2021

3/10/2021

Employed

US

$3,216.79

0.035

0.03375

3.07

Yes

Not Covered/Exempt

TRID

0000239936

Broker

3/11/2021

3/15/2021

Unemployed

Employed

US

US

$7,319.88

0.036

0.03375

3.07

Yes

Not Covered/Exempt

TRID

0000240302

Broker

3/4/2021

3/16/2021

Unemployed

Employed

Permanent Resident Alien

US

$21,101.53

0.031

0.02999

3.02

Yes

Not Covered/Exempt

TRID

0000240334

Broker

4/30/2021

3/10/2021

Employed

US

$5,878.91

0.037

0.03375

3.02

Yes

Not Covered/Exempt

TRID

0000240695

Broker

3/25/2021

3/11/2021

Employed

US

$2,008.46

2722

4448

0.034

0.03125

3.14

Yes

TQM-ATR Pass/Non-HPML

TRID

0000241550

Broker

4/12/2021

3/11/2021

Employed

US

$2,505.86

0.038

0.03625

3.19

Yes

Not Covered/Exempt

TRID

0000242854

Broker

3/22/2021

3/11/2021

Employed

US

$2,958.66

0.036

0.03375

3.14

Yes

Not Covered/Exempt

TRID

0000243252

Broker

3/16/2021

3/10/2021

Employed

Unemployed

US

US

$32,151.77

0.035

0.03375

3.1

Yes

Not Covered/Exempt

TRID

0000243591

Broker

5/3/2021

3/10/2021

Employed

US

$14,570.16

0.034

0.03375

3.03

Yes

Not Covered/Exempt

TRID

0000243771

Broker

3/10/2021

3/11/2021

Employed

Unemployed

US

US

$15,179.92

0.033

0.03250

3.07

Yes

Not Covered/Exempt

TRID

0000244135

Broker

3/10/2021

3/12/2021

Employed

US

$4,431.81

0.034

0.03368

3.07

Yes

Not Covered/Exempt

TRID

0000244728

Broker

3/12/2021

3/12/2021

Employed

US

$5,163.88

0.035

0.03375

3.07

Yes

Not Covered/Exempt

TRID

0000244742

Broker

3/10/2021

3/11/2021

Employed

Unemployed

US

US

$17,414.32

3657

3657

0.034

0.03250

3.07

Yes

TQM-ATR Pass/Non-HPML

TRID

0000247315

Broker

3/11/2021

3/11/2021

Employed

US

$6,184.82

0.035

0.03375

3.07

Yes

Not Covered/Exempt

TRID

0000247560

Broker

4/21/2021

3/11/2021

Retired

Employed

US

US

$4,302.49

0.036

0.03375

3.09

Yes

Not Covered/Exempt

TRID

0000248446

Broker

3/11/2021

3/12/2021

Employed

Unemployed

US

US

$34,894.55

0.034

0.03330

3.07

Yes

Not Covered/Exempt

TRID

0000248752

Broker

3/23/2021

3/11/2021

Employed

US

$10,871.11

0.036

0.03375

3.14

Yes

Not Covered/Exempt

Pre-TRID

0000249510

Broker

3/11/2021

3/12/2021

Employed

US

$14,386.50

3399

3399

0.035

0.03375

3.07

Yes

TQM-ATR Pass/Non-HPML

TRID

0000249524

Broker

3/11/2021

3/12/2021

Employed

US

$15,264.18

0.035

0.03375

3.07

Yes

Not Covered/Exempt

TRID

0000249783

Broker

3/25/2021

3/11/2021

Employed

US

$4,264.28

0.033

0.03250

3.14

Yes

Not Covered/Exempt

TRID

0000249853

Broker

3/11/2021

3/15/2021

Employed

Unemployed

US

US

$6,403.91

0.034

0.03369

3.07

Yes

Not Covered/Exempt

TRID

0000249863

Broker

3/11/2021

3/12/2021

Employed

US

$3,052.85

0.035

0.03250

3.07

Yes

Not Covered/Exempt

TRID

0000250303

Broker

3/11/2021

3/12/2021

Retired

US

$3,076.16

0.034

0.03375

3.07

Yes

Not Covered/Exempt

TRID

0000250404

Broker

3/24/2021

3/12/2021

Employed

Retired

US

US

$3,175.64

0.037

0.03375

3.14

Yes

Not Covered/Exempt

TRID

0000250448

Broker

4/12/2021

3/15/2021

Employed

US

$9,733.19

0.035

0.03375

3.19

Yes

Not Covered/Exempt

TRID

0000250690

Broker

4/1/2021

3/11/2021

Employed

US

$6,420.68

0.035

0.03375

3.23

Yes

Not Covered/Exempt

TRID

0000250779

Broker

3/15/2021

3/12/2021

Unemployed

US

$4,907.31

0.036

0.03375

3.1

Yes

Not Covered/Exempt

TRID

0000250837

Broker

3/11/2021

3/11/2021

Employed

US

$7,330.75

0.035

0.03375

3.07

Yes

Not Covered/Exempt

TRID

0000251394

Broker

3/10/2021

3/12/2021

Employed

Employed

US

US

$4,937.67

0.034

0.03250

3.07

Yes

Not Covered/Exempt

TRID

0000251447

Broker

3/29/2021

3/15/2021

Employed

US

$6,662.09

0.033

0.03250

3.23

Yes

Not Covered/Exempt

TRID

0000251612

Broker

3/12/2021

3/12/2021

Employed

US

$2,809.43

5687

5687

0.036

0.03375

3.07

Yes

TQM-ATR Pass/Non-HPML

TRID

0000251856

Broker

4/9/2021

3/13/2021

Retired

Retired

US

US

$6,128.53

0.034

0.03250

3.24

Yes

Not Covered/Exempt

TRID

0000254103

Broker

4/6/2021

3/12/2021

Retired

Retired

US

US

$2,265.76

2406

2406

0.033

0.03125

3.24

Yes

TQM-ATR Pass/Non-HPML

TRID

0000254109

Broker

3/11/2021

3/16/2021

Unemployed

Employed

US

US

$4,131.89

0.036

0.03375

3.07

Yes

Not Covered/Exempt

TRID

0000254302

Broker

3/12/2021

3/12/2021

Employed

US

$6,479.68

0.034

0.03375

3.07

Yes

Not Covered/Exempt

TRID

0000254308

Broker

3/12/2021

3/12/2021

Employed

US

$7,898.15

0.034

0.03375

3.07

Yes

Not Covered/Exempt

TRID

0000254859

Broker

3/12/2021

3/15/2021

Employed

US

$12,865.07

0.033

0.03250

3.07

Yes

Not Covered/Exempt

TRID

0000254891

Broker

3/12/2021

3/17/2021

Employed

US

$16,227.69

0.035

0.03375

3.07

Yes

Not Covered/Exempt

TRID

0000255099

Broker

3/15/2021

3/15/2021

Employed

US

$3,131.12

0.035

0.03375

3.1

Yes

Not Covered/Exempt

TRID

0000256478

Broker

3/15/2021

3/15/2021

Employed

Employed

US

US

$10,354.14

0.032

0.03125

3.1

Yes

Not Covered/Exempt

TRID

0000258308

Broker

3/13/2021

3/16/2021

Employed

US

$7,203.36

0.035

0.03375

3.07

Yes

Not Covered/Exempt

TRID

0000258383

Broker

3/15/2021

3/15/2021

Retired

US

$5,991.45

0.034

0.03250

3.1

Yes

Not Covered/Exempt

TRID

0000258947

Broker

4/1/2021

3/18/2021

Employed

Non-permanent Resident Alien

$19,943.95

0.035

0.03375

3.23

Yes

Not Covered/Exempt

TRID

0000259656

Broker

3/14/2021

3/15/2021

Employed

Employed

US

US

$6,301.69

0.036

0.03375

3.07

Yes

Not Covered/Exempt

TRID

0000259664

Broker

3/14/2021

3/14/2021

Employed

Employed

US

US

$27,739.97

0.035

0.03369

3.07

Yes

Not Covered/Exempt

TRID

0000259676

Broker

3/16/2021

3/17/2021

Employed

US

$4,210.15

9841

9841

0.035

0.03375

3.1

Yes

TQM-ATR Pass/Non-HPML

TRID

0000261615

Broker

3/15/2021

3/15/2021

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

$18,579.04

0.033

0.03250

3.1

Yes

Not Covered/Exempt

TRID

0000262070

Broker

5/10/2021

4/8/2021

Employed

Unemployed

US

US

$17,242.85

6070

6070

0.036

0.03375

3.01

Yes

TQM-ATR Pass/Non-HPML

TRID

0000262471

Broker

3/15/2021

3/15/2021

Employed

US

$12,926.57

0.033

0.03250

3.1

Yes

Not Covered/Exempt

TRID

0000263579

Broker

3/15/2021

3/15/2021

Employed

Employed

US

US

$9,776.35

0.033

0.03250

3.1

Yes

Not Covered/Exempt

TRID

0000264027

Broker

3/15/2021

3/17/2021

Unemployed

Employed

US

Permanent Resident Alien

$7,732.48

0.036

0.03375

3.1

Yes

Not Covered/Exempt

TRID

0000264824

Broker

3/16/2021

3/16/2021

Unemployed

Employed

US

US

$16,057.50

0.034

0.03375

3.1

Yes

Not Covered/Exempt

TRID

0000265035

Broker

3/16/2021

3/16/2021

Employed

US

$6,783.39

0.036

0.03375

3.1

Yes

Not Covered/Exempt

TRID

0000265061

Broker

3/16/2021

3/16/2021

Employed

Retired

US

US

$5,618.36

0.034

0.03250

3.1

Yes

Not Covered/Exempt

TRID

0000265595

Broker

3/23/2021

3/18/2021

Employed

US

$6,648.58

0.035

0.03375

3.14

Yes

Not Covered/Exempt

TRID

0000265747

Broker

3/16/2021

3/16/2021

Employed

US

$2,627.56

0.036

0.03375

3.1

Yes

Not Covered/Exempt

TRID

0000265822

Broker

3/24/2021

3/16/2021

Employed

Employed

US

Permanent Resident Alien

$3,625.12

0.036

0.03375

3.14

Yes

Not Covered/Exempt

TRID

0000266523

Broker

3/30/2021

3/16/2021

Employed

US

$17,925.21

0.032

0.03125

3.23

Yes

Not Covered/Exempt

TRID

0000267262

Broker

3/17/2021

3/17/2021

Employed

Unemployed

US

US

$6,667.01

0.036

0.03375

3.1

Yes

Not Covered/Exempt

TRID

0000268269

Broker

4/8/2021

3/17/2021

Employed

Unemployed

US

US

$30,724.44

0.033

0.03300

3.24

Yes

Not Covered/Exempt

TRID

0000270782

Broker

3/17/2021

3/18/2021

Employed

US

$20,371.44

0.036

0.03375

3.1

Yes

Not Covered/Exempt

TRID

0000271124

Broker

3/17/2021

3/18/2021

Employed

US

$5,646.72

4092

4092

0.035

0.03375

3.1

Yes

TQM-ATR Pass/Non-HPML

TRID

0000271329

Broker

3/25/2021

3/17/2021

Employed

US

$3,728.06

0.036

0.03375

3.14

Yes

Not Covered/Exempt

TRID

0000272233

Broker

4/9/2021

3/19/2021

Retired

US

$2,033.01

0.036

0.03375

3.24

Yes

Not Covered/Exempt

TRID

0000272435

Broker

3/19/2021

3/17/2021

Employed

Unemployed

US

US

$5,987.70

0.033

0.03250

3.1

Yes

Not Covered/Exempt

TRID

0000272807

Broker

3/23/2021

3/17/2021

Employed

Permanent Resident Alien

$16,496.66

3620

5309

0.035

0.03373

3.14

Yes

TQM-ATR Pass/Non-HPML

TRID

0000273386

Broker

3/24/2021

3/18/2021

Employed

US

$7,217.82

3305

4965

0.036

0.03375

3.14

Yes

TQM-ATR Pass/Non-HPML

TRID

0000274409

Broker

3/19/2021

3/18/2021

Retired

Retired

US

US

$3,634.75

0.035

0.03375

3.1

Yes

Not Covered/Exempt

TRID

0000274635

Broker

4/9/2021

3/22/2021

Retired

Retired

US

US

$6,049.77

0.035

0.03375

3.24

Yes

Not Covered/Exempt

TRID

0000275488

Broker

3/18/2021

3/22/2021

Employed

US

$10,796.62

0.035

0.03375

3.1

Yes

Not Covered/Exempt

TRID

0000275884

Broker

3/22/2021

3/22/2021

Retired

US

$3,072.41

0.036

0.03375

3.14

Yes

Not Covered/Exempt

TRID

0000276640

Broker

4/1/2021

3/18/2021

Employed

US

$10,890.96

0.035

0.03375

3.23

Yes

Not Covered/Exempt

Pre-TRID

0000277013

Broker

3/18/2021

3/18/2021

Retired

US

$3,162.59

0.035

0.03375

3.1

Yes

Not Covered/Exempt

TRID

0000278344

Broker

3/25/2021

3/18/2021

Employed

US

$3,842.74

0.035

0.03375

3.14

Yes

Not Covered/Exempt

TRID

0000278534

Broker

3/21/2021

3/18/2021

Employed

Non-permanent Resident Alien

$10,852.62

0.034

0.03375

3.1

Yes

Not Covered/Exempt

Pre-TRID

0000281649

Broker

3/22/2021

3/22/2021

Employed

US

$17,371.62

0.036

0.03375

3.14

Yes

Not Covered/Exempt

TRID

0000282318

Broker

3/30/2021

3/19/2021

Employed

US

$13,695.72

0.035

0.03375

3.23

Yes

Not Covered/Exempt

TRID

0000282564

Broker

3/22/2021

3/19/2021

Employed

Employed

Non-permanent Resident Alien

Non-permanent Resident Alien

$19,369.86

0.035

0.03375

3.14

Yes

Not Covered/Exempt

TRID

0000285787

Broker

3/31/2021

3/22/2021

Retired

US

$4,088.53

0.035

0.03375

3.23

Yes

Not Covered/Exempt

TRID

0000286224

Broker

4/6/2021

3/22/2021

Employed

US

$21,388.15

0.037

0.03625

3.24

Yes

Not Covered/Exempt

TRID

0000286410

Broker

3/22/2021

3/22/2021

Employed

US

$11,186.90

0.033

0.03194

3.14

Yes

Not Covered/Exempt

TRID

0000286566

Broker

3/29/2021

3/22/2021

Employed

Employed

US

US

$18,456.21

0.035

0.03375

3.23

Yes

Not Covered/Exempt

TRID

0000287991

Broker

3/22/2021

3/22/2021

Retired

US

$5,915.29

0.034

0.03250

3.14

Yes

Not Covered/Exempt

TRID

0000289121

Broker

3/23/2021

3/23/2021

Employed

US

$10,269.03

0.035

0.03375

3.14

Yes

Not Covered/Exempt

TRID

0000289368

Broker

3/22/2021

3/23/2021

Employed

Unemployed

US

US

$24,569.71

0.035

0.03375

3.14

Yes

Not Covered/Exempt

TRID

0000289743

Broker

3/25/2021

3/24/2021

Employed

US

$6,974.78

0.034

0.03375

3.14

Yes

Not Covered/Exempt

TRID

0000289826

Broker

3/29/2021

3/23/2021

Employed

US

$14,358.57

0.035

0.03375

3.23

Yes

Not Covered/Exempt

TRID

0000292835

Broker

4/28/2021

3/26/2021

Employed

US

$14,288.96

0.036

0.03375

3.02

Yes

Not Covered/Exempt

TRID

0000293673

Broker

3/24/2021

3/25/2021

Employed

US

$24,827.04

0.033

0.03250

3.14

Yes

Not Covered/Exempt

TRID

0000294271

Broker

3/29/2021

3/23/2021

Employed

US

$11,494.81

0.035

0.03375

3.23

Yes

Not Covered/Exempt

Pre-TRID

0000294410

Broker

3/23/2021

3/23/2021

Employed

Retired

US

US

$3,141.99

0.034

0.03375

3.14

Yes

Not Covered/Exempt

TRID

0000294855

Broker

3/23/2021

3/24/2021

Employed

US

$5,191.09

0.035

0.03375

3.14

Yes

Not Covered/Exempt

TRID

0000295327

Broker

4/12/2021

3/24/2021

Employed

US

$22,435.70

0.035

0.03375

3.19

Yes

Not Covered/Exempt

TRID

0000296516

Broker

3/31/2021

3/24/2021

Unemployed

Employed

US

US

$8,879.89

0.035

0.03375

3.23

Yes

Not Covered/Exempt

TRID

0000298389

Broker

3/25/2021

3/24/2021

Employed

US

$6,136.45

0.036

0.03375

3.14

Yes

Not Covered/Exempt

TRID

0000298484

Broker

4/6/2021

3/25/2021

Employed

US

$2,167.54

0.035

0.03375

3.24

Yes

Not Covered/Exempt

TRID

0000298550

Broker

3/25/2021

3/24/2021

Retired

Retired

US

US

$14,952.88

0.035

0.03375

3.14

Yes

Not Covered/Exempt

TRID

0000299265

Broker

4/7/2021

3/25/2021

Employed

US

$5,914.69

0.030

0.02750

3.24

Yes

Not Covered/Exempt

TRID

0000299432

Broker

4/1/2021

3/25/2021

Employed

Employed

US

Permanent Resident Alien

$9,308.89

0.033

0.02999

3.23

Yes

Not Covered/Exempt

TRID

0000299778

Broker

3/24/2021

3/24/2021

Employed

Unemployed

US

US

$26,137.68

0.033

0.03275

3.14

Yes

Not Covered/Exempt

TRID

0000300254

Broker

3/24/2021

3/24/2021

Employed

US

$8,519.06

0.034

0.03245

3.14

Yes

Not Covered/Exempt

TRID

0000301100

Broker

3/24/2021

3/24/2021

Employed

US

$8,176.55

0.034

0.03310

3.14

Yes

Not Covered/Exempt

TRID

0000301139

Broker

3/24/2021

3/24/2021

Employed

Unemployed

US

US

$13,508.49

0.034

0.03375

3.14

Yes

Not Covered/Exempt

TRID

0000301711

Broker

3/4/2021

3/29/2021

Employed

Employed

US

US

$13,844.85

0.035

0.03375

3.02

Yes

Not Covered/Exempt

TRID

0000301969

Broker

4/23/2021

3/29/2021

Employed

Permanent Resident Alien

$5,058.21

4588

4588

0.035

0.03375

3.09

Yes

TQM-ATR Pass/Non-HPML

TRID

0000302674

Broker

3/25/2021

3/24/2021

Employed

US

$11,520.13

0.034

0.03375

3.14

Yes

Not Covered/Exempt

TRID

0000302736

Broker

4/14/2021

3/25/2021

Employed

US

$13,416.52

3180

3180

0.037

0.03500

3.19

Yes

TQM-ATR Pass/Non-HPML

TRID

0000302800

Broker

3/25/2021

3/26/2021

Employed

Employed

US

US

$6,812.53

0.034

0.03250

3.14

Yes

Not Covered/Exempt

TRID

0000303004

Broker

3/25/2021

3/26/2021

Employed

US

$8,798.65

4169

4169

0.035

0.03375

3.14

Yes

TQM-ATR Pass/Non-HPML

TRID

0000304077

Broker

4/1/2021

3/25/2021

Employed

US

$4,680.72

0.035

0.03375

3.23

Yes

Not Covered/Exempt

TRID

0000304228

Broker

4/1/2021

3/25/2021

Employed

Employed

US

US

$6,237.92

0.039

0.03375

3.23

Yes

Not Covered/Exempt

TRID

0000304910

Broker

4/8/2021

3/30/2021

Employed

Unemployed

US

US

$7,095.22

0.033

0.03250

3.24

Yes

Not Covered/Exempt

Pre-TRID

0000304967

Broker

3/25/2021

3/25/2021

Employed

US

$10,567.60

0.032

0.03117

3.14

Yes

Not Covered/Exempt

TRID

0000305683

Broker

3/29/2021

3/26/2021

Employed

US

$4,722.99

0.035

0.03250

3.23

Yes

Not Covered/Exempt

TRID

0000305740

Broker

3/26/2021

3/26/2021

Employed

Unemployed

US

US

$8,604.15

15303

15303

0.035

0.03375

3.14

Yes

TQM-ATR Pass/Non-HPML

TRID

0000305958

Broker

3/26/2021

3/28/2021

Retired

Employed

US

US

$5,318.92

0.035

0.03375

3.14

Yes

Not Covered/Exempt

TRID

0000306071

Broker

4/21/2021

3/25/2021

Employed

US

$6,334.19

0.034

0.03250

3.09

Yes

Not Covered/Exempt

TRID

0000306197

Broker

3/25/2021

3/25/2021

Employed

US

$5,501.64

0.036

0.03375

3.14

Yes

Not Covered/Exempt

TRID

0000306415

Broker

3/25/2021

3/26/2021

Employed

Employed

US

US

$9,075.76

0.035

0.03375

3.14

Yes

Not Covered/Exempt

TRID

0000306588

Broker

3/26/2021

3/27/2021

Employed

US

$4,463.51

0.034

0.03250

3.14

Yes

Not Covered/Exempt

TRID

0000306961

Broker

3/26/2021

3/25/2021

Employed

Unemployed

US

US

$9,463.21

0.036

0.03375

3.14

Yes

Not Covered/Exempt

TRID

0000308674

Broker

3/26/2021

3/26/2021

Employed

US

$2,732.33

0.036

0.03375

3.14

Yes

Not Covered/Exempt

TRID

0000309195

Broker

3/26/2021

3/26/2021

Employed

Non-permanent Resident Alien

$3,710.60

0.035

0.03375

3.14

Yes

Not Covered/Exempt

TRID

0000309340

Broker

3/30/2021

3/29/2021

Employed

US

$5,347.04

0.035

0.03375

3.23

Yes

Not Covered/Exempt

TRID

0000309600

Broker

3/26/2021

3/26/2021

Employed

US

$5,350.64

2755

4008

0.037

0.03375

3.14

Yes

TQM-ATR Pass/Non-HPML

TRID

0000310039

Broker

3/31/2021

3/26/2021

Retired

Employed

US

US

$3,012.57

0.034

0.03375

3.23

Yes

Not Covered/Exempt

TRID

0000310811

Broker

3/26/2021

3/26/2021

Employed

Employed

US

US

$7,642.36

0.035

0.03375

3.14

Yes

Not Covered/Exempt

TRID

0000311894

Broker

4/7/2021

3/26/2021

Employed

Employed

US

US

$9,443.15

2580

2580

0.035

0.03375

3.24

Yes

TQM-ATR Pass/Non-HPML

TRID

0000311988

Broker

3/26/2021

3/29/2021

Employed

US

$50,897.17

16485

16485

0.036

0.03333

3.14

Yes

TQM-ATR Pass/Non-HPML

TRID

0000313817

Broker

4/2/2021

3/29/2021

Employed

US

$2,869.65

0.037

0.03625

3.23

Yes

Not Covered/Exempt

TRID

0000316202

Broker

3/28/2021

3/28/2021

Employed

US

$3,595.32

0.035

0.03375

3.14

Yes

Not Coverd/Exempt

TRID

0000318213

Broker

3/29/2021

3/29/2021

Employed

Unemployed

US

US

$16,605.75

0.034

0.03375

3.23

Yes

Not Covered/Exempt

TRID

0000318642

Broker

3/29/2021

3/29/2021

Employed

Retired

US

US

$15,965.33

0.035

0.03375

3.23

Yes

Not Covered/Exempt

Pre-TRID

0000320101

Broker

3/29/2021

3/29/2021

Employed

US

$2,912.53

0.038

0.03375

3.23

Yes

Not Covered/Exempt

TRID

0000320605

Broker

4/13/2021

3/29/2021

Employed

US

$3,755.26

0.034

0.02999

3.19

Yes

Not Covered/Exempt

TRID

0000320816

Broker

3/29/2021

3/30/2021

Employed

US

$58,330.96

0.035

0.03375

3.23

Yes

Not Covered/Exempt

TRID

0000321323

Broker

3/29/2021

3/30/2021

Retired

Unemployed

US

US

$2,228.32

0.035

0.03375

3.23

Yes

Not Covered/Exempt

TRID

0000321949

Broker

4/6/2021

4/6/2021

Employed

US

$4,288.71

0.036

0.03375

3.24

Yes

Not Covered/Exempt

TRID

0000322625

Broker

5/7/2021

3/30/2021

Employed

US

$6,497.34

13663

13663

0.037

0.03500

3.03

Yes

TQM-ATR Pass/Non-HPML

TRID

0000323043

Broker

3/31/2021

3/30/2021

Employed

US

$6,456.28

0.034

0.03250

3.23

Yes

Not Covered/Exempt

TRID

0000323604

Broker

3/30/2021

3/30/2021

Employed

Employed

US

US

$17,321.59

0.034

0.03125

3.23

Yes

Not Covered/Exempt

TRID

0000323767

Broker

4/12/2021

3/31/2021

Employed

Unemployed

US

US

$1,280.92

0.038

0.03625

3.19

Yes

Not Covered/Exempt

TRID

0000324128

Broker

3/30/2021

3/30/2021

Employed

US

$4,874.77

0.035

0.03375

3.23

Yes

Not Covered/Exempt

Pre-TRID

0000324229

Broker

3/31/2021

3/30/2021

Employed

US

$13,123.96

0.035

0.03375

3.23

Yes

Not Covered/Exempt

TRID

0000324253

Broker

4/1/2021

3/30/2021

Employed

US

$5,931.22

3788

3788

0.035

0.03250

3.23

Yes

TQM-ATR Pass/Non-HPML

TRID

0000324554

Broker

3/30/2021

4/1/2021

Employed

Unemployed

US

US

#########

0.035

0.03375

3.23

Yes

Not Covered/Exempt

TRID

0000324660

Broker

4/1/2021

3/30/2021

Employed

Unemployed

US

US

$12,266.92

0.034

0.03250

3.23

Yes

Not Covered/Exempt

TRID

0000324779

Broker

3/30/2021

3/30/2021

Employed

US

$15,360.98

0.033

0.03302

3.23

Yes

Not Covered/Exempt

TRID

0000325366

Broker

3/30/2021

3/31/2021

Unemployed

Employed

US

US

$5,449.53

0.034

0.03191

3.23

Yes

Not Covered/Exempt

TRID

0000326460

Broker

3/31/2021

3/31/2021

Employed

Employed

US

US

$3,646.71

0.036

0.03375

3.23

Yes

Not Covered/Exempt

TRID

0000328044

Broker

4/1/2021

3/31/2021

Employed

US

$3,549.92

0.035

0.03375

3.23

Yes

Not Covered/Exempt

TRID

0000328277

Broker

4/1/2021

3/31/2021

Employed

US

$2,752.47

0.031

0.02999

3.23

Yes

Not Covered/Exempt

TRID

0000328860

Broker

3/31/2021

3/31/2021

Employed

Employed

US

US

$8,768.64

0.035

0.03375

3.23

Yes

Not Covered/Exempt

TRID

0000329766

Broker

4/8/2021

3/31/2021

Retired

US

$2,131.07

0.034

0.03250

3.24

Yes

Not Covered/Exempt

Pre-TRID

0000330115

Broker

4/20/2021

4/1/2021

Retired

US

$2,027.81

0.037

0.03500

3.09

Yes

Not Covered/Exempt

TRID

0000331450

Broker

4/2/2021

4/1/2021

Employed

Employed

US

US

$8,035.76

0.035

0.03375

3.23

Yes

Not Covered/Exempt

TRID

0000331898

Broker

4/1/2021

4/1/2021

Employed

US

$15,333.88

2475

2475

0.035

0.03375

3.23

Yes

TQM-ATR Pass/Non-HPML

TRID

0000332054

Broker

4/1/2021

4/1/2021

Employed

US

$12,100.12

0.036

0.03375

3.23

Yes

Not Covered/Exempt

TRID

0000332450

Broker

4/1/2021

4/1/2021

Employed

US

$15,340.37

2800

2800

0.035

0.03375

3.23

Yes

TQM-ATR Pass/Non-HPML

TRID

0000332899

Broker

4/14/2021

4/2/2021

Employed

US

$9,610.28

0.033

0.03125

3.19

Yes

Not Covered/Exempt

TRID

0000334509

Broker

4/6/2021

4/2/2021

Unemployed

US

$479.16

2826

2826

0.035

0.03375

3.24

Yes

TQM-ATR Pass/Non-HPML

TRID

0000334828

Broker

4/13/2021

4/4/2021

Employed

Employed

US

Permanent Resident Alien

$28,861.17

0.034

0.03360

3.19

Yes

Not Covered/Exempt

TRID

0000334906

Broker

4/7/2021

4/25/2021

Employed

US

$5,031.66

0.036

0.03375

3.24

Yes

Not Covered/Exempt

TRID

0000335666

Broker

4/1/2021

4/2/2021

Employed

US

$6,795.91

2325

2325

0.036

0.03375

3.23

Yes

TQM-ATR Pass/Non-HPML

TRID

0000337615

Broker

4/6/2021

4/2/2021

Employed

US

$9,483.58

0.032

0.03056

3.24

Yes

Not Covered/Exempt

TRID

0000338008

Broker

4/2/2021

4/2/2021

Employed

US

$18,312.40

0.036

0.03500

3.23

Yes

Not Covered/Exempt

TRID

0000338183

Broker

4/2/2021

4/2/2021

Employed

Unemployed

US

US

$19,047.29

0.034

0.03381

3.23

Yes

Not Covered/Exempt

TRID

0000338457

Broker

4/14/2021

4/13/2021

Employed

US

$6,866.36

0.035

0.03500

3.19

Yes

Not Covered/Exempt

TRID

0000342747

Broker

4/5/2021

4/6/2021

Employed

Employed

US

US

$10,843.65

0.035

0.03375

3.24

Yes

Not Covered/Exempt

TRID

0000343147

Broker

4/5/2021

4/5/2021

Employed

Unemployed

US

US

$8,271.95

0.035

0.03375

3.24

Yes

Not Covered/Exempt

TRID

0000344093

Broker

4/7/2021

4/5/2021

Employed

US

$6,214.68

0.034

0.03375

3.24

Yes

Not Covered/Exempt

Pre-TRID

0000344226

Broker

5/7/2021

4/6/2021

Employed

US

$5,428.89

5074

5074

0.035

0.03250

3.03

Yes

TQM-ATR Pass/Non-HPML

TRID

0000346055

Broker

4/5/2021

4/6/2021

Employed

US

$15,427.88

0.035

0.03375

3.24

Yes

Not Covered/Exempt

TRID

0000346407

Broker

4/5/2021

4/6/2021

Employed

US

$10,775.87

0.035

0.03375

3.24

Yes

Not Covered/Exempt

TRID

0000347343

Broker

4/7/2021

4/6/2021

Employed

Employed

US

US

$10,664.93

0.034

0.03287

3.24

Yes

Not Covered/Exempt

TRID

0000349194

Broker

4/6/2021

4/7/2021

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

$12,779.19

0.032

0.03083

3.24

Yes

Not Covered/Exempt

TRID

0000349250

Broker

4/6/2021

4/6/2021

Employed

Employed

US

US

$13,067.72

0.036

0.03505

3.24

Yes

Not Covered/Exempt

TRID

0000349857

Broker

4/5/2021

4/6/2021

Employed

US

$7,502.02

0.037

0.03625

3.24

Yes

Not Covered/Exempt

Pre-TRID

0000350951

Broker

4/13/2021

4/7/2021

Employed

US

$20,871.57

0.034

0.03375

3.19

Yes

Not Covered/Exempt

TRID

0000352425

Broker

4/13/2021

4/7/2021

Employed

US

$4,376.00

0.035

0.03375

3.19

Yes

Not Covered/Exempt

Pre-TRID

0000352448

Broker

4/2/2021

4/14/2021

Employed

Unemployed

US

US

$7,403.20

0.035

0.03375

3.23

Yes

Not Covered/Exempt

TRID

0000352922

Broker

4/6/2021

4/6/2021

Unemployed

Unemployed

US

US

$5,901.07

3833

3833

0.035

0.03375

3.24

Yes

TQM-ATR Pass/Non-HPML

TRID

0000353417

Broker

4/6/2021

4/6/2021

Unemployed

Unemployed

US

US

$2,448.47

0.035

0.03375

3.24

Yes

Not Covered/Exempt

TRID

0000354970

Broker

4/14/2021

4/7/2021

Employed

Employed

US

US

$10,877.35

5242

5242

0.035

0.03336

3.19

Yes

TQM-ATR Pass/Non-HPML

TRID

0000355163

Broker

4/19/2021

4/21/2021

Employed

Employed

US

US

$19,137.17

0.036

0.03500

3.09

Yes

Not Covered/Exempt

TRID

0000355394

Broker

4/14/2021

4/7/2021

Employed

Employed

US

US

$9,172.17

0.038

0.03625

3.19

Yes

Not Covered/Exempt

TRID

0000355595

Broker

4/24/2021

4/9/2021

Retired

US

$6,333.35

0.035

0.03250

3.09

Yes

TQM-ATR Pass/Non-HPML

TRID

0000355644

Broker

4/9/2021

4/7/2021

Employed

Unemployed

US

US

$20,329.87

0.034

0.03317

3.24

Yes

Not Covered/Exempt

TRID

0000355690

Broker

4/6/2021

4/6/2021

Employed

US

$5,946.30

0.035

0.03250

3.24

Yes

Not Covered/Exempt

TRID

0000356859

Broker

4/13/2021

4/7/2021

Employed

US

$6,267.69

0.034

0.03375

3.19

Yes

Not Covered/Exempt

Pre-TRID

0000356942

Broker

4/7/2021

4/7/2021

Employed

Unemployed

US

US

$13,807.55

0.034

0.03375

3.24

Yes

Not Covered/Exempt

TRID

0000359896

Broker

4/26/2021

4/7/2021

Employed

Unemployed

US

US

$7,476.60

6530

6530

0.033

0.03125

3.02

Yes

TQM-ATR Pass/Non-HPML

TRID

0000360186

Broker

4/23/2021

4/7/2021

Employed

Employed

US

US

$9,729.64

1805

1805

0.035

0.03375

3.09

Yes

TQM-ATR Pass/Non-HPML

TRID

0000360495

Broker

4/7/2021

4/7/2021

Retired

US

$4,138.82

0.035

0.03375

3.24

Yes

Not Covered/Exempt

TRID

0000361567

Broker

4/7/2021

4/7/2021

Employed

US

$5,202.67

0.038

0.03500

3.24

Yes

Not Covered/Exempt

TRID

0000362377

Broker

4/7/2021

4/8/2021

Employed

Employed

US

US

$17,795.95

0.033

0.03250

3.24

Yes

Not Covered/Exempt

TRID

0000363341

Broker

4/27/2021

4/7/2021

Employed

Unemployed

US

US

$4,640.82

7395

7395

0.033

0.03125

3.02

Yes

TQM-ATR Pass/Non-HPML

TRID

0000363674

Broker

4/7/2021

4/7/2021

Employed

Unemployed

US

US

$21,298.74

0.035

0.03375

3.24

Yes

Not Covered/Exempt

TRID

0000364200

Broker

4/7/2021

4/7/2021

Employed

US

$6,218.22

0.035

0.03375

3.24

Yes

Not Covered/Exempt

TRID

0000366960

Broker

4/8/2021

4/8/2021

Employed

Unemployed

US

US

$10,750.88

0.034

0.03375

3.24

Yes

Not Covered/Exempt

TRID

0000370568

Broker

4/28/2021

4/9/2021

Employed

US

$7,291.70

0.032

0.02999

3.02

Yes

Not Covered/Exempt

TRID

0000370630

Broker

4/9/2021

4/9/2021

Employed

US

$2,047.09

0.038

0.03598

3.24

Yes

Not Covered/Exempt

TRID

0000371972

Broker

4/30/2021

4/9/2021

Unemployed

US

$2,610.78

0.038

0.03500

3.02

Yes

Not Covered/Exempt

TRID

0000372135

Broker

4/19/2021

4/9/2021

Retired

US

$5,792.71

0.035

0.03375

3.09

Yes

Not Covered/Exempt

TRID

0000372434

Broker

4/8/2021

4/8/2021

Employed

US

$21,122.29

8218

8218

0.036

0.03500

3.24

Yes

TQM-ATR Pass/Non-HPML

TRID

0000372684

Broker

4/8/2021

4/9/2021

Employed

US

$4,816.66

0.034

0.03310

3.24

Yes

Not Covered/Exempt

TRID

0000372742

Broker

4/23/2021

4/12/2021

Employed

US

$5,387.11

0.036

0.03500

3.09

Yes

Not Covered/Exempt

TRID

0000373534

Broker

5/6/2021

4/9/2021

Employed

US

$5,214.67

0.037

0.03625

3.03

Yes

Not Covered/Exempt

TRID

0000374126

Broker

4/13/2021

4/9/2021

Employed

US

$3,624.90

0.035

0.03441

3.19

Yes

Not Covered/Exempt

TRID

0000374314

Broker

4/13/2021

4/9/2021

Employed

US

$10,234.29

0.033

0.03250

3.19

Yes

Not Covered/Exempt

TRID

0000374594

Broker

4/9/2021

4/12/2021

Employed

Unemployed

US

US

$5,864.39

0.035

0.03346

3.24

Yes

Not Covered/Exempt

TRID

0000376500

Broker

4/9/2021

4/9/2021

Employed

US

$4,876.58

5462

5462

0.036

0.03500

3.24

Yes

TQM-ATR Pass/Non-HPML

TRID

0000376713

Broker

4/9/2021

4/13/2021

Employed

Employed

US

US

$10,000.73

0.037

0.03625

3.24

Yes

Not Covered/Exempt

TRID

0000376804

Broker

4/9/2021

4/13/2021

Employed

US

$4,716.35

0.034

0.03346

3.24

Yes

Not Covered/Exempt

TRID

0000376910

Broker

4/12/2021

4/12/2021

Retired

Retired

US

US

$3,148.08

0.038

0.03500

3.19

Yes

Not Covered/Exempt

TRID

0000378683

Broker

4/13/2021

4/10/2021

Employed

US

$10,274.07

2538

2538

0.035

0.03375

3.19

Yes

TQM-ATR Pass/Non-HPML

TRID

0000379442

Broker

4/12/2021

4/12/2021

Employed

Non-permanent Resident Alien

$7,041.64

0.033

0.03250

3.19

Yes

Not Covered/Exempt

TRID

0000380641

Broker

4/12/2021

4/12/2021

Employed

US

$88,690.37

0.034

0.03331

3.19

Yes

Not Covered/Exempt

Pre-TRID

0000383371

Broker

4/12/2021

4/12/2021

Employed

Permanent Resident Alien

$7,542.24

0.034

0.03375

3.19

Yes

Not Covered/Exempt

TRID

0000383642

Broker

4/15/2021

4/12/2021

Employed

Unemployed

US

US

$4,555.75

0.036

0.03507

3.19

Yes

Not Covered/Exempt

TRID

0000384992

Broker

4/12/2021

4/12/2021

Employed

Unemployed

US

US

$8,636.77

0.034

0.03375

3.19

Yes

Not Covered/Exempt

TRID

0000385232

Broker

4/12/2021

4/12/2021

Employed

US

$12,026.66

0.035

0.03500

3.19

Yes

Not Covered/Exempt

TRID

0000385979

Broker

4/12/2021

4/15/2021

Employed

Unemployed

US

US

$11,404.89

0.035

0.03439

3.19

Yes

Not Covered/Exempt

TRID

0000386754

Broker

4/29/2021

4/13/2021

Employed

US

$2,155.22

0.037

0.03625

3.02

Yes

Not Covered/Exempt

Pre-TRID

0000387916

Broker

4/13/2021

4/13/2021

Employed

Unemployed

US

US

$7,636.04

0.035

0.03440

3.19

Yes

Not Covered/Exempt

TRID

0000396609

Broker

5/12/2021

4/14/2021

Employed

US

$11,819.56

0.037

0.03625

3.01

Yes

Not Covered/Exempt

TRID

0000398380

Broker

4/23/2021

4/23/2021

Employed

US

$5,389.40

0.033

0.03200

3.09

Yes

Not Covered/Exempt

TRID

0000400208

Broker

4/14/2021

4/15/2021

Employed

US

$4,818.55

0.036

0.03375

3.19

Yes

Not Covered/Exempt

TRID

0000402032

Broker

4/23/2021

4/16/2021

Employed

Employed

US

US

$4,338.69

0.038

0.03625

3.09

Yes

Not Covered/Exempt

TRID

0000404552

Broker

4/14/2021

4/15/2021

Employed

US

$6,426.12

0.038

0.03625

3.19

Yes

Not Covered/Exempt

TRID

0000404785

Broker

4/15/2021

4/15/2021

Employed

US

$6,426.12

0.038

0.03625

3.19

Yes

Not Covered/Exempt

TRID

0000406374

Broker

4/15/2021

4/15/2021

Employed

Employed

US

US

$5,803.47

0.037

0.03625

3.19

Yes

Not Covered/Exempt

TRID

0000407322

Broker

4/15/2021

4/15/2021

Employed

Permanent Resident Alien

$4,953.43

0.038

0.03625

3.19

Yes

Not Covered/Exempt

TRID

0000408931

Broker

4/17/2021

4/17/2021

Employed

US

$48,418.84

0.033

0.03250

3.19

Yes

Not Covered/Exempt

TRID

0000409326

Broker

4/17/2021

4/17/2021

Employed

US

$48,978.34

1055

1055

0.033

0.03250

3.19

Yes

TQM-ATR Pass/Non-HPML

TRID

0000410776

Broker

4/15/2021

4/16/2021

Employed

US

$11,149.53

5455

5455

0.036

0.03500

3.19

Yes

TQM-ATR Pass/Non-HPML

TRID

0000412763

Broker

4/15/2021

4/16/2021

Employed

US

$5,664.75

8697

8697

0.037

0.03625

3.19

Yes

TQM-ATR Pass/Non-HPML

TRID

0000424520

Broker

4/28/2021

4/19/2021

Employed

US

$6,292.90

7590

7590

0.036

0.03375

3.02

Yes

TQM-ATR Pass/Non-HPML

TRID

0000426292

Broker

4/21/2021

4/20/2021

Employed

US

$5,888.29

0.037

0.03500

3.09

Yes

TQM-ATR Pass/Non-HPML

TRID

0000426457

Broker

4/19/2021

4/19/2021

Employed

Retired

US

US

$5,389.96

0.035

0.03250

3.09

Yes

Not Covered/Exempt

TRID

0000427083

Broker

4/12/2021

4/21/2021

Employed

Unemployed

US

US

$18,703.46

3295

3295

0.037

0.03625

3.19

Yes

TQM-ATR Pass/Non-HPML

TRID

0000427912

Broker

4/20/2021

4/20/2021

Employed

Employed

US

US

$13,070.29

0.037

0.03500

3.09

Yes

Not Covered/Exempt

TRID

0000428084

Broker

4/20/2021

4/20/2021

Retired

US

$6,314.79

3771

3771

0.034

0.03250

3.09

Yes

TQM-ATR Pass/Non-HPML

TRID

0000429063

Broker

4/20/2021

4/22/2021

Unemployed

Employed

US

US

$30,233.15

0.035

0.03491

3.09

Yes

Not Covered/Exempt

TRID

0000429450

Broker

5/11/2021

4/20/2021

Employed

US

$6,538.09

0.034

0.03375

3.01

Yes

Not Covered/Exempt

TRID

0000430479

Broker

4/21/2021

4/21/2021

Employed

US

$2,389.24

8424

8424

0.034

0.03250

3.09

Yes

TQM-ATR Pass/Non-HPML

TRID

0000430801

Broker

4/22/2021

4/20/2021

Employed

Unemployed

US

US

$8,616.21

6853

6853

0.037

0.03500

3.09

Yes

TQM-ATR Pass/Non-HPML

TRID

0000432239

Broker

4/21/2021

4/23/2021

Employed

US

$7,354.04

10851

10851

0.039

0.03625

3.09

Yes

TQM-ATR Pass/Non-HPML

TRID

0000434666

Broker

4/24/2021

4/21/2021

Employed

US

$3,547.68

0.035

0.03375

3.09

Yes

Not Covered/Exempt

TRID

0000436243

Broker

5/11/2021

4/26/2021

Employed

Permanent Resident Alien

$34,944.50

0.035

0.03375

3.01

Yes

Not Covered/Exempt

TRID

0000436469

Broker

4/22/2021

4/21/2021

Employed

Permanent Resident Alien

$1,712.83

5631

5631

0.035

0.03375

3.09

Yes

TQM-ATR Pass/Non-HPML

TRID

0000437670

Broker

4/22/2021

4/22/2021

Employed

Unemployed

US

US

$17,319.11

11374

11374

0.036

0.03500

3.09

Yes

TQM-ATR Pass/Non-HPML

TRID

0000439226

Broker

5/10/2021

4/22/2021

Employed

Employed

US

US

$4,025.19

0.038

0.03625

3.01

Yes

Not Covered/Exempt

TRID

0000439428

Broker

5/19/2021

4/23/2021

Employed

Employed

US

US

$12,216.75

0.033

0.03250

2.99

Yes

Not Covered/Exempt

TRID

0000441522

Broker

4/22/2021

4/22/2021

Employed

US

$6,726.70

7541

7541

0.037

0.03625

3.09

Yes

TQM-ATR Pass/Non-HPML

TRID

0000441966

Broker

4/23/2021

4/23/2021

Employed

US

$4,951.41

15247

15247

0.037

0.03625

3.09

Yes

TQM-ATR Pass/Non-HPML

TRID

0000441981

Broker

5/26/2021

4/22/2021

Employed

US

$9,314.40

0.035

0.03375

3.05

Yes

Not Covered/Exempt

TRID

0000442170

Broker

4/22/2021

4/22/2021

Employed

US

$8,009.08

0.034

0.03250

3.09

Yes

Not Covered/Exempt

TRID

0000442300

Broker

4/22/2021

4/23/2021

Employed

US

$5,218.95

0.035

0.03375

3.09

Yes

Not Covered/Exempt

TRID

0000444696

Broker

5/5/2021

5/13/2021

Employed

US

$6,280.07

0.035

0.03498

3.03

Yes

Not Covered/Exempt

Pre-TRID

0000446219

Broker

5/6/2021

4/27/2021

Employed

Unemployed

US

US

$15,646.01

3782

3782

0.037

0.03625

3.03

Yes

TQM-ATR Pass/Non-HPML

TRID

0000446260

Broker

4/23/2021

4/24/2021

Employed

Employed

US

US

$9,731.43

4846

9396

0.038

0.03625

3.09

Yes

TQM-ATR Pass/Non-HPML

TRID

0000452621

Broker

4/26/2021

4/26/2021

Unemployed

Employed

US

US

$23,075.35

0.032

0.02999

3.02

Yes

Not Covered/Exempt

TRID

0000460222

Broker

4/27/2021

5/2/2021

Retired

US

$3,994.93

0.036

0.03500

3.02

Yes

Not Covered/Exempt

TRID

0000462831

Broker

4/28/2021

4/29/2021

Employed

US

$7,751.38

5213

5213

0.036

0.03500

3.02

Yes

TQM-ATR Pass/Non-HPML

TRID

0000463034

Broker

4/28/2021

4/28/2021

Unemployed

US

$19,589.37

0.035

0.03375

3.02

Yes

Not Covered/Exempt

TRID

0000463470

Broker

5/18/2021

4/29/2021

Employed

Employed

US

US

$18,735.40

4368

4368

0.038

0.03625

2.99

Yes

TQM-ATR Pass/Non-HPML

TRID

0000463686

Broker

4/28/2021

4/29/2021

Employed

US

$4,205.46

0.035

0.03490

3.02

Yes

Not Covered/Exempt

TRID

0000465027

Broker

5/19/2021

4/29/2021

Employed

Unemployed

US

US

$4,168.63

0.039

0.03625

2.99

Yes

Not Covered/Exempt

TRID

0000465098

Broker

5/18/2021

4/30/2021

Employed

US

$2,429.97

0.037

0.03500

2.99

Yes

Not Covered/Exempt

TRID

0000465807

Broker

5/17/2021

4/29/2021

Employed

US

$4,863.42

0.035

0.03428

2.99

Yes

Not Covered/Exempt

TRID

0000470164

Broker

5/5/2021

5/5/2021

Unemployed

US

$15,547.61

0.035

0.03500

3.03

Yes

Not Covered/Exempt

TRID

0000473765

Broker

5/4/2021

5/3/2021

Employed

Employed

US

US

$45,192.61

0.034

0.03375

3.03

Yes

Not Covered/Exempt

TRID

0000474012

Broker

5/3/2021

4/30/2021

Employed

Unemployed

US

US

$6,704.04

0.037

0.03625

3.03

Yes

Not Covered/Exempt

TRID

0000475066

Broker

5/10/2021

5/10/2021

Employed

Employed

US

US

$9,279.92

0.035

0.03375

3.01

Yes

Not Covered/Exempt

TRID

0000480447

Broker

5/20/2021

5/3/2021

Retired

Unemployed

US

US

$13,476.54

0.034

0.03250

2.99

Yes

Not Covered/Exempt

Pre-TRID

0000480806

Broker

5/4/2021

5/3/2021

Employed

US

$9,756.46

0.035

0.03299

3.03

Yes

Not Covered/Exempt

Pre-TRID

0000482888

Broker

5/4/2021

5/3/2021

Employed

US

$6,096.26

0.033

0.03250

3.03

Yes

Not Covered/Exempt

TRID

0000485605

Broker

5/4/2021

5/4/2021

Employed

US

$65,509.34

0.033

0.03125

3.03

Yes

Not Covered/Exempt

TRID

0000486165

Broker

5/16/2021

5/5/2021

Employed

Employed

US

US

$12,326.12

0.034

0.03250

3.01

Yes

Not Covered/Exempt

TRID

0000486834

Broker

5/11/2021

5/4/2021

Employed

US

$421.00

0.032

0.03000

3.01

Yes

Not Covered/Exempt

TRID

0000489790

Broker

5/4/2021

5/4/2021

Employed

US

$11,143.41

0.035

0.03478

3.03

Yes

Not Covered/Exempt

TRID

0000494958

Broker

5/4/2021

5/4/2021

Employed

Unemployed

US

US

$4,824.54

0.034

0.03250

3.03

Yes

Not Covered/Exempt

TRID

0000500865

Broker

5/12/2021

5/6/2021

Employed

US

$8,336.40

4789

4789

0.037

0.03625

3.01

Yes

TQM-ATR Pass/Non-HPML

TRID

0000500906

Broker

5/18/2021

5/5/2021

Employed

US

$5,554.78

0.039

0.03625

2.99

Yes

Not Covered/Exempt

Pre-TRID

0000501846

Broker

4/28/2021

5/5/2021

Employed

Permanent Resident Alien

$5,949.49

0.033

0.03217

3.02

Yes

Not Covered/Exempt

TRID

0000505228

Broker

5/24/2021

5/7/2021

Employed

US

$5,682.22

0.035

0.03375

3.05

Yes

Not Covered/Exempt

TRID

0000506240

Broker

5/20/2021

5/7/2021

Employed

US

$13,095.70

0.037

0.03625

2.99

Yes

Not Covered/Exempt

Pre-TRID

0000511939

Broker

5/6/2021

5/6/2021

Employed

US

$11,312.46

0.031

0.02875

3.03

Yes

Not Covered/Exempt

TRID

0000512025

Broker

5/7/2021

5/6/2021

Employed

US

$13,077.97

0.033

0.03250

3.03

Yes

Not Covered/Exempt

TRID

0000514371

Broker

5/7/2021

5/7/2021

Employed

US

$9,126.14

0.034

0.03194

3.03

Yes

Not Covered/Exempt

TRID

0000519176

Broker

5/7/2021

5/7/2021

Employed

US

$11,273.87

0.033

0.03250

3.03

Yes

Not Covered/Exempt

TRID

0000519350

Broker

5/24/2021

5/7/2021

Employed

US

$4,663.50

0.038

0.03625

3.05

Yes

Not Covered/Exempt

TRID

0000519590

Broker

5/7/2021

5/7/2021

Employed

US

$4,007.48

5643

5643

0.037

0.03500

3.03

Yes

TQM-ATR Pass/Non-HPML

TRID

0000521711

Broker

5/7/2021

5/7/2021

Employed

Unemployed

Non-permanent Resident Alien

Permanent Resident Alien

$25,361.94

0.032

0.03125

3.03

Yes

Not Covered/Exempt

Pre-TRID

0000525766

Broker

5/10/2021

5/10/2021

Employed

US

$8,261.45

0.035

0.03500

3.01

Yes

Not Covered/Exempt

TRID

0000527598

Broker

5/20/2021

5/10/2021

Employed

Unemployed

US

US

$7,571.83

0.033

0.03250

2.99

Yes

Not Covered/Exempt

Pre-TRID

0000529544

Broker

5/22/2021

5/11/2021

Employed

US

$3,390.82

0.037

0.03625

2.99

Yes

Not Covered/Exempt

Pre-TRID

0000530846

Broker

5/11/2021

5/11/2021

Employed

US

$5,335.79

0.034

0.03289

3.01

Yes

Not Covered/Exempt

TRID

0000531183

Broker

5/27/2021

5/11/2021

Retired

Retired

US

US

$12,459.67

9736

9736

0.036

0.03500

3.05

Yes

TQM-ATR Pass/Non-HPML

TRID

0000532696

Broker

5/11/2021

5/11/2021

Employed

US

$6,291.75

0.035

0.03375

3.01

Yes

Not Covered/Exempt

TRID

0000533079

Broker

5/11/2021

5/11/2021

Employed

Unemployed

US

US

$6,830.82

4593

4593

0.034

0.03375

2.38

Yes

Not Covered/Exempt

TRID

0000533116

Broker

5/27/2021

5/11/2021

Employed

US

$8,918.75

0.033

0.03278

3.05

Yes

Not Covered/Exempt

TRID

0000537007

Broker

5/12/2021

5/13/2021

Employed

Unemployed

US

US

$17,631.09

0.034

0.03363

3.01

Yes

Not Covered/Exempt

TRID

0000540977

Broker

5/24/2021

5/13/2021

Employed

Permanent Resident Alien

$9,666.99

0.032

0.03125

3.05

Yes

Not Covered/Exempt

Pre-TRID

0000547025

Broker

5/13/2021

5/13/2021

Employed

US

$20,850.01

0.036

0.03500

3.01

Yes

Not Covered/Exempt

TRID

0000552552

Broker

5/17/2021

5/17/2021

Employed

Unemployed

US

US

$2,105.50

0.034

0.03250

2.99

Yes

Not Covered/Exempt

TRID

0000557527

Broker

5/17/2021

5/17/2021

Employed

US

$6,949.72

3379

3379

0.038

0.03625

2.99

Yes

TQM-ATR Pass/Non-HPML

TRID

0000002584

Correspondent Flow without delegated underwriting

3/4/2021

1/7/2021

Employed

US

$7,051.73

0.034

0.03250

3.02

Yes

Not Covered/Exempt

TRID

0000015598

Correspondent Flow without delegated underwriting

3/4/2021

1/28/2021

Retired

Retired

US

US

$7,515.14

0.033

0.02999

3.02

Yes

Not Covered/Exempt

TRID

0000015674

Correspondent Flow without delegated underwriting

4/6/2021

1/31/2021

Employed

US

$5,214.17

0.034

0.02990

3.24

Yes

Not Covered/Exempt

TRID

0000016199

Correspondent Flow without delegated underwriting

3/5/2021

1/27/2021

Employed

Non-permanent Resident Alien

$6,324.43

0.033

0.03250

3.02

Yes

Not Covered/Exempt

TRID

0000017286

Correspondent Flow without delegated underwriting

2/11/2021

2/4/2021

Employed

US

$14,213.65

0.032

0.03125

2.78

Yes

Not Covered/Exempt

TRID

0000018301

Correspondent Flow without delegated underwriting

3/16/2021

2/3/2021

Employed

US

$5,967.86

8517

8517

0.036

0.03375

3.1

Yes

TQM-ATR Pass/Non-HPML

TRID

0000019226

Correspondent Flow without delegated underwriting

3/2/2021

2/4/2021

Employed

US

$20,849.37

2320

2320

0.037

0.03625

3.02

Yes

TQM-ATR Pass/Non-HPML

TRID

0000020419

Correspondent Flow without delegated underwriting

3/31/2021

2/9/2021

Employed

US

$6,417.17

0.034

0.03250

3.23

Yes

Not Covered/Exempt

TRID

0000020767

Correspondent Flow without delegated underwriting

2/25/2021

2/8/2021

Employed

US

$6,331.19

0.033

0.03199

2.86

Yes

Not Covered/Exempt

TRID

0000021008

Correspondent Flow without delegated underwriting

3/16/2021

2/10/2021

Employed

US

$9,521.89

0.033

0.03150

3.1

Yes

Not Covered/Exempt

TRID

0000024582

Correspondent Flow without delegated underwriting

3/9/2021

2/18/2021

Employed

US

$11,520.24

0.031

0.02875

3.07

Yes

Not Covered/Exempt

TRID

0000030478

Correspondent Flow without delegated underwriting

3/4/2021

3/3/2021

Employed

Unemployed

US

$6,227.08

0.036

0.03375

3.02

Yes

Not Covered/Exempt

TRID

0000031585

Correspondent Flow without delegated underwriting

3/5/2021

3/5/2021

US

$9,549.08

0.036

0.03374

3.02

Yes

Not Covered/Exempt

TRID

0000031780

Correspondent Flow without delegated underwriting

3/5/2021

3/5/2021

Unemployed

US

$9,381.29

0.036

0.03374

3.02

Yes

Not Covered/Exempt

TRID

0000032363

Correspondent Flow without delegated underwriting

3/7/2021

3/7/2021

Retired

US

$7,679.42

0.035

0.03250

3.02

Yes

Not Covered/Exempt

TRID

0000034088

Correspondent Flow without delegated underwriting

3/9/2021

3/9/2021

Employed

Employed

Permanent Resident Alien

US

$2,775.56

0.034

0.03199

3.07

Yes

Not Covered/Exempt

TRID

0000034172

Correspondent Flow without delegated underwriting

3/9/2021

3/9/2021

Employed

US

$6,370.32

0.033

0.03247

3.07

Yes

Not Covered/Exempt

TRID

0000034314

Correspondent Flow without delegated underwriting

3/10/2021

3/10/2021

Employed

Employed

US

US

$17,233.37

0.035

0.03375

3.07

Yes

Not Covered/Exempt

TRID

0000034478

Correspondent Flow without delegated underwriting

3/23/2021

3/10/2021

Retired

Employed

US

US

$6,321.31

0.035

0.03375

3.14

Yes

Not Covered/Exempt

TRID

0000034619

Correspondent Flow without delegated underwriting

3/10/2021

3/10/2021

Retired

Employed

US

US

$11,140.52

5049

5049

0.035

0.03375

3.07

Yes

Not Covered/Exempt

TRID

0000035068

Correspondent Flow without delegated underwriting

3/10/2021

3/11/2021

Employed

US

$79,907.59

0.031

0.02999

3.07

Yes

Not Covered/Exempt

TRID

0000035828

Correspondent Flow without delegated underwriting

3/11/2021

3/15/2021

Employed

US

$15,184.88

0.032

0.03125

3.07

Yes

Not Covered/Exempt

TRID

0000035982

Correspondent Flow without delegated underwriting

3/12/2021

3/9/2021

Employed

US

$12,668.25

0.036

0.03375

3.07

Yes

Not Covered/Exempt

TRID

0000036171

Correspondent Flow without delegated underwriting

3/15/2021

3/16/2021

Employed

US

$12,160.79

0.034

0.03250

3.1

Yes

Not Covered/Exempt

TRID

0000036573

Correspondent Flow without delegated underwriting

3/24/2021

3/12/2021

Employed

US

$3,337.85

0.036

0.03375

3.14

Yes

Not Covered/Exempt

TRID

0000037164

Correspondent Flow without delegated underwriting

3/15/2021

3/15/2021

Employed

US

$4,147.64

0.035

0.03375

3.1

Yes

Not Covered/Exempt

TRID

0000037614

Correspondent Flow without delegated underwriting

3/16/2021

3/15/2021

Employed

US

$6,796.53

0.033

0.03250

3.1

Yes

Not Covered/Exempt

TRID

0000037890

Correspondent Flow without delegated underwriting

3/25/2021

3/16/2021

Employed

Employed

US

US

$14,147.11

0.035

0.03375

3.14

Yes

Not Covered/Exempt

TRID

0000038639

Correspondent Flow without delegated underwriting

4/9/2021

3/16/2021

Employed

Employed

US

Permanent Resident Alien

$16,224.68

0.034

0.03250

3.24

Yes

Not Covered/Exempt

TRID

0000038641

Correspondent Flow without delegated underwriting

3/16/2021

3/18/2021

Employed

US

$6,933.67

0.033

0.03250

3.1

Yes

Not Covered/Exempt

TRID

0000038874

Correspondent Flow without delegated underwriting

3/17/2021

3/16/2021

Employed

Unemployed

US

US

$21,716.01

0.034

0.03250

3.1

Yes

Not Covered/Exempt

TRID

0000039365

Correspondent Flow without delegated underwriting

4/2/2021

3/17/2021

Employed

Permanent Resident Alien

$6,527.39

0.034

0.03375

3.23

Yes

Not Covered/Exempt

TRID

0000040348

Correspondent Flow without delegated underwriting

3/18/2021

3/18/2021

Employed

Retired

US

US

$7,404.09

0.037

0.03375

3.1

Yes

Not Covered/Exempt

TRID

0000040492

Correspondent Flow without delegated underwriting

3/23/2021

3/19/2021

Employed

Employed

US

US

$17,260.00

0.034

0.03375

3.14

Yes

Not Covered/Exempt

TRID

0000040743

Correspondent Flow without delegated underwriting

3/25/2021

3/19/2021

Employed

US

$22,206.24

0.034

0.03250

3.14

Yes

Not Covered/Exempt

TRID

0000040774

Correspondent Flow without delegated underwriting

3/22/2021

3/18/2021

Employed

US

$19,666.94

0.036

0.03375

3.14

Yes

Not Covered/Exempt

TRID

0000041659

Correspondent Flow without delegated underwriting

3/22/2021

3/24/2021

Employed

US

$3,443.91

0.035

0.03375

3.14

Yes

Not Covered/Exempt

TRID

0000041757

Correspondent Flow without delegated underwriting

3/22/2021

3/22/2021

Employed

Employed

US

US

$4,312.93

0.032

0.02999

3.14

Yes

Not Covered/Exempt

TRID

0000041879

Correspondent Flow without delegated underwriting

3/22/2021

3/23/2021

Employed

Non-permanent Resident Alien

$8,227.02

0.035

0.03375

3.14

Yes

Not Covered/Exempt

TRID

0000042698

Correspondent Flow without delegated underwriting

3/24/2021

3/23/2021

Employed

Employed

US

US

$14,071.32

0.034

0.03375

3.14

Yes

Not Covered/Exempt

Pre-TRID

0000043807

Correspondent Flow without delegated underwriting

4/6/2021

3/25/2021

Employed

US

$30,297.87

0.035

0.03375

3.24

Yes

Not Covered/Exempt

TRID

0000044206

Correspondent Flow without delegated underwriting

3/26/2021

3/25/2021

Employed

Employed

US

US

$6,623.84

0.034

0.03375

3.14

Yes

Not Covered/Exempt

TRID

0000044584

Correspondent Flow without delegated underwriting

3/25/2021

3/29/2021

Employed

US

$9,390.05

7640

7640

0.036

0.03375

3.14

Yes

TQM-ATR Pass/Non-HPML

TRID

0000044916

Correspondent Flow without delegated underwriting

3/26/2021

3/26/2021

Employed

US

$15,077.32

0.034

0.03375

3.14

Yes

Not Covered/Exempt

TRID

0000045179

Correspondent Flow without delegated underwriting

4/2/2021

3/29/2021

Employed

US

$8,071.10

0.031

0.02875

3.23

Yes

Not Covered/Exempt

Pre-TRID

0000045418

Correspondent Flow without delegated underwriting

4/15/2021

3/27/2021

Employed

Unemployed

US

US

$11,861.80

3269

3269

0.034

0.03375

3.19

Yes

TQM-ATR Pass/Non-HPML

TRID

0000045532

Correspondent Flow without delegated underwriting

4/2/2021

3/28/2021

Employed

US

$13,906.84

0.035

0.03375

3.23

Yes

Not Covered/Exempt

Pre-TRID

0000045567

Correspondent Flow without delegated underwriting

4/13/2021

3/29/2021

Employed

US

$3,123.56

0.033

0.03250

3.19

Yes

Not Covered/Exempt

TRID

0000045898

Correspondent Flow without delegated underwriting

3/31/2021

3/29/2021

Unemployed

Employed

US

US

$20,310.56

0.035

0.03375

3.23

Yes

Not Covered/Exempt

TRID

0000046348

Correspondent Flow without delegated underwriting

4/1/2021

3/30/2021

Employed

Employed

US

Permanent Resident Alien

$22,792.64

0.033

0.03250

3.23

Yes

Not Covered/Exempt

Pre-TRID

0000046394

Correspondent Flow without delegated underwriting

4/8/2021

3/31/2021

Employed

US

$3,444.87

0.033

0.02999

3.24

Yes

Not Covered/Exempt

TRID

0000046752

Correspondent Flow without delegated underwriting

4/6/2021

3/31/2021

Retired

Retired

US

US

$4,784.32

0.033

0.02998

3.24

Yes

Not Covered/Exempt

TRID

0000046943

Correspondent Flow without delegated underwriting

3/30/2021

3/31/2021

Retired

US

$729.22

0.035

0.03375

3.23

Yes

Not Covered/Exempt

TRID

0000047707

Correspondent Flow without delegated underwriting

4/8/2021

3/31/2021

Employed

Permanent Resident Alien

$3,815.01

0.035

0.03375

3.24

Yes

Not Covered/Exempt

TRID

0000047720

Correspondent Flow without delegated underwriting

3/31/2021

4/1/2021

Employed

Permanent Resident Alien

$8,888.24

0.035

0.03375

3.23

Yes

Not Covered/Exempt

TRID

0000047881

Correspondent Flow without delegated underwriting

4/1/2021

1/4/2021

Employed

Employed

US

US

$5,199.69

0.034

0.03250

3.23

Yes

Not Covered/Exempt

TRID

0000048612

Correspondent Flow without delegated underwriting

4/2/2021

4/2/2021

Employed

US

$65,230.36

0.038

0.03625

3.23

Yes

Not Covered/Exempt

TRID

0000048617

Correspondent Flow without delegated underwriting

4/2/2021

4/1/2021

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

$6,431.40

0.034

0.03250

3.23

Yes

Not Covered/Exempt

TRID

0000049056

Correspondent Flow without delegated underwriting

4/2/2021

4/7/2021

Unemployed

US

$2,838.70

7753

7753

0.039

0.03625

3.23

Yes

TQM-ATR Pass/Non-HPML

TRID

0000049198

Correspondent Flow without delegated underwriting

4/5/2021

4/7/2021

Employed

Employed

US

US

$11,696.35

5367

16855

0.034

0.03125

3.24

Yes

TQM-ATR Pass/Non-HPML

TRID

0000049916

Correspondent Flow without delegated underwriting

4/16/2021

4/6/2021

Employed

Non-permanent Resident Alien

$2,732.61

6656

6656

0.034

0.03250

3.19

Yes

Not Covered/Exempt

TRID

0000052087

Correspondent Flow without delegated underwriting

4/8/2021

4/8/2021

Employed

US

$1,848.08

0.033

0.03250

3.24

Yes

Not Covered/Exempt

TRID

0000052515

Correspondent Flow without delegated underwriting

4/16/2021

4/9/2021

Unemployed

Employed

US

US

$3,322.42

7110

7110

0.039

0.03625

3.19

Yes

TQM-ATR Pass/Non-HPML

TRID

0000052671

Correspondent Flow without delegated underwriting

4/13/2021

4/9/2021

Employed

US

$6,343.34

0.036

0.03500

3.19

Yes

Not Covered/Exempt

TRID

0000053056

Correspondent Flow without delegated underwriting

4/13/2021

4/12/2021

Employed

Unemployed

US

US

$18,033.24

12245

12245

0.035

0.03375

3.19

Yes

TQM-ATR Pass/Non-HPML

TRID

0000053291

Correspondent Flow without delegated underwriting

4/12/2021

4/21/2021

Retired

Retired

US

US

$2,608.47

0.037

0.03485

3.19

Yes

Not Covered/Exempt

TRID

0000053500

Correspondent Flow without delegated underwriting

4/12/2021

4/12/2021

Retired

Retired

US

US

$2,608.48

5881

11762

0.037

0.03485

3.19

Yes

TQM-ATR Pass/Non-HPML

TRID

0000054106

Correspondent Flow without delegated underwriting

4/13/2021

4/14/2021

Employed

Retired

US

US

$6,492.04

6540

6540

0.032

0.02999

3.19

Yes

TQM-ATR Pass/Non-HPML

TRID

0000054130

Correspondent Flow without delegated underwriting

4/13/2021

4/12/2021

Employed

Unemployed

US

US

$16,741.66

0.035

0.03375

3.19

Yes

Not Covered/Exempt

TRID

0000054241

Correspondent Flow without delegated underwriting

4/12/2021

4/14/2021

Employed

US

$9,173.90

2726

2726

0.037

0.03625

3.19

Yes

TQM-ATR Pass/Non-HPML

TRID

0000054719

Correspondent Flow without delegated underwriting

4/20/2021

4/20/2021

Retired

US

$2,396.41

1900

1900

0.035

0.03499

3.09

Yes

TQM-ATR Pass/Non-HPML

Pre-TRID

0000056995

Correspondent Flow without delegated underwriting

4/25/2021

4/24/2021

Retired

Employed

US

US

$8,881.53

0.037

0.03625

3.09

Yes

Not Covered/Exempt

TRID

0000057848

Correspondent Flow without delegated underwriting

4/16/2021

4/20/2021

Employed

Unemployed

US

US

$9,591.43

0.037

0.03625

3.19

Yes

Not Covered/Exempt

Pre-TRID

0000060641

Correspondent Flow without delegated underwriting

4/21/2021

4/21/2021

Employed

Unemployed

US

US

$20,487.62

0.034

0.03250

3.09

Yes

Not Covered/Exempt

TRID

0000060839

Correspondent Flow without delegated underwriting

4/21/2021

4/21/2021

Unemployed

Employed

US

US

$4,988.84

3705

3705

0.037

0.03500

3.09

Yes

TQM-ATR Pass/Non-HPML

TRID

0000060846

Correspondent Flow without delegated underwriting

4/28/2021

4/21/2021

Employed

Employed

US

US

$13,489.74

8622

8622

0.035

0.03250

3.02

Yes

TQM-ATR Pass/Non-HPML

TRID

0000061600

Correspondent Flow without delegated underwriting

5/6/2021

4/26/2021

Retired

Retired

US

US

$2,787.18

4833

4833

0.036

0.03375

3.03

Yes

TQM-ATR Pass/Non-HPML

TRID

0000061996

Correspondent Flow without delegated underwriting

4/23/2021

4/27/2021

Retired

Retired

US

US

$6,943.38

0.037

0.03625

3.09

Yes

Not Covered/Exempt

TRID

0000062223

Correspondent Flow without delegated underwriting

4/12/2021

4/23/2021

Employed

US

$5,130.97

0.038

0.03625

3.19

Yes

Not Covered/Exempt

TRID

0000062898

Correspondent Flow without delegated underwriting

4/30/2021

4/25/2021

Employed

US

$3,868.95

0.037

0.03625

3.02

Yes

Not Covered/Exempt

TRID

0000064322

Correspondent Flow without delegated underwriting

5/11/2021

3/30/2021

Employed

Non-permanent Resident Alien

$1,049.52

0.035

0.03250

3.01

Yes

Not Covered/Exempt

Pre-TRID

0000065260

Correspondent Flow without delegated underwriting

4/28/2021

4/28/2021

Employed

Employed

US

US

$10,321.35

0.035

0.03250

3.02

Yes

Not Covered/Exempt

TRID

0000065322

Correspondent Flow without delegated underwriting

4/30/2021

4/28/2021

Employed

Unemployed

US

US

$3,136.87

0.035

0.03375

3.02

Yes

Not Covered/Exempt

TRID

0000072806

Correspondent Flow without delegated underwriting

5/10/2021

5/10/2021

Employed

Employed

US

US

$19,990.59

0.034

0.03375

3.01

Yes

Not Covered/Exempt

TRID

EX-99.3

Customer Loan ID

Loan Exception ID

Exception ID

Exception Category

Exception Sub Category

Exception Description

Exception Comments

Seller Response

Reviewer Response

Compensating Factors

Exception Status

Initial Exception Grade

Final Exception Grade

Initial DBRS Exception Grade

Final DBRS Exception Grade

Initial Moodys Exception Grade

Final Moodys Exception Grade

Initial Fitch Exception Grade

Final Fitch Exception Grade

Initial Kroll Exception Grade

Final Kroll Exception Grade

Initial S&P Exception Grade

Final S&P Exception Grade

Subject to Predatory Lending

HUD Category

0000698970

255_200_11312

11312

Credit

DTI Exceeds Guidelines

Guidelines reflect a DTI of 32.00%. Due to a miscalculation of debts to income, the actual DTI is 36.62%. Income  used includes total borrower income $XX,XXX.XX plus subject property positive rental income $X.XX plus other REO positive rental income $X.XX. Total debt amount used is $X,XXX.XX. Total debt included in DTI is $X,XXX.XX. It appears the lender did not consider T & I for XXXX XXXXX XXXXXX; and no evidence of an escrow account in file.

(2021-06-11) Lender provided Lender provided Final CDs for XXX X XXXXX XX XXXXXX, which is escrowed and provided Final CD for XXXX XXXXX XXXXXX, conditon cleared.

Summary: Primary borrower has 20.00 years in field. ; Summary: UW Guides require 7.79 months reserves, loan qualified with 11.54 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000698970

255_200_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI,. DTI exceeds guidelines

(2021-06-11) Lender provided Lender provided Final CDs for XXX X XXXXX XX XXXXXX, which is escrowed and provided Final CD for XXXX XXXXX XXXXXX, conditon cleared.

Summary: Primary borrower has 20.00 years in field. ; Summary: UW Guides require 7.79 months reserves, loan qualified with 11.54 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000698970

255_200_1454

1454

Credit

Missing Evidence of Insurance for Primary Residence

Missing Evidence of Insurance for Primary Residence Missing evidence of Insurance for XXX X XXXXX XXX XXXXXX.

(2021-06-11) Lender provided final CD shows P&I at $XXX.XX with escrows $XXX.XX total $X,XXX.XX, conditon cleared.

Summary: Primary borrower has 20.00 years in field. ; Summary: UW Guides require 7.79 months reserves, loan qualified with 11.54 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000698970

255_200_1456

1456

Credit

Missing Evidence of Insurance for REO1

Missing Evidence of Insurance for property 3 on final application Missing evidence of Insurance for XXXX XXXXX XXX.

(2021-07-09) Document received.  Condition cleared

Summary: Primary borrower has 20.00 years in field. ; Summary: UW Guides require 7.79 months reserves, loan qualified with 11.54 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000698970

255_200_1451

1451

Credit

Missing Evidence of Property Taxes for Primary Residence

Missing Evidence of Property Taxes for Primary Residence Missing evidence of Property Taxes for XXX X XXXXX XXX XXXXXX.

(2021-06-11) Lender provided final CD shows P&I at $XXX.XX with escrows $XXX.XX total $X,XXX.XX, condition cleared.

Summary: Primary borrower has 20.00 years in field. ; Summary: UW Guides require 7.79 months reserves, loan qualified with 11.54 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000698970

255_200_1453

1453

Credit

Missing Evidence of Property Taxes for REO1

Evidence of property taxes for property 3  on the final application not provided. Missing evidence of Property Taxes for XXXX XXXXX XXX

(2021-06-23) Client provided purchase contract and purchase CD for XXXX XXXXX XXX (REO 1) - CA property - will set taxes as 1.25% of purchase price, which will be $X,XXX.XX annually.   Condition cleared

Summary: Primary borrower has 20.00 years in field. ; Summary: UW Guides require 7.79 months reserves, loan qualified with 11.54 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000698970

255_200_15997

15997

Credit

Required Documentation is Missing

The loan file is missing: 1) Evidence of newly obtained P & I for XXX X XXXXX XX XXXXXX (primary residence). 2) Evidence of newly obtained P & I for XXXX XXXXX XXXXXX.

(2021-06-22) Client provided CD for XXX X XXXXX XXX XXXXXX and for XXXX XXXXX XXX - including P&I payments for both properties.   Condition cleared. (2021-06-10) The loan file is missing: 1) Evidence of newly obtained P & I for XXX X XXXXX XX XXXXXX (primary residence). 2) Evidence of newly obtained P & I for XXXX XXXXX XXXXXX.

Summary: Primary borrower has 20.00 years in field. ; Summary: UW Guides require 7.79 months reserves, loan qualified with 11.54 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000870949

255_95_10285

10285

Credit

Incomplete AUS Results

AUS Results are incomplete. AUS results are incomplete due to missing Funds to Close/ Reserves. Additional conditions may apply.

(2021-06-02) Complete AUS report provided

(2021-06-02) Client provided complete AUS report - condition cleared

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000870949

255_95_1456

1456

Credit

Missing Evidence of Insurance for REO1

Missing Evidence of Insurance for property 2 on final application

(2021-06-02) Evidence of insurance provided

(2021-06-02) Client provided evidence of insurance for REO1 - condition cleared

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000870949

255_95_1453

1453

Credit

Missing Evidence of Property Taxes for REO1

Evidence of property taxes for property 2  on the final application not provided.

(2021-06-07) CD for subject property provided with evidence of tax payment

(2021-06-07) Client provided CD for subject property with evidence of tax payment - condition cleared

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000870949

255_95_15997

15997

Credit

Required Documentation is Missing

The loan file is missing evidence of new payment amount for primary residence. Missing evidence of new payment amount for REO#2 on the final 1003. Additional conditions may apply.

(2021-06-07) CD for primary residence refi provided

(2021-06-07) Client provided CD for refinance of primary residence - condition cleared (2021-06-02) Client provided proof of payment on REO2 - however file is missing evidence of new payment on primary residence.  Condition is not cleared.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000870949

255_95_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS). Missing payment history/ verification of mortgages.

(2021-06-07) AUS Standards are now met and loan meets TQM standards. (2021-06-07) Condition cleared (2021-06-02) Condition will clear upon receipt of required documents (2021-05-26) Condition will clear when client provides missing documents

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000050205

255_70_11312

11312

Credit

DTI Exceeds Guidelines

Guidelines reflect a DTI of 38.36%. Due to a miscalculation of debts to income, the actual DTI is 43.72%. Income  used includes total borrower income $X,XXX.XX plus subject property positive rental income $X,XXX.XX plus other REO positive rental income $X.XX. Total debt amount used is $X,XXX.XX. The AUS required documentation to support the omission of XXXXX XXXXX XXXX XXX, four XX XXX accounts, and the XXXXXXXX XX account.  Documentation to support the omission of these debts was missing from the loan file.

(2021-06-01) CD for refinance of primary residence provided

(2021-06-04) Lender provided acceptable evidence to support the omission of debts, as required by AUS.  Condition is cleared. (2021-06-01) Client provided CD for refinance of primary residence in XX/XX/XXXX - DTI condition not cleared

Summary: UW Guides require 6.00 months reserves, loan qualified with 72.15 months reserves. ; Summary: Primary borrower has 10.00 years in field.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000050205

255_70_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI, Omission of Debt,.

(2021-06-04) AUS Standards are now met and loan meets TQM standards.

Summary: UW Guides require 6.00 months reserves, loan qualified with 72.15 months reserves. ; Summary: Primary borrower has 10.00 years in field.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000050205

255_70_16059

16059

Compliance

Initial Closing Disclosure timing requirement not met

Based on the date of the initial CD, the borrower was not in receipt of the initial CD 3 business days prior to consummation.

(2021-06-07) Initial CD provided

(2021-06-07) CD provided reflecting proper timing. (2021-06-07) Client provided initial CD

Summary: UW Guides require 6.00 months reserves, loan qualified with 72.15 months reserves. ; Summary: Primary borrower has 10.00 years in field.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000050205

255_70_16061

16061

Compliance

Initial Closing Disclosure timing requirement not met - missing consummation date

This loan failed the initial CD delivery date test due to one of the following findings: The initial CD delivery date is provided and the initial CD disclosure method of delivery is marked as either: "USPS First Class Mail" or "Electronic Delivery" or blank, and the initial CD delivery date is less than six business days before the consummation date, or the closing/settlement date if no consummation date is provided, of the transaction; or "In Person" and the initial CD delivery date is less than three business days before the consummation date, or the closing/settlement date if no consummation date is provided, of the transaction; or the initial CD receipt date is provided and the initial CD receipt date is less than three business days before consummation date, or closing/settlement date if no consummation date is provided, of the transaction.

(2021-06-07) initial CD provided

(2021-06-07) Initial CD provided meeting appropriate timing requirements. (2021-06-07) Client provided initial CD

Summary: UW Guides require 6.00 months reserves, loan qualified with 72.15 months reserves. ; Summary: Primary borrower has 10.00 years in field.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000050205

255_70_-99944

-99944

Compliance

Late Fees Test

This loan failed the late fees test.The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.PLEASE NOTE: Certain states impose a late charge restriction that requires a comparison of the late fees charge, expressed either as a percentage or a dollar amount, or as both. In cases where the user provided data does not contain the required data point, ComplianceAnalyzer® will calculate the required data point from the late charge value entered by the user, and for such purpose will use the system's calculation of the scheduled monthly payment amount. Such data point calculations are an estimate based on the user provided data, and may not reflect the actual late charge threshold on an irregular payment, or if the maximum permitted late charge is based on the amount of the scheduled payment that is outstanding and not the entire scheduled payment. 5% > 2% maximum late fee allowed by the state of New York. 5% > 2% maximum late fee allowed by the state of New York.

(2021-06-07) State maximum late charge for New York is 2.00%.  Note charged late charge of 5.00% to borrower.   Condition is active

Summary: UW Guides require 6.00 months reserves, loan qualified with 72.15 months reserves. ; Summary: Primary borrower has 10.00 years in field.

Active

2

2

B

B

B

B

B

B

B

B

B

B

Yes

0000050205

255_70_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS). Loan does not meet criteria for Temporary Qualified Mortgage due to excessive DTI and due to missing documentation to support the omission of XXXXX XXXXX XXXX XXX, four XX XXX accounts, and the XXXXXXXX XX account.

(2021-06-04) AUS Standards are now met and loan meets TQM standards. (2021-06-04) AUS Standards are now met and loan meets TQM standards.

Summary: UW Guides require 6.00 months reserves, loan qualified with 72.15 months reserves. ; Summary: Primary borrower has 10.00 years in field.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000062486

255_14_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with  Subject PITI,.

(2021-06-07) AUS Standards are now met and loan meets TQM standards.  Condition is cleared.

Summary: UW Guides require 51.86 months reserves, loan qualified with 286.16 months reserves. ; Summary: Primary borrower has 45.00 years in field. ; Summary: UW guides maximum DTI of 44.65%, loan qualified with DTI of 42.13%. ; Summary: Refinance reduces rate from 4.55% to 3.38%. ; Summary: Borrower has 17.67 years self employed.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000062486

255_14_5135

5135

Credit

Missing Evidence that REO6 Property is Owned Free and Clear

Missing Evidence that REO6 Property is Owned Free and Clear

(2021-07-08) Documentation in file verifies Free and Clear status, rescind.

Summary: UW Guides require 51.86 months reserves, loan qualified with 286.16 months reserves. ; Summary: Primary borrower has 45.00 years in field. ; Summary: UW guides maximum DTI of 44.65%, loan qualified with DTI of 42.13%. ; Summary: Refinance reduces rate from 4.55% to 3.38%. ; Summary: Borrower has 17.67 years self employed.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000062486

255_14_15997

15997

Credit

Required Documentation is Missing

Missing evidence for  DU condition 14 all omitted mortgages. Missing evidence for DU condition 15 VOM for all mortgages.

(2021-06-04) CDs for all concurrent mortgages provided

(2021-06-04) client provided CDs for all concurrent mortgages - condition cleared (2021-05-24) Condition will clear when client supplies missing REO payment information per AUS conditions #14, 15

Summary: UW Guides require 51.86 months reserves, loan qualified with 286.16 months reserves. ; Summary: Primary borrower has 45.00 years in field. ; Summary: UW guides maximum DTI of 44.65%, loan qualified with DTI of 42.13%. ; Summary: Refinance reduces rate from 4.55% to 3.38%. ; Summary: Borrower has 17.67 years self employed.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000062486

255_14_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS). Loan is failing to meet Temporary Qualified Mortgage (TQM) standard due to missing evidence for DU condition 14 and 15.

(2021-06-07) AUS Standards are now met and loan meets TQM standards. (2021-06-07) AUS Standards are now met and loan meets TQM standards.  Condition is cleared. (2021-05-24) Condition will clear when client provides missing documents

Summary: UW Guides require 51.86 months reserves, loan qualified with 286.16 months reserves. ; Summary: Primary borrower has 45.00 years in field. ; Summary: UW guides maximum DTI of 44.65%, loan qualified with DTI of 42.13%. ; Summary: Refinance reduces rate from 4.55% to 3.38%. ; Summary: Borrower has 17.67 years self employed.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000062486

255_14_17454

17454

Compliance

RESPA: AfBA Disclosure from Broker is Missing or Incomplete

RESPA: AfBA Disclosure from Broker is Missing

(2021-07-08) Document found in file, rescind.

Summary: UW Guides require 51.86 months reserves, loan qualified with 286.16 months reserves. ; Summary: Primary borrower has 45.00 years in field. ; Summary: UW guides maximum DTI of 44.65%, loan qualified with DTI of 42.13%. ; Summary: Refinance reduces rate from 4.55% to 3.38%. ; Summary: Borrower has 17.67 years self employed.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000065005

255_98_16059

16059

Compliance

Initial Closing Disclosure timing requirement not met

Based on the date of the initial CD, the borrower was not in receipt of the initial CD 3 business days prior to consummation. Initial CD dated XX/XX/XXXX reflected on the Disclosure Tracker missing from the file.  Additional conditions may apply.

(2021-06-07) CD provided reflecting proper timing.

Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 7.73 months reserves, loan qualified with 45.45 months reserves. ; Summary: Primary borrower has 8.00 years in field.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000065005

255_98_16061

16061

Compliance

Initial Closing Disclosure timing requirement not met - missing consummation date

This loan failed the initial CD delivery date test due to one of the following findings: The initial CD delivery date is provided and the initial CD disclosure method of delivery is marked as either: "USPS First Class Mail" or "Electronic Delivery" or blank, and the initial CD delivery date is less than six business days before the consummation date, or the closing/settlement date if no consummation date is provided, of the transaction; or "In Person" and the initial CD delivery date is less than three business days before the consummation date, or the closing/settlement date if no consummation date is provided, of the transaction; or the initial CD receipt date is provided and the initial CD receipt date is less than three business days before consummation date, or closing/settlement date if no consummation date is provided, of the transaction. Initial CD dated XX/XX/XXXX reflected on the Disclosure Tracker missing from the file.  Additional conditions may apply.

(2021-06-07) Initial CD provided meeting appropriate timing requirements.

Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 7.73 months reserves, loan qualified with 45.45 months reserves. ; Summary: Primary borrower has 8.00 years in field.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000067888

255_305_1466

1466

Credit

Missing Evidence of XXX Dues for Primary Residence

Missing Evidence of XXX Dues for Primary Residence Missing Evidence of XXX Dues for XXXX XXXX XXXX XXXXX (primary residence).

(2021-06-24) Client provided XXX information for property - condition cleared

Summary: Borrower has resided in current property for 5.00 years. ; Summary: UW Guides require 72.35 months reserves, loan qualified with 760.30 months reserves. ; Summary: Primary borrower has 17.00 years in field. ; Summary: Borrower has 16.60 years self employed. ; Summary: UW guides maximum DTI of 45.00%, loan qualified with DTI of 29.14%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000067888

255_305_18213

18213

Credit

Missing Evidence of Self Employment - Borrower 1 Partnership

Borrower 1 is self-employed and is missing verification of self-employment dated within 10 prior to the Note date on the partnership listed in position 1 on the application.  Documentation Requirements: Allow CPA Letter or Business License or other valid verification.  Status of possible documentation for verification of self-employment:  CPA letter is Not in File, Business license is Not in File, Other verification is Not in File.  The note date is XX/XX/XXXX.   There is no evidence indicating the loan had been delivered to the XXX. ___ Evidence business is open and operating within 10 business days of the Note date is missing for business listed in position 1 on the final application; as required per updated guidelines due to COVID.

(2021-06-24) client provided verification of business - condition cleared

Summary: Borrower has resided in current property for 5.00 years. ; Summary: UW Guides require 72.35 months reserves, loan qualified with 760.30 months reserves. ; Summary: Primary borrower has 17.00 years in field. ; Summary: Borrower has 16.60 years self employed. ; Summary: UW guides maximum DTI of 45.00%, loan qualified with DTI of 29.14%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000069560

255_362_1451

1451

Credit

Missing Evidence of Property Taxes for Primary Residence

Missing Evidence of Property Taxes for Primary Residence

(2021-06-29) Lender provided Final CD showing P&I monthly payment of $X,XXX.XX with escrows, condition cleared.

Summary: UW Guides require 6.00 months reserves, loan qualified with 26.24 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000072754

255_53_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  2 Fraud Report in file Borrower: No CoBorrower: No Borrower 3: ___ Borrower 4: ___

(2021-06-01) XXXXX XXXXX report provided

(2021-06-01) Client provided XXXXXXXXXX report - condition cleared

Summary: UW Guides require 21.39 months reserves, loan qualified with 563.29 months reserves. ; Summary: Borrower has 36.50 years self employed. ; Summary: Primary borrower has 36.50 years in field. ; Summary: Borrower has resided in current property for 16.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000072754

255_53_15950

15950

Compliance

NQM ATR Failure - Monthly Debt Obligations taken into consideration do not meet requirements

NQM ATR Failure - Monthly Debt Obligations taken into considereation do not meet requirements

(2021-06-24) Data entry error, rescind.

Summary: UW Guides require 21.39 months reserves, loan qualified with 563.29 months reserves. ; Summary: Borrower has 36.50 years self employed. ; Summary: Primary borrower has 36.50 years in field. ; Summary: Borrower has resided in current property for 16.00 years.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000072754

255_53_18676

18676

Compliance

NQM ATR Failure - Monthly DTI Ratio: DTI does not meet Guideline requirements

NQM ATR Failure - Monthly DTI Ratio: DTI does not meet Guideline requirements

(2021-06-24) Data entry error, rescind.

Summary: UW Guides require 21.39 months reserves, loan qualified with 563.29 months reserves. ; Summary: Borrower has 36.50 years self employed. ; Summary: Primary borrower has 36.50 years in field. ; Summary: Borrower has resided in current property for 16.00 years.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000096096

255_340_1457

1457

Credit

Missing Executed Personal Tax Returns for Borrower

Guidelines state: At least 1 year personal returns required.  Status of Personal Tax Return: Not Executed.  Tax Transcripts in file: N/A.  Details: ___

(2021-06-29) Lender provided tax return transcripts for XXXX, condition cleared.

Summary: Borrower has resided in current property for 8.00 years. ; Summary: UW Guides require 12.71 months reserves, loan qualified with 159.74 months reserves. ; Summary: Borrower has 20.08 years self employed.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000096096

255_340_7741

7741

Credit

Missing Executed Personal Tax Returns for Coborrower

Guidelines state: At least 1 year personal returns required.  Personal Tax Return in File: Not Executed.  Tax Transcripts - income supported: N/A. Details: ___

(2021-06-29) Lender provided tax return transcripts for XXXX, condition cleared.

Summary: Borrower has resided in current property for 8.00 years. ; Summary: UW Guides require 12.71 months reserves, loan qualified with 159.74 months reserves. ; Summary: Borrower has 20.08 years self employed.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000096096

255_340_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS).

(2021-06-29) AUS Standards are now met and loan meets TQM standards. (2021-06-29) Lender provided tax return transcripts for XXXX, condition cleared.

Summary: Borrower has resided in current property for 8.00 years. ; Summary: UW Guides require 12.71 months reserves, loan qualified with 159.74 months reserves. ; Summary: Borrower has 20.08 years self employed.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000096998

255_341_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with  LTV, Occupancy,.

(2021-07-09) Condition not valid - rescinded

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000096998

255_341_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is above 2.5, Unknown, Unknown, Unknown

(2021-06-25) Client provided CDA that supports value at origination, condition cleared.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000125158

255_27_8735

8735

Credit

Missing Evidence of XXX Dues for REO2

Missing Evidence of XXX Dues for REO2 Missing Evidence of XXX Dues for REO2 in the amount of $X,XXX.XX. FIle does not contain documentation to support dues.  Additional conditions may apply.

(2021-06-02) Evidence of XXX dues provided

(2021-06-02) Client provided evidence of XXX dues for REO2 - condition cleared.

Summary: Primary borrower has 19.00 years in field. ; Summary: UW guides maximum DTI of 36.84%, loan qualified with DTI of 32.50%. ; Summary: Borrower has 19.00 years self employed. ; Summary: UW Guides require 6.61 months reserves, loan qualified with 342.32 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000125158

255_27_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is Missing, No CDA in File, No AVM in file, Field Review not required

(2021-06-10) Client provided Clear Capital high quality AVM - condition cleared

Summary: Primary borrower has 19.00 years in field. ; Summary: UW guides maximum DTI of 36.84%, loan qualified with DTI of 32.50%. ; Summary: Borrower has 19.00 years self employed. ; Summary: UW Guides require 6.61 months reserves, loan qualified with 342.32 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000126815

255_158_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  1 Fraud Report in file Borrower: No CoBorrower: ___ Borrower 3: ___ Borrower 4: ___

(2021-06-11) Lender provided an acceptable fraud report.  Condition is cleared.

Summary: Primary borrower has 16.20 years in field. ; Summary: Borrower has 16.20 years self employed.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000131955

255_350_1454

1454

Credit

Missing Evidence of Insurance for Primary Residence

Missing Evidence of Insurance for Primary Residence

(2021-06-29) Lender provided Final CD showing P&I payment of $X,XXX.XX with escrows with XXX at $XX.XX, condition cleared.

Summary: The compensating factor 'DTI is lower than guideline maximum' is removed. From fields in template: Debt Ratio ---- 34.13 Guideline DTI ---- 34 DTI is lower than guideline maximum ---- Yes ; Summary: UW Guides require 6.00 months reserves, loan qualified with 16.25 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000131955

255_350_1451

1451

Credit

Missing Evidence of Property Taxes for Primary Residence

Missing Evidence of Property Taxes for Primary Residence

(2021-06-29) Lender provided Final CD showing P&I payment of $X,XXX.XX with escrows with XXXX at $XX.XX, condition cleared.

Summary: The compensating factor 'DTI is lower than guideline maximum' is removed. From fields in template: Debt Ratio ---- 34.13 Guideline DTI ---- 34 DTI is lower than guideline maximum ---- Yes ; Summary: UW Guides require 6.00 months reserves, loan qualified with 16.25 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000132470

255_28_18270

18270

Credit

Missing Evidence of Self Employment - Borrower 1 Schedule C Business

Borrower 1 is self-employed and is missing verification of self-employment dated within 30 prior to the Note date on the schedule C business listed in position 1 on the application.  Documentation Requirements: Allow CPA Letter or Business License.  Status of possible documentation for verification of self-employment:  CPA letter is Not in File, Business license is Not in File, Other verification is NA.  The note date is XX/XX/XXXX.   There is no evidence indicating the loan had been delivered to the XXX. ___

(2021-06-07) Lender provided acceptable evidence of self-employment.  Condition is cleared.

Summary: Primary borrower has 6.00 years in field. ; Summary: Borrower has 5.00 years self employed. ; Summary: Borrower has resided in current property for 33.00 years. ; Summary: UW Guides require 8.83 months reserves, loan qualified with 15.64 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000132470

255_28_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS). Loan is failing to meet Temporary qualified Mortgage (TQM) standards to due to missing verification of self-employed.

(2021-06-07) AUS Standards are now met and loan meets TQM standards. (2021-06-07) AUS Standards are now met and loan meets TQM standards. Condition is cleared. (2021-05-24) Condition will clear when client provides missing documents

Summary: Primary borrower has 6.00 years in field. ; Summary: Borrower has 5.00 years self employed. ; Summary: Borrower has resided in current property for 33.00 years. ; Summary: UW Guides require 8.83 months reserves, loan qualified with 15.64 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000135378

255_50_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  1 Fraud Report in file Borrower: No CoBorrower: ___ Borrower 3: ___ Borrower 4: ___

(2021-06-01) XXXXX XXXXX Report provided

(2021-06-01) Client provided XXXXXXXXXX report - condition cleared

Summary: Refinance reduces total housing payment by  $-X,XXX.XX. ; Summary: UW Guides require 8.26 months reserves, loan qualified with 22.93 months reserves. ; Summary: Borrower has resided in current property for 10.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000157132

255_286_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is Missing, CDA Not Required, AVM not required, Field Review not required

(2021-06-15) Lender provided an acceptable CDA.  Condition is cleared.

Summary: Refinance reduces rate from 6.00% to 3.13%. ; Summary: UW Guides require 12.15 months reserves, loan qualified with 35.56 months reserves. ; Summary: Primary borrower has 18.08 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000166861

255_51_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with  Omission of Debt,.

(2021-06-01) CDs provided to cover omission of prior debts

(2021-06-01) Client provided CDs allowing for the omission of prior debt - condition cleared

Summary: UW Guides require 10.28 months reserves, loan qualified with 117.19 months reserves. ; Summary: UW guides maximum DTI of 48.58%, loan qualified with DTI of 47.46%. ; Summary: Refinance reduces rate from 5.00% to 3.25%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000166861

255_51_15997

15997

Credit

Required Documentation is Missing

The loan file is missing documentation to support the omission of the XXXXX XXXXX XX XXXXXXXX liability, balance $XXX,XXX.XX, and missing documentation to evidence the payment history of the new UWM mortgage, balance $XXX,XXX.XX, required per the AUS.

(2021-06-01) CD for $XXX,XXX.XX XXX loan provided - loan closed XX/XX/XXXX - no pay history available or necessary; new origination/CD for omission of prior mtge liability submitted

(2021-06-01) Client provided CD for missing pay history on mortgage REO and for prior mtge liability - condition cleared

Summary: UW Guides require 10.28 months reserves, loan qualified with 117.19 months reserves. ; Summary: UW guides maximum DTI of 48.58%, loan qualified with DTI of 47.46%. ; Summary: Refinance reduces rate from 5.00% to 3.25%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000166861

255_51_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS). The loan file is missing documentation to support the omission of the XXX liability, balance $XXX,XXX.XX, and missing documentation to evidence the payment history of the new XXX mortgage, balance $XXX,XXX.XX, required per the AUS.

(2021-06-01) CDs provided for omission of prior debts

(2021-06-01) AUS Standards are now met and loan meets TQM standards. (2021-06-01) Client provided CDs to allow for the omission of prior debts - condition cleared (2021-05-26) Condition will clear when client provides missing documents and resolves AUS issue

Summary: UW Guides require 10.28 months reserves, loan qualified with 117.19 months reserves. ; Summary: UW guides maximum DTI of 48.58%, loan qualified with DTI of 47.46%. ; Summary: Refinance reduces rate from 5.00% to 3.25%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000169087

255_48_12428

12428

Credit

Missing Evidence of Property Taxes for REO2

Evidence of property taxes for property 4  on the final application not provided. Evidence of property taxes for co-borrower's primary residence on the final application not provided.

(2021-06-01) Tax information for REO2 provided

(2021-06-01) Client provided tax information for REO2 - condition cleared

Summary: Borrower has resided in current property for 19.00 years. ; Summary: UW Guides require 9.85 months reserves, loan qualified with 21.59 months reserves. ; Summary: Primary borrower has 20.00 years in field. ; Summary: Refinance reduces rate from 4.00% to 3.25%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000169087

255_48_1452

1452

Credit

Missing Evidence of Property Taxes for Second Home

Missing Evidence of Property Taxes for Second Home Evidence of property taxes for property #2 on the final application not provided.

(2021-06-01) Tax information for 2nd home provided

(2021-06-01) Client provided tax information for 2nd home - condition cleared

Summary: Borrower has resided in current property for 19.00 years. ; Summary: UW Guides require 9.85 months reserves, loan qualified with 21.59 months reserves. ; Summary: Primary borrower has 20.00 years in field. ; Summary: Refinance reduces rate from 4.00% to 3.25%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000169087

255_48_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS). Loan does not meet criteria for Temporary Qualified Mortgage due to missing property taxes for REO #2 listed on borrower's final application. Additionally, missing property taxes for co-borrower's primary residence. Additional conditions may apply.

(2021-06-01) AUS Standards are now met and loan meets TQM standards. Client provided tax information for 2nd home and REO2 - condition cleared. (2021-05-25) Condition will clear when client provides missing documents

Summary: Borrower has resided in current property for 19.00 years. ; Summary: UW Guides require 9.85 months reserves, loan qualified with 21.59 months reserves. ; Summary: Primary borrower has 20.00 years in field. ; Summary: Refinance reduces rate from 4.00% to 3.25%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000171898

255_166_949

949

Credit

Missing Mortgage Riders - 1-4 Family Rider

Missing Mortgage Rider - 1-4 Family Rider

(2021-06-16) Client provided 1-4 Family Rider (recorded copy) - condition cleared

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000171898

255_166_927

927

Credit

Missing Mortgage/Deed of Trust

A Mortgage/Deed of Trust with borrower(s) signatures was not provided.

(2021-06-11) Valid Mortgage/Deed (2021-06-11) Lender provided the required mortgage.  Condition is cleared.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000171898

255_166_16059

16059

Compliance

Initial Closing Disclosure timing requirement not met

Based on the date of the initial CD, the borrower was not in receipt of the initial CD 3 business days prior to consummation.

(2021-06-14) CD provided reflecting proper timing. (2021-06-14) Lender provided missing Initial CD.  Condition is deemed acceptable.  Condition is cleared.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000171898

255_166_16061

16061

Compliance

Initial Closing Disclosure timing requirement not met - missing consummation date

This loan failed the initial CD delivery date test due to one of the following findings: The initial CD delivery date is provided and the initial CD disclosure method of delivery is marked as either: "USPS First Class Mail" or "Electronic Delivery" or blank, and the initial CD delivery date is less than six business days before the consummation date, or the closing/settlement date if no consummation date is provided, of the transaction; or "In Person" and the initial CD delivery date is less than three business days before the consummation date, or the closing/settlement date if no consummation date is provided, of the transaction; or the initial CD receipt date is provided and the initial CD receipt date is less than three business days before consummation date, or closing/settlement date if no consummation date is provided, of the transaction.

(2021-06-14) Initial CD provided meeting appropriate timing requirements. (2021-06-14) Lender provided missing Initial CD.  Condition is deemed acceptable.  Condition is cleared.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000174983

255_15_18049

18049

Credit

Missing 3rd Party Verbal Verification of Employment (CoBorrower)

Missing 3rd Party Verbal Verification of Employment dated within 10 Business days prior to the Note date for CoBorrower’s job in position 2 on the application. Status of possible documentation for verification of employment:  VVOE dated more than the maximum allowable days prior to the Note date, Employment Letter Not in file, WVOE dated more than the maximum allowable days prior to the Note date. The note date is XX/XX/XXXX. There is no evidence indicating the loan had been delivered to the XXX. ___ For salaried borrowers: Guidelines require a VVOE within 10 business days prior to the note date. The VVOE is greater than 10 days prior to note date for CoBorrower.

(2021-06-07) Lender provided an acceptable VVOE.  Condition is cleared.

Summary: UW Guides require 14.00 months reserves, loan qualified with 41.57 months reserves. ; Summary: Primary borrower has 7.25 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000174983

255_15_1454

1454

Credit

Missing Evidence of Insurance for Primary Residence

Missing Evidence of Insurance for Primary Residence Evidence of insurance for primary home on the final application not provided.

(2021-06-07) Lender provided acceptable evidence of HOI for the primary residence.  Condition is cleared.

Summary: UW Guides require 14.00 months reserves, loan qualified with 41.57 months reserves. ; Summary: Primary borrower has 7.25 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000174983

255_15_1451

1451

Credit

Missing Evidence of Property Taxes for Primary Residence

Missing Evidence of Property Taxes for Primary Residence Evidence of property taxes for primary home on the final application not provided.

(2021-06-07) Lender provided acceptable evidence of property taxes on primary residence. Condition is cleared.

Summary: UW Guides require 14.00 months reserves, loan qualified with 41.57 months reserves. ; Summary: Primary borrower has 7.25 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000179417

255_192_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is above 2.5, No CDA in File, AVM not required, Field Review not required

(2021-06-16) Client provided high value AVM - condition cleared

Summary: UW Guides require 7.93 months reserves, loan qualified with 70.32 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000180385

255_256_11312

11312

Credit

DTI Exceeds Guidelines

Guidelines reflect a DTI of 44.00%. Due to a miscalculation of debts to income, the actual DTI is 56.40%. Income  used includes total borrower income $X,XXX.XX plus subject property positive rental income $XXX.XX plus other REO positive rental income $XXX.XX. Total debt amount used is $X,XXX.XX. Guidelines reflect a DTI of 44%. Due to a miscalculation of rental income, the actual DTI is 56.40%. It appear for the primary residence  rental income the lender used rents received only at 100%  from the Schedule E and not the Schedule E calculation required per XXXXXXX XXX guidelines. Also for rental property XX XXXXX XXXXXX the rents received only at 100% is used for rental income and it appear the previous mortgage payment is used to qualify vs the new payment reflected on Closing Disclosure provided in the loan file.

(2021-06-22) Lender provided final CD showing P&I with escrows $X,XXX.XX showing the payoff of Rockland Trust Co, condition cleared

Summary: UW Guides require 7.50 months reserves, loan qualified with 203.38 months reserves. ; Summary: Primary borrower has 8.00 years in field. ; Summary: Refinance reduces rate from 4.38% to 3.38%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000180385

255_256_1095

1095

Credit

Insufficient Title Coverage

Title Coverage is $XXX,XXX.XX and the Loan Amount is $XXX,XXX.XX.

(2021-07-13) condition is cleared

Summary: UW Guides require 7.50 months reserves, loan qualified with 203.38 months reserves. ; Summary: Primary borrower has 8.00 years in field. ; Summary: Refinance reduces rate from 4.38% to 3.38%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000180385

255_256_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI, Income,.

(2021-07-13) Lender provided final CD showing P&I with escrows $X,XXX.XX showing the payoff of Rockland Trust Co, condition cleared.

Summary: UW Guides require 7.50 months reserves, loan qualified with 203.38 months reserves. ; Summary: Primary borrower has 8.00 years in field. ; Summary: Refinance reduces rate from 4.38% to 3.38%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000180385

255_256_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is Missing, CDA Not Required, AVM value outside of 10% tolerance, Field Review not required

(2021-06-15) Lender provided an acceptable CDA.  Condition is cleared.

Summary: UW Guides require 7.50 months reserves, loan qualified with 203.38 months reserves. ; Summary: Primary borrower has 8.00 years in field. ; Summary: Refinance reduces rate from 4.38% to 3.38%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000180385

255_256_15997

15997

Credit

Required Documentation is Missing

The loan file is missing verification of debt for the new mortgage on XXX XX. XXXXXXXX XX and missing documentation to support the omission of the debt with XXXXXXXX XXXXX XXXXXXX required per the AUS. The loan file is missing verification of debt for the new mortgage on XXX XX. XXXXXXXX XX and missing documentation to support the omission of the debt with XXXXXXXX XXXXX XXXXXXX required per the AUS.

(2021-06-22) Lender provided final CD showing P&I with escrows $X,XXX.XX showing the payoff of XXXXXXXX XXXXX XX, condition cleared. (2021-06-11) The loan file is missing verification of debt for the new mortgage on XXX XX. XXXXXXXX XX and missing documentation to support the omission of the debt with XXXXXXXX XXXXX XXXXXXX required per the AUS.

Summary: UW Guides require 7.50 months reserves, loan qualified with 203.38 months reserves. ; Summary: Primary borrower has 8.00 years in field. ; Summary: Refinance reduces rate from 4.38% to 3.38%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000180385

255_256_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS). Loan is failing to meet Temporary Qualified Mortgage (TQM) standards to due DTI exceed guidelines. Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to DTI exceeds guideline and missing verification of debt for the new mortgage on XXX XX XXXXXXXX XX and missing documentation to support the omission of the debt with XXXXXXXX XXXXX XXXXXXX required per the AUS.

(2021-06-22) AUS Standards are now met and loan meets TQM standards.

Summary: UW Guides require 7.50 months reserves, loan qualified with 203.38 months reserves. ; Summary: Primary borrower has 8.00 years in field. ; Summary: Refinance reduces rate from 4.38% to 3.38%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000181526

255_118_8673

8673

Credit

Missing Evidence of XXX Dues for REO6

Missing Evidence of XXX Dues for REO6 Evidence of XXX Dues for property 7 on the final application not provided.

(2021-06-15) The lender provided evidence that XXX XXXXXXXXX is a land lot and there is no XXX assesment, condition cleared. (2021-06-09) Lender provided evidence of XXX for REO5.  Evidence of XXX is required for REO6 = XXX XXXXXXXXX.  Condition remains.

Summary: Primary borrower has 15.00 years in field. ; Summary: UW Guides require 77.38 months reserves, loan qualified with 172.05 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000181526

255_118_5137

5137

Credit

Missing Evidence of Property Taxes for REO6

Evidence of property taxes for property 7  on the final application not provided.

(2021-06-15) Lender provided evidence of tax assesment on XXX XXXXXXXXX, condition cleared. (2021-06-09) Lender provided evidence of taxes for REO5.  Evidence of property taxes is required for REO6 = XXX XXXXXXXXX.  Condition remains.

Summary: Primary borrower has 15.00 years in field. ; Summary: UW Guides require 77.38 months reserves, loan qualified with 172.05 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000182261

255_376_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is Missing, No CDA in File, No AVM in file, Field Review not required

(2021-06-23) Recieved the AVM for 2nd value, condition cleared

Summary: Primary borrower has 20.00 years in field. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 120.71 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000182261

255_376_-96350

-96350

Compliance

Lender Credits Finding

This loan failed the initial closing disclosure lender credits finding. ( 12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F), and (D) as amended in 2015 )The initial closing disclosure contains a credit(s) that is not an allowable redisclosure under §1026.19(e)(3)(iv).

(2021-07-13) Condition cleared

Summary: Primary borrower has 20.00 years in field. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 120.71 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000182261

255_376_16071

16071

Compliance

Lender Credits Finding

This loan failed the revised LE lender credits test finding due to one of the following reasons:The revised loan estimate contains a credit(s) that is not an allowable  redisclosure. The disclosure was not delivered timely; or the sum of the specific and non-specific lender credits decreased.

(2021-07-12) condition rescinded (2021-07-01) Condition is rescinded.

Summary: Primary borrower has 20.00 years in field. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 120.71 months reserves.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000189126

255_62_932

932

Credit

Missing AUS results

Missing AUS results.

(2021-06-02) AUS provided

(2021-06-02) Client provided missing AUS - condition cleared

Summary: Borrower has resided in current property for 27.00 years. ; Summary: Refinance reduces total housing payment by  $-X,XXX.XX. ; Summary: Refinance reduces rate from 4.63% to 3.25%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000190557

255_361_18598

18598

Credit

Incorrect Loan Application Format

The legacy format was utilized by the creditor after the redesigned URLA’s mandatory implementation date of XX/XX/XXXX.

(2021-06-30) Lender provided an acceptable initial application dated XX/XX/XXXX.  Condition is cleared.

Summary: Borrower has resided in current property for 12.00 years. ; Summary: UW Guides require 6.01 months reserves, loan qualified with 110.61 months reserves. ; Summary: Primary borrower has 20.00 years in field. ; Summary: Borrower has 20.00 years self employed.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000190557

255_361_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with  Incorrect Loan Application Format.

(2021-07-06) AUS is valid.  Condition is rescinded.

Summary: Borrower has resided in current property for 12.00 years. ; Summary: UW Guides require 6.01 months reserves, loan qualified with 110.61 months reserves. ; Summary: Primary borrower has 20.00 years in field. ; Summary: Borrower has 20.00 years self employed.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000190557

255_361_15997

15997

Credit

Required Documentation is Missing

The loan file is missing K-1 for business B (XXXXX XXXX) listed on Schedule E of personal tax returns. Additional conditions may apply.

(2021-07-06) This documentation is not required.  Condition is rescinded. (2021-06-30) The loan file is missing K-1 for business B (XXXXX XXXX) listed on Schedule E of personal tax returns. Additional conditions may apply.

Summary: Borrower has resided in current property for 12.00 years. ; Summary: UW Guides require 6.01 months reserves, loan qualified with 110.61 months reserves. ; Summary: Primary borrower has 20.00 years in field. ; Summary: Borrower has 20.00 years self employed.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000190557

255_361_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS).

(2021-07-02) AUS Standards are now met and loan meets TQM standards. (2021-07-02) AUS Standards are now met and loan meets TQM standards.

Summary: Borrower has resided in current property for 12.00 years. ; Summary: UW Guides require 6.01 months reserves, loan qualified with 110.61 months reserves. ; Summary: Primary borrower has 20.00 years in field. ; Summary: Borrower has 20.00 years self employed.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000191259

255_12_1456

1456

Credit

Missing Evidence of Insurance for REO1

Missing Evidence of Insurance for property 1 on final application

(2021-05-24) Evidence of insurance for REO1 supplied

(2021-05-24) Client provided evidence of REO1 - condition cleared

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000191259

255_12_1453

1453

Credit

Missing Evidence of Property Taxes for REO1

Evidence of property taxes for property 1  on the final application not provided.

(2021-05-24) Missing property tax info supplied

(2021-05-24) Client provided missing property tax info - condition cleared

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000191259

255_12_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS). Loan does not meet Temporary Qualified Mortgage (TQM) due to missing evidence to support the ommission of liability #1 on the final application and missing verification of the payment history for the liability #13 on the final application

(2021-05-24) AUS Standards are now met and loan meets TQM standards.  Client provided missing documents - condition cleared (2021-05-21) Condition will clear when client provides missing documents

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000198474

255_191_11312

11312

Credit

DTI Exceeds Guidelines

The exception 'DTI Exceeds Guidelines' is cleared. From fields in template: Loan Type ---- Conventional Debt Ratio ---- 11.68 Guideline DTI with Tolerance ---- 15

(2021-06-11) Lender provided an updated AUS approving an increased DTI.  Condition is cleared.

Summary: Primary borrower has 6.00 years in field. ; Summary: The compensating factor 'DTI is lower than guideline maximum' is removed. From fields in template: Debt Ratio ---- 11.68 Guideline DTI ---- 12 DTI is lower than guideline maximum ---- Yes ; Summary: UW Guides require 6.00 months reserves, loan qualified with 54.44 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000198474

255_191_10285

10285

Credit

Incomplete AUS Results

AUS Results are incomplete.

(2021-06-11) The exception for incomplete AUS results is rescinded.

Summary: Primary borrower has 6.00 years in field. ; Summary: The compensating factor 'DTI is lower than guideline maximum' is removed. From fields in template: Debt Ratio ---- 11.68 Guideline DTI ---- 12 DTI is lower than guideline maximum ---- Yes ; Summary: UW Guides require 6.00 months reserves, loan qualified with 54.44 months reserves.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000198474

255_191_18600

18600

Credit

Invalid AUS

The exception 'Invalid AUS' is cleared. From fields in template: How Was Loan Underwritten ---- AUS Assets ---- No CLTV ---- No DTI ---- No FICO ---- No Income ---- No Incorrect Figures ---- No Incorrect Loan Application ---- No LTV ---- No Occupancy ---- No Omission of Debt ---- No Other Debt ---- No Reserves ---- No Subject PITI ---- No Subject Property Address ---- No Wrong Loan Amount ---- No 1008 DTI > LP DTI and does not include rental income for the subject property or the primary residence P&I payment. Actual DTI exceeds 3% variance reflected on 1008 and LP.  DTI calculation on final 1008 incorrect.

(2021-06-18) condition cleared

Summary: Primary borrower has 6.00 years in field. ; Summary: The compensating factor 'DTI is lower than guideline maximum' is removed. From fields in template: Debt Ratio ---- 11.68 Guideline DTI ---- 12 DTI is lower than guideline maximum ---- Yes ; Summary: UW Guides require 6.00 months reserves, loan qualified with 54.44 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000198474

255_191_1538

1538

Credit

Missing Rental Income Documentation for Subject Property

Missing Rental Income Documentation for Subject Property. The required documentation is: ___. The missing documentation is: 1007 or 1025.

(2021-06-11) Lender provided a revised AUS approving the loan at a higher DTI, without rental income.  Condition is cleared.

Summary: Primary borrower has 6.00 years in field. ; Summary: The compensating factor 'DTI is lower than guideline maximum' is removed. From fields in template: Debt Ratio ---- 11.68 Guideline DTI ---- 12 DTI is lower than guideline maximum ---- Yes ; Summary: UW Guides require 6.00 months reserves, loan qualified with 54.44 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000198474

255_191_18602

18602

Credit

Missing required documentation for debt paid by others

Documentation for debt(s) paid by other than borrower does not meet requirements for exclusion from DTI calculations. Missing documentation to support omission of the primary mortgage P&I payment.  Additional conditions may apply.

(2021-06-11) Auto loan payment omitted due to less than 10 payments remaining.  No evidence is required to omit.  Condition is rescinded.

Summary: Primary borrower has 6.00 years in field. ; Summary: The compensating factor 'DTI is lower than guideline maximum' is removed. From fields in template: Debt Ratio ---- 11.68 Guideline DTI ---- 12 DTI is lower than guideline maximum ---- Yes ; Summary: UW Guides require 6.00 months reserves, loan qualified with 54.44 months reserves.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000199290

255_117_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is above 2.5, No CDA in File, No AVM in file, Field Review not required CU score is 2.6. Secondary Valuation required if CU score is 2.6 or higher. No Secondary Valuation in loan file.

(2021-06-16) Client provided high quality AVM - condition cleared

Summary: UW Guides require 6.00 months reserves, loan qualified with 174.85 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000202061

255_24_1819

1819

Compliance

FCRA Negative Information Notice Missing

FCRA Negative Information Notice Missing

(2021-07-12) Missing disclosure is non-material.    B Level grade

Summary: UW Guides require 6.00 months reserves, loan qualified with 10.21 months reserves. ; Summary: Primary borrower has 16.67 years in field.

Cleared

2

2

B

B

B

B

B

B

B

B

B

B

Yes

0000202556

255_283_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with  Other Debt, Wrong Loan Amount,. Invalid AUS due to incorrect loan amount, LTV/CLTV and total debt.

(2021-06-23) Lender provided Final CDs for XXXX XXXXX XXX and XXXX XXXXXXXX XX with HOI, also based on the mortgages being paid off, refi property only paying off revolving accounts, fulfills the VOM required of 12, reflecting 15 months, condition cleared

Summary: Primary borrower has 5.08 years in field. ; Summary: UW Guides require 9.40 months reserves, loan qualified with 80.73 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000202556

255_283_1454

1454

Credit

Missing Evidence of Insurance for Primary Residence

Missing Evidence of Insurance for Primary Residence

(2021-06-23) Lender provided insurance policy, condition cleared.

Summary: Primary borrower has 5.08 years in field. ; Summary: UW Guides require 9.40 months reserves, loan qualified with 80.73 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000202556

255_283_1470

1470

Credit

Missing Evidence that Primary Residence is Owned Free and Clear

Missing Evidence that Primary Residence is Owned Free and Clear Evidence primary residence on the final application is free & clear not provided. AUS omitted P&I payment from liabilities.

(2021-06-23) Lender provided Final CD dated XX/XX/XXXX to show property was refinance and is not free and clear, condition cleared

Summary: Primary borrower has 5.08 years in field. ; Summary: UW Guides require 9.40 months reserves, loan qualified with 80.73 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000202556

255_283_1469

1469

Credit

Missing Evidence that REO1 Property is Owned Free and Clear

Missing Evidence that REO1 Property is Owned Free and Clear Evidence property #3 XXXX XXXX XXX on the final application is free & clear not provided. AUS omitted P&I payment from liabilities.

(2021-06-23) Lender provided Final CD for XXXX XXXXX XXX showing mortgages being paid off  #2 XXXX XXXXXX and #3 XXXX XXXX XXX, condition cleared.

Summary: Primary borrower has 5.08 years in field. ; Summary: UW Guides require 9.40 months reserves, loan qualified with 80.73 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000202556

255_283_5128

5128

Credit

Missing Evidence that REO2 Property is Owned Free and Clear

Missing Evidence that REO2 Property is Owned Free and Clear Evidence property #4 XXXX XXXXXX XX on the final application is free & clear not provided. AUS omitted P&I payment from liabilities.

(2021-06-23) Lender provided Final CD for XXXX XXXXX XXX showing mortgages being paid off  #2 XXXX XXXXXX and #3 XXXX XXXX XXX, condition cleared.

Summary: Primary borrower has 5.08 years in field. ; Summary: UW Guides require 9.40 months reserves, loan qualified with 80.73 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000202556

255_283_2596

2596

Credit

Missing Verification of Mortgage

Credit Report does not have the required mortgage history of ___ and there is no other verification of mortgage in file. Missing VOM for mortgages with balance of $XXX,XXX.XX and $XXX,XXX.XX required by AUS.

(2021-06-23) Lender provided Final CDs for XXXX XXXXX XXX and XXXX XXXXXXXX XX with HOI, also based on the mortgages being paid off, Refi property only paying off revolving accounts, fulfills the VOM required of 12, reflecting 15 months, condition cleared.

Summary: Primary borrower has 5.08 years in field. ; Summary: UW Guides require 9.40 months reserves, loan qualified with 80.73 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000202556

255_283_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS). Loan does not meet criteria for Temporary Qualified Mortgage due to missing documentation for omission of mortgages with balances of $XXX,XXX, $XX,XXX and $XXXXX.XX. Additionally, missing VOM for mortgages with balance of $XXX,XXX and $XXXXXX.. Additional conditions may apply.

(2021-06-23) AUS Standards are now met and loan meets TQM standards. (2021-06-23) trailing docs- Lender provided Final CDs for XXX and XXX with HOI, also based on the mortgages being paid off, refi property only paying off revolving accounts, fulfills the VOM required of 12, reflecting 15 months, condition cleared.

Summary: Primary borrower has 5.08 years in field. ; Summary: UW Guides require 9.40 months reserves, loan qualified with 80.73 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000210332

255_264_11312

11312

Credit

DTI Exceeds Guidelines

Guidelines reflect a DTI of 46.41%. Due to a miscalculation of debts to income, the actual DTI is 47.30%. Income  used includes total borrower income $XX,XXX.XX plus subject property positive rental income $0.00 plus other REO positive rental income $0.00. Total debt amount used is $X,XXX.XX. The AUS reflects a maximum allowable DTI of 46%. Total debts of $X,XXX.XX vs. $X,XXX.XX debt on AUS.  AUS reflected omission of debts without sufficient proof to remove from DTI.

(2021-06-23) Lender provided Final CDs for XXXX X XXXXXXXX and XXXX XX XX XX, since XXXX X XXXXXXXX is Commerical loan for S Corp business was removed from DTI, condition cleared. (2021-06-22) Client provided XXXXXXXXXX and OFAC report only - this condition is still active

Summary: Primary borrower has 16.30 years in field. ; Summary: Borrower has 16.30 years self employed. ; Summary: Borrower has resided in current property for 3.00 years. ; Summary: Refinance reduces total housing payment by  $-X,XXX.XX.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000210332

255_264_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI,.

(2021-07-12) Condition is cleared

Summary: Primary borrower has 16.30 years in field. ; Summary: Borrower has 16.30 years self employed. ; Summary: Borrower has resided in current property for 3.00 years. ; Summary: Refinance reduces total housing payment by  $-X,XXX.XX.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000210332

255_264_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  1 Fraud Report in file Borrower: No CoBorrower: ___ Borrower 3: ___ Borrower 4: ___ The file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search. Additional conditions may apply.

(2021-06-21) Lender provided an acceptable fraud report.  Condition is cleared.

Summary: Primary borrower has 16.30 years in field. ; Summary: Borrower has 16.30 years self employed. ; Summary: Borrower has resided in current property for 3.00 years. ; Summary: Refinance reduces total housing payment by  $-X,XXX.XX.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000210332

255_264_10748

10748

Credit

OFAC Search

The OFAC search was not provided. Borrowers on loan: 1  OFAC search in file:  Borrower: No CoBorrower:___ Borrower 3: ___ Borrower 4: ___ The file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search. Additional conditions may apply.

(2021-06-21) Lender provided an acceptable OFAC.  Condition is cleared.

Summary: Primary borrower has 16.30 years in field. ; Summary: Borrower has 16.30 years self employed. ; Summary: Borrower has resided in current property for 3.00 years. ; Summary: Refinance reduces total housing payment by  $-X,XXX.XX.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000210332

255_264_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS). Loan does not meet criteria for Temporary Qualified Mortgage due to missing evidence of omitted debts on credit report as required per AUS.  Missing copies of notes for REO #5, REO #6 and REO #7 as reflected on the final application.  Additional conditions may apply.

(2021-06-23) AUS Standards are now met and loan meets TQM standards. (2021-06-23) Lender provided Final CDs for XXXX X XXXXXXXX and XXXX XX XX XX, condition cleared. (2021-06-22) Client provided XXXXXXXXXXX and OFAC report only - this condition is still active

Summary: Primary borrower has 16.30 years in field. ; Summary: Borrower has 16.30 years self employed. ; Summary: Borrower has resided in current property for 3.00 years. ; Summary: Refinance reduces total housing payment by  $-X,XXX.XX.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000212961

255_10_17470

17470

Compliance

ECOA: Delivery of Appraisal/Valuation to Applicant Not Timely

ECOA: Delivery of Appraisal/Valuation to Applicant Not Timely

(2021-07-12) Condition Cleared

Summary: Coborrower has 10.67 years self employed. ; Summary: Primary borrower has 17.67 years in field. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 53.34 months reserves.

Cleared

2

1

B

A

B

A

B

A

B

A

B

A

Yes

0000213674

255_42_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with  Income,.

(2021-06-02) Invalid AUS condition cleared

Summary: Borrower has resided in current property for 27.00 years. ; Summary: Refinance reduces total housing payment by  $-XXXX.XX. ; Summary: UW guides maximum DTI of 50.00%, loan qualified with DTI of 32.02%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000213674

255_42_1120

1120

Credit

LTV exceeds guidelines

Lender guidelines requires a maximum LTV of 19.45%.  However, the current LTV of the subject is 19.57%. The appraisal or sales price value used was $XXXXXXX.XX  having a loan purpose of  Refinance-Term.

(2021-06-02) LTV issue cleared

Summary: Borrower has resided in current property for 27.00 years. ; Summary: Refinance reduces total housing payment by  $-XXXX.XX. ; Summary: UW guides maximum DTI of 50.00%, loan qualified with DTI of 32.02%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000213674

255_42_1467

1467

Credit

Missing Evidence of XXX Dues for Second Home

Missing Evidence of XXX Dues for Second Home

(2021-06-02) Evidence of XXX dues for 2nd home condition cleared

Summary: Borrower has resided in current property for 27.00 years. ; Summary: Refinance reduces total housing payment by  $-XXXX.XX. ; Summary: UW guides maximum DTI of 50.00%, loan qualified with DTI of 32.02%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000213674

255_42_1455

1455

Credit

Missing Evidence of Insurance for Second Home

Missing Evidence of Insurance for Second Home Missing evidence of Hazard Insurance for REO #4 (Second Home) reflected on the final loan application.  Additional conditions may apply.

(2021-06-02) Evidence of Ins on second home provided

(2021-06-02) Client provided evidence of insurance on 2nd home - condition cleared

Summary: Borrower has resided in current property for 27.00 years. ; Summary: Refinance reduces total housing payment by  $-XXXX.XX ; Summary: UW guides maximum DTI of 50.00%, loan qualified with DTI of 32.02%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000213674

255_42_1452

1452

Credit

Missing Evidence of Property Taxes for Second Home

Missing Evidence of Property Taxes for Second Home Missing evidence of Property Taxes for REO #4 (Second Home) reflected on the final loan application.  Additional conditions may apply.

(2021-06-02) Evidence of property taxes for 2nd home provided

(2021-06-02) Client provided evidence of taxes on 2nd home - condition cleared

Summary: Borrower has resided in current property for 27.00 years. ; Summary: Refinance reduces total housing payment by  $-XXXX.XX. ; Summary: UW guides maximum DTI of 50.00%, loan qualified with DTI of 32.02%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000213674

255_42_5128

5128

Credit

Missing Evidence that REO2 Property is Owned Free and Clear

Missing Evidence that REO2 Property is Owned Free and Clear

(2021-06-02) condition cleared

Summary: Borrower has resided in current property for 27.00 years. ; Summary: Refinance reduces total housing payment by  $-XXXX.XX. ; Summary: UW guides maximum DTI of 50.00%, loan qualified with DTI of 32.02%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000213674

255_42_1457

1457

Credit

Missing Executed Personal Tax Returns for Borrower

Guidelines state: At least 2 years personal returns required.  Status of Personal Tax Return: Incomplete.  Tax Transcripts in file: Missing.  Details: Missing 2 years of tax returns - only obtained year XXXX The AUS (DU) in file states Interest and dividend income must be verified by 2 years tax returns and all supporting schedules, or account statements.  It must have been received for the past two years and the asset generating the income must be verified. Lenders income worksheet indicates income calculated on a two year average.  File only contains XXXX tax returns.  Missing additional year of tax returns. Additional conditions may apply.

(2021-06-02) XXXX personal tax returns provided

(2021-06-02) Client provided XXXX personal tax returns - condition  cleared

Summary: Borrower has resided in current property for 27.00 years. ; Summary: Refinance reduces total housing payment by  $-XXXX.XX ; Summary: UW guides maximum DTI of 50.00%, loan qualified with DTI of 32.02%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000213674

255_42_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score not used for secondary valuation, CDA Not Required, AVM not required, Field Review not required

(2021-06-02) secondary valuation condition cleared

Summary: Borrower has resided in current property for 27.00 years. ; Summary: Refinance reduces total housing payment by  $-XXXX.XX. ; Summary: UW guides maximum DTI of 50.00%, loan qualified with DTI of 32.02%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000213674

255_42_15997

15997

Credit

Required Documentation is Missing

The loan file is missing 2 yhears tax returns and payment info for the property at XXXX X XXXXXXXX

(2021-06-02) Condition cleared

Summary: Borrower has resided in current property for 27.00 years. ; Summary: Refinance reduces total housing payment by  $-XXXX.XX. ; Summary: UW guides maximum DTI of 50.00%, loan qualified with DTI of 32.02%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000213674

255_42_-96366

-96366

Compliance

Charges That Cannot Increase Test

This loan passed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that do not exceed the good faith determination according to §1026.19(e)(3)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).

(2021-07-12) condition cleared (2021-07-09) condition cleared

Summary: Borrower has resided in current property for 27.00 years. ; Summary: Refinance reduces total housing payment by  $-XXXX.XX. ; Summary: UW guides maximum DTI of 50.00%, loan qualified with DTI of 32.02%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000213674

255_42_-96348

-96348

Compliance

Lender Credits That Cannot Decrease Test

This loan passed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains lender credits that do not exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($X,XXX.XX) exceeds or equals the comparable sum of specific and non-specific lender credits ($X,XXX.XX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). The initial CD dated XX/XX/XXXX reflects a lender credit in the amount of $XX,XXX.XX. The lender credit decreased to $X,XXX.XX on the CD dated XX/XX/XXXX  with no indication of a valid COC to account for the $X,XXX.XX decrease in the credit. Provide corrected CD, evidence of refund to the Borrower, letter of explanation and proof of delivery to the Borrower.

(2021-06-07) COC and Rate lock provided - condition active

(2021-06-08) The loan was repriced on X/XX/XXXX due to NOO which caused the LC to decrease. This is a valid COC. Invalid finding. Finding rescinded. (2021-06-07) COC and Rate Lock provided - condition is still active

Summary: Borrower has resided in current property for 27.00 years. ; Summary: Refinance reduces total housing payment by  $-XXXX.XX. ; Summary: UW guides maximum DTI of 50.00%, loan qualified with DTI of 32.02%.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000213674

255_42_-96362

-96362

Compliance

Reimbursement Amount Test

This loan passed the reimbursement amount test.  (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX.XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $0.00.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation. The initial CD dated XX/XX/XXXX reflects a lender credit in the amount of $XX,XXX.XX. The lender credit decreased to $X,XXX.XX on the CD dated XX/XX/XXXX  with no indication of a valid COC to account for the $X,XXX.XX decrease in the credit. Provide corrected CD, evidence of refund to the Borrower, letter of explanation and proof of delivery to the Borrower.

(2021-06-07) COC and Rate lock provided - condition is active

(2021-07-12) condition cleared (2021-06-07) client provided COC and rate lock - condition still active

Summary: Borrower has resided in current property for 27.00 years. ; Summary: Refinance reduces total housing payment by  $-XXXX.XX. ; Summary: UW guides maximum DTI of 50.00%, loan qualified with DTI of 32.02%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000213674

255_42_-96374

-96374

Compliance

TRID "Section C. Services You Can Shop For / Services Borrower Did Shop For" Validation Test

This loan failed the TRID "Section C. Services You Can Shop For / Services Borrower Did Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section C. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount and a subtotal of all such amounts the consumer will pay for settlement services for which the consumer can shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker.

(2021-07-12) condition cleared

Summary: Borrower has resided in current property for 27.00 years. ; Summary: Refinance reduces total housing payment by  $-XXXX.XX. ; Summary: UW guides maximum DTI of 50.00%, loan qualified with DTI of 32.02%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000213674

255_42_-96354

-96354

Compliance

TRID Post-Consummation Event Validation Test

This loan failed the TRID Post-Consummation Event Validation Test.This loan has a post-consummation event date that occurs on or before the closing date or consummation date of the loan. Please review the loan data to ensure the dates are in the correct fields.

(2021-07-12) condition cleared (2021-07-09) condition cleared This compliance test 'TRID Post-Consummation Event Validation Test' is no longer tested

Summary: Borrower has resided in current property for 27.00 years. ; Summary: Refinance reduces total housing payment by  $-XXXX.XX. ; Summary: UW guides maximum DTI of 50.00%, loan qualified with DTI of 32.02%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000214370

255_199_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is above 2.5, No CDA in File, No AVM in file, No Field Review in file

(2021-06-16) Client provided high value AVM- condition cleared

Summary: Primary borrower has 11.25 years in field. ; Summary: UW Guides require 21.81 months reserves, loan qualified with 78.95 months reserves. ; Summary: Borrower has 11.25 years self employed.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000214664

255_99_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is above 2.5, No CDA in File, No AVM in file, Field Review not required CU score is 2.8. When CU score is 2.6 or higher, a secondary valuation is required. No secondary valuation in the loan file.

(2021-06-10) Client provided XXXXX XXXXXXX high quality AVM - condition cleared

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000214711

255_61_15997

15997

Credit

Required Documentation is Missing

Copies of the Notes associated with REO #2 and REO #3 are missing.

(2021-06-01) Notes for REOs missing were provided

(2021-06-01) Client provided missing notes for REOs - condition cleared

Summary: UW Guides require 16.76 months reserves, loan qualified with 31.89 months reserves. ; Summary: Primary borrower has 13.25 years in field. ; Summary: Borrower has 13.25 years self employed. ; Summary: Refinance reduces rate from 7.13% to 3.38%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000214711

255_61_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS). The exception status is currently Active. Evidence to support omission of mortgage debt associated with REO #2 and REO #3 as required per AUS is missing. AUS Standards are now met and loan meets TQM standards. Client provided copies of missing notes for REOs required by AUS - condition cleared.

(2021-07-12) AUS Standards are now met and loan meets TQM standards. (2021-07-12) condition cleared (2021-07-09) AUS Standards are now met and loan meets TQM standards. Client provided copies of missing notes for REOs required by AUS - condition cleared.

Summary: UW Guides require 16.76 months reserves, loan qualified with 31.89 months reserves. ; Summary: Primary borrower has 13.25 years in field. ; Summary: Borrower has 13.25 years self employed. ; Summary: Refinance reduces rate from 7.13% to 3.38%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000214790

255_257_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is Missing, No CDA in File, No AVM in file, Field Review not required

(2021-06-15) Lender provided an acceptable CDA.  Condition is cleared.

Summary: UW Guides require 6.00 months reserves, loan qualified with 10.17 months reserves. ; Summary: Refinance reduces rate from 4.75% to 3.38%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000214790

255_257_15997

15997

Credit

Required Documentation is Missing

The loan file is missing evidence of primary housing payment. Additional conditions may apply.

(2021-07-02) Lender provided a LOX from the borrower showing her rent is $X,XXX and the condition is cleared. (2021-06-10) The loan file is missing evidence of primary housing payment. Additional conditions may apply.

Summary: UW Guides require 6.00 months reserves, loan qualified with 10.17 months reserves. ; Summary: Refinance reduces rate from 4.75% to 3.38%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000217005

255_375_1457

1457

Credit

Missing Executed Personal Tax Returns for Borrower

Guidelines state: At least 1 year personal returns required.  Status of Personal Tax Return: No.  Tax Transcripts in file: No.  Details: The loan file is missing a complete copy of XXXX personal returns with all schedules and pages attached.  Additional conditions may apply. The loan file is missing a complete copy of XXXX personal returns with all schedules and pages attached.  Additional conditions may apply.

(2021-06-25) Lender provided complete XXXX personal tax returns.  Condition is cleared.

Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: Refinance reduces rate from 4.88% to 3.13%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000218520

255_92_16059

16059

Compliance

Initial Closing Disclosure timing requirement not met

Based on the date of the initial CD, the borrower was not in receipt of the initial CD 3 business days prior to consummation.

(2021-06-07) CD provided reflecting proper timing.

Summary: Borrower has resided in current property for 9.58 years. ; Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: Primary borrower has 9.83 years in field. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 9.33 months reserves. ; Summary: Refinance reduces rate from 4.00% to 3.38%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000218520

255_92_16061

16061

Compliance

Initial Closing Disclosure timing requirement not met - missing consummation date

This loan failed the initial CD delivery date test due to one of the following findings: The initial CD delivery date is provided and the initial CD disclosure method of delivery is marked as either: "USPS First Class Mail" or "Electronic Delivery" or blank, and the initial CD delivery date is less than six business days before the consummation date, or the closing/settlement date if no consummation date is provided, of the transaction; or "In Person" and the initial CD delivery date is less than three business days before the consummation date, or the closing/settlement date if no consummation date is provided, of the transaction; or the initial CD receipt date is provided and the initial CD receipt date is less than three business days before consummation date, or closing/settlement date if no consummation date is provided, of the transaction.

(2021-06-07) Initial CD provided meeting appropriate timing requirements.

Summary: Borrower has resided in current property for 9.58 years. ; Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: Primary borrower has 9.83 years in field. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 9.33 months reserves. ; Summary: Refinance reduces rate from 4.00% to 3.38%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000218701

255_44_16923

16923

Credit

Hazard Insurance Shortfall

The hazard insurance policy in file reflected dwelling coverage of $XXX,XXX.XX.  The loan amount is $XXX,XXX.XX which leaves a shortage of hazard insurance coverage for  $XX,XXX.XX. The hazard insurance policy in file reflected dwelling coverage of $XXX,XXX.XX.  The loan amount is $XXX,XXX.XX which leaves a shortage of hazard insurance coverage for  $XX,XXX.XX.   A Cost Estimator was not in the file.

(2021-05-27) Replacement cost evidence on HO Ins policy supplied by client. Condition cleared

Summary: Borrower has resided in current property for 21.00 years. ; Summary: Refinance reduces total housing payment by  $-X,XXX.XX. ; Summary: UW Guides require 14.82 months reserves, loan qualified with 55.68 months reserves. ; Summary: Primary borrower has 34.83 years in field. ; Summary: Refinance reduces rate from 4.74% to 3.38%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000218701

255_44_-96351

-96351

Compliance

Lender Credits Finding

This loan failed the revised loan estimate lender credits finding. ( 12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F), and (D) as amended in XXXX )The revised loan estimate contains a credit(s) that is not an allowable redisclosure under §1026.19(e)(3)(iv).

(2021-06-08) The lock was extended on XX/XX/XXXX which reduced the LC. Invalid finding. Finding rescinded. (2021-06-07) Client provided Rate locks, LE and CD - condition active

Summary: Borrower has resided in current property for 21.00 years. ; Summary: Refinance reduces total housing payment by  $-X,XXX.XX. ; Summary: UW Guides require 14.82 months reserves, loan qualified with 55.68 months reserves. ; Summary: Primary borrower has 34.83 years in field. ; Summary: Refinance reduces rate from 4.74% to 3.38%.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000218701

255_44_16071

16071

Compliance

Lender Credits Finding

This loan failed the revised LE lender credits test finding due to one of the following reasons:The revised loan estimate contains a credit(s) that is not an allowable  redisclosure. The disclosure was not delivered timely; or the sum of the specific and non-specific lender credits decreased.

(2021-06-08) The lock was extended on XX/XX/XXXX which reduced the LC. Invalid finding. Finding rescinded.

Summary: Borrower has resided in current property for 21.00 years. ; Summary: Refinance reduces total housing payment by  $-X,XXX.XX. ; Summary: UW Guides require 14.82 months reserves, loan qualified with 55.68 months reserves. ; Summary: Primary borrower has 34.83 years in field. ; Summary: Refinance reduces rate from 4.74% to 3.38%.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000218701

255_44_-96350

-96350

Compliance

Lender Credits Finding

This loan failed the initial closing disclosure lender credits finding. ( 12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F), and (D) as amended in XXXX )The initial closing disclosure contains a credit(s) that is not an allowable redisclosure under §1026.19(e)(3)(iv).

(2021-06-07) Rate locks, LE and CD submitted - condition active

(2021-06-08) The lock was extended on XX/XX/XXXX which reduced the LC. Invalid finding. Finding rescinded. (2021-06-07) Client provided Rate locks, LE and CD - condition active

Summary: Borrower has resided in current property for 21.00 years. ; Summary: Refinance reduces total housing payment by  $-X,XXX.XX. ; Summary: UW Guides require 14.82 months reserves, loan qualified with 55.68 months reserves. ; Summary: Primary borrower has 34.83 years in field. ; Summary: Refinance reduces rate from 4.74% to 3.38%.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000218701

255_44_-96348

-96348

Compliance

Lender Credits That Cannot Decrease Test

This loan passed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains lender credits that do not exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($X,XXX.XX) exceeds or equals the comparable sum of specific and non-specific lender credits ($X,XXX.XX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). The LE dated XX/XX/XXXX reflects a lender credit in the amount of $XXX.XX. The lender credit decreased to $XXX.XX on the CD dated XX/XX/XXXX with no indication of a valid COC to account for the $XXX.XX decrease in the credit. Provide corrected CD, evidence of refund to the Borrower, letter of explanation and proof of delivery to the Borrower.

(2021-06-08) The lock was extended on XX/XX/XXXX which reduced the LC. Invalid finding. Finding rescinded. (2021-06-07) Client provided Rate locks, LE and CD - condition active (2021-06-07) Client provided Rate locks, LE and CD - condition active

Summary: Borrower has resided in current property for 21.00 years. ; Summary: Refinance reduces total housing payment by  $-X,XXX.XX. ; Summary: UW Guides require 14.82 months reserves, loan qualified with 55.68 months reserves. ; Summary: Primary borrower has 34.83 years in field. ; Summary: Refinance reduces rate from 4.74% to 3.38%.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000218827

255_45_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  1 Fraud Report in file Borrower: No CoBorrower: ___ Borrower 3: ___ Borrower 4: ___

(2021-06-01) XXXXXXXXXX report provided

(2021-06-01) Client provided XXXXXXXXXX report - condition cleared

Summary: UW Guides require 6.00 months reserves, loan qualified with 663.01 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000218827

255_45_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS). Third Party Fraud Tool is missing.

(2021-07-09) AUS Standards are now met and loan meets TQM standards.  Client provided XXXXXXXXXX report - condition cleared

Summary: UW Guides require 6.00 months reserves, loan qualified with 663.01 months reserves.

Active

2

2

B

B

B

B

B

B

B

B

B

B

Yes

0000218854

255_46_1175

1175

Credit

Credit score does not meet guidelines

Credit score of 0 is less than  800, the minimum credit score required per lender guidelines  A credit report  for the borrower was not provided. Additional conditions may be apply.

(2021-06-01) Credit report provided with adequate scores

(2021-06-01) Client provided missing credit report  with adequate scores - condition cleared

Summary: Borrower has resided in current property for 21.00 years. ; Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 14.51 months reserves, loan qualified with 48.31 months reserves. ; Summary: Primary borrower has 34.00 years in field. ; Summary: Refinance reduces rate from 4.99% to 3.38%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000218854

255_46_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with  FICO,. The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects 800 FICO score, no credit report in file.

(2021-06-01) Credit report provided

(2021-06-01) Client provided missing credit report - condition cleared.

Summary: Borrower has resided in current property for 21.00 years. ; Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 14.51 months reserves, loan qualified with 48.31 months reserves. ; Summary: Primary borrower has 34.00 years in field. ; Summary: Refinance reduces rate from 4.99% to 3.38%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000218854

255_46_959

959

Credit

Missing Credit Report - Borrower

A credit report for the borrower was not provided.

(2021-06-01) Credit Report provided

(2021-06-01) Client provided missing credit report - condition cleared.

Summary: Borrower has resided in current property for 21.00 years. ; Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 14.51 months reserves, loan qualified with 48.31 months reserves. ; Summary: Primary borrower has 34.00 years in field. ; Summary: Refinance reduces rate from 4.99% to 3.38%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000218854

255_46_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS). The exception status is currently Active. Loan is failing to meet Temporary qualified Mortgage (TQM) standards due to missing credit report. Condition will clear when client supplies missing documents. AUS Standards are now met and loan meets TQM standards.  Client provided missing credit report - condition cleared.

(2021-07-12) AUS Standards are now met and loan meets TQM standards. (2021-07-12) Condition cleared (2021-07-09) AUS Standards are now met and loan meets TQM standards.  Client provided missing credit report - condition cleared. (2021-05-25) Condition will clear when client supplies missing documents.

Summary: Borrower has resided in current property for 21.00 years. ; Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 14.51 months reserves, loan qualified with 48.31 months reserves. ; Summary: Primary borrower has 34.00 years in field. ; Summary: Refinance reduces rate from 4.99% to 3.38%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000219983

255_89_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with  Subject PITI,.

(2021-07-12) Invalid finding. Finding rescinded.

Summary: UW Guides require 18.03 months reserves, loan qualified with 47.39 months reserves. ; Summary: Primary borrower has 40.08 years in field. ; Summary: Borrower has 40.08 years self employed.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000219983

255_89_15997

15997

Credit

Required Documentation is Missing

The loan file is missing copies of the notes for REO #2 and REO #3.  Additional conditions may apply.

(2021-06-04) client provided sufficient documentation to clear condition in original loan file

Summary: UW Guides require 18.03 months reserves, loan qualified with 47.39 months reserves. ; Summary: Primary borrower has 40.08 years in field. ; Summary: Borrower has 40.08 years self employed.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000219983

255_89_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS). Loan does not meet criteria for Temporary Qualified Mortgage due to is missing evidence to support the omission of debt. Evidence to support omissions of mortgage debt for REO #2 and REO #3 listed on the final application is missing.

(2021-07-12) Change status of 'Non-TQM - Failing AUS' from Rescind to Cleared. . (2021-05-26) Condition will clear when client provides missing documents

Summary: UW Guides require 18.03 months reserves, loan qualified with 47.39 months reserves. ; Summary: Primary borrower has 40.08 years in field. ; Summary: Borrower has 40.08 years self employed.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000220890

255_73_1454

1454

Credit

Missing Evidence of Insurance for Primary Residence

Missing Evidence of Insurance for Primary Residence

(2021-07-12) Client provided documentation to resolve. Condition cleared.

Summary: UW Guides require 11.97 months reserves, loan qualified with 161.63 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000220890

255_73_1456

1456

Credit

Missing Evidence of Insurance for REO1

Missing Evidence of Insurance for property 2 on final application

(2021-06-01) CD provided showing HO Ins insurance information

(2021-06-01) Client provided CD showing HO insurance information - condition cleared

Summary: UW Guides require 11.97 months reserves, loan qualified with 161.63 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000220890

255_73_8718

8718

Credit

Missing Evidence of Insurance for REO2

Missing Evidence of Insurance for property 3 on final application

(2021-06-01) CD provided showing HO Ins information

(2021-06-01) Client provided CD for proof of HO Ins - condition cleared

Summary: UW Guides require 11.97 months reserves, loan qualified with 161.63 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000220890

255_73_8719

8719

Credit

Missing Evidence of Insurance for REO3

Missing Evidence of Insurance for property 4 on final application

(2021-06-01) CD provided showing proof of HO Ins coverage

(2021-06-01) Client provided CD showing proof of HO Ins coverage - condition cleared

Summary: UW Guides require 11.97 months reserves, loan qualified with 161.63 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000220890

255_73_1451

1451

Credit

Missing Evidence of Property Taxes for Primary Residence

Missing Evidence of Property Taxes for Primary Residence

(2021-06-01) CD showing evidence of property tax information provided

(2021-06-01) Client provided CD showing evidence of property tax information - condition cleared

Summary: UW Guides require 11.97 months reserves, loan qualified with 161.63 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000220890

255_73_1453

1453

Credit

Missing Evidence of Property Taxes for REO1

Evidence of property taxes for property 2  on the final application not provided.

(2021-06-01) CD provided showing property tax information for property

(2021-06-01) Client provided CD showing property tax information - condition cleared

Summary: UW Guides require 11.97 months reserves, loan qualified with 161.63 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000220890

255_73_12428

12428

Credit

Missing Evidence of Property Taxes for REO2

Evidence of property taxes for property 3  on the final application not provided.

(2021-06-01) CD provided showing proof of taxes information

(2021-06-01) Client provided CD with proof of property tax information - condition cleared

Summary: UW Guides require 11.97 months reserves, loan qualified with 161.63 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000220890

255_73_12429

12429

Credit

Missing Evidence of Property Taxes for REO3

Evidence of property taxes for property 4  on the final application not provided.

(2021-06-01) CD provided showing proof of property tax information

(2021-06-01) Client provided CD showing proof of property tax information - condition cleared

Summary: UW Guides require 11.97 months reserves, loan qualified with 161.63 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000220890

255_73_15997

15997

Credit

Required Documentation is Missing

The loan file is missing evidence of principle and interest for 2nd lien on primary residence supporting payment of $XXX.XX.  Additional conditions may apply. The loan file is missing evidence of principle and interest on REO's #2,3 and 4. Additional conditions may apply.

(2021-06-01) Missing information supplied by client - condition cleared

Summary: UW Guides require 11.97 months reserves, loan qualified with 161.63 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000221223

255_30_8676

8676

Credit

Missing Evidence of XXX Dues for REO8

Missing Evidence of XXX Dues for REO8 Missing evidence of XXX dues for properties #9 on the final loan application.

(2021-06-08) XXX information provided (2021-06-08) Provided evidence of XXX fee for XXXX XXXXXXXX.  However, evidence of XXX fee is required for XXXX XXXXXXXXX XXXXXX XX (REO8).   Condition remains.

(2021-06-08) Client provided XXX information - condition cleared (2021-06-07) Lender provided evidence of XXX fee for XXXX XXXXXXXX.  However, evidence of XXX fee is required for XXXX XXXXXXXXX XXXXXX XX (REO8).   Condition remains.

Summary: Primary borrower has 50.00 years in field. ; Summary: UW Guides require 69.56 months reserves, loan qualified with 397.47 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000221223

255_30_1453

1453

Credit

Missing Evidence of Property Taxes for REO1

Evidence of property taxes for property 2  on the final application not provided. Evidence of property taxes for departing residence/property, #2 on the final application not provided.

(2021-06-08) property tax information provided (2021-06-08) provided evidence of taxes for XXX XXXXXXX.  However, evidence of property tax expense is required for XXXX XXXXXX XX (REO1).  Condition remains.

(2021-06-08) Client provided property tax information - condition cleared (2021-06-07) Lender provided evidence of taxes for XXX XXXXXXX.  However, evidence of property tax expense is required for XXXX XXXXXX XX (REO1).  Condition remains.

Summary: Primary borrower has 50.00 years in field. ; Summary: UW Guides require 69.56 months reserves, loan qualified with 397.47 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000221223

255_30_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS). Loan does not meet criteria for Temporary Qualified Mortgage due to missing taxes for REO #2 and XXX for REO #9.

(2021-06-08) AUS Standards are now met and loan meets TQM standards.   Missing documents provided (2021-05-24) Condition will clear when client provides missing documents

Summary: Primary borrower has 50.00 years in field. ; Summary: UW Guides require 69.56 months reserves, loan qualified with 397.47 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000221452

255_269_1126

1126

Credit

CLTV exceeds guidelines

Lender guidelines requires a maximum CLTV of 30.52%.  However, the current CLTV of the subject is 31.05%. The appraisal or sales price value used was $XXX,XXX.XX having a loan purpose of  Refinance-Term.

(2021-07-13) Condition Rescinded

Summary: UW Guides require 5.93 months reserves, loan qualified with 107.50 months reserves. ; Summary: Borrower has resided in current property for 5.00 years.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000221452

255_269_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with  LTV, CLTV,.

(2021-06-09) condition cleared with rescission of other incorrect conditons

Summary: UW Guides require 5.93 months reserves, loan qualified with 107.50 months reserves. ; Summary: Borrower has resided in current property for 5.00 years.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000221452

255_269_1103

1103

Credit

Loan amount exceeds the guideline maximum

Lender guidelines allow a maximum loan amount of $XXX,XXX.XX, per the loan approval and Note, the subject loan amount is $XXX,XXX.XX.

(2021-07-13) condition cleared

Summary: UW Guides require 5.93 months reserves, loan qualified with 107.50 months reserves. ; Summary: Borrower has resided in current property for 5.00 years.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000221452

255_269_1120

1120

Credit

LTV exceeds guidelines

Lender guidelines requires a maximum LTV of 30.52%.  However, the current LTV of the subject is 31.05%. The appraisal or sales price value used was $XXX,XXX.XX  having a loan purpose of  Refinance-Term.

(2021-07-13) condition cleared

Summary: UW Guides require 5.93 months reserves, loan qualified with 107.50 months reserves. ; Summary: Borrower has resided in current property for 5.00 years.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000223286

255_58_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  2 Fraud Report in file Borrower: No CoBorrower: No Borrower 3: ___ Borrower 4: ___

(2021-06-01) XXXXX XXXXX report provided with OFAC cleared

(2021-06-01) Client provided XXXXX XXXXX report provided with OFAC cleared - condition cleared

Summary: Borrower has resided in current property for 20.00 years. ; Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 9.38 months reserves, loan qualified with 57.38 months reserves. ; Summary: Refinance reduces rate from 4.00% to 3.38%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000223286

255_58_10748

10748

Credit

OFAC Search

The OFAC search was not provided. Borrowers on loan: 2  OFAC search in file:  Borrower: No CoBorrower:No Borrower 3: ___ Borrower 4: ___

(2021-06-01) XXXXX XXXXX report provided with OFAC cleared

(2021-06-01) Client provided XXXXX XXXXX report with OFAC cleared - condition cleared

Summary: Borrower has resided in current property for 20.00 years. ; Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 9.38 months reserves, loan qualified with 57.38 months reserves. ; Summary: Refinance reduces rate from 4.00% to 3.38%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000223495

255_100_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score not used for secondary valuation, No CDA in File, No AVM in file, Field Review not required

(2021-06-10) Client Provided XXX AVM Core high quality AVM report - condition cleared

Summary: UW Guides require 13.45 months reserves, loan qualified with 21.99 months reserves. ; Summary: UW guides maximum DTI of 45.57%, loan qualified with DTI of 42.82%. ; Summary: FICO is higher than guidelines. FICO is:  731 and the guideline  is:731. ; Summary: Coborrower has 9.40 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000223524

255_57_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is Missing, CDA Not Required, AVM not required, No Field Review in file Subject property is a 4 unit.  No CDA required.

(2021-05-27) CDA supplied by client supports value, condition cleared.

Summary: Borrower has resided in current property for 8.00 years. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 8.82 months reserves. ; Summary: Coborrower has 13.10 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000223943

255_2_18600

18600

Credit

Invalid AUS

The exception 'Invalid AUS' is cleared. From fields in template: How Was Loan Underwritten ---- AUS Assets ---- No CLTV ---- No DTI ---- No FICO ---- No Income ---- No Incorrect Figures ---- No Incorrect Loan Application ---- No LTV ---- No Occupancy ---- No Omission of Debt ---- No Other Debt ---- No Reserves ---- No Subject PITI ---- No Subject Property Address ---- (Blank) Wrong Loan Amount ---- No

(2021-07-09) Client provided documentation to resolve. Condition cleared.

Summary: Primary borrower has 7.90 years in field. ; Summary: UW guides maximum DTI of 32.57%, loan qualified with DTI of 30.54%. ; Summary: Refinance reduces total housing payment by  $-X,XXX.XX.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000223943

255_2_1120

1120

Credit

LTV exceeds guidelines

The exception 'LTV exceeds guidelines' is cleared. From fields in template: Calculated LTV ---- 71.92 Guideline LTV ---- 71.92

(2021-07-14) Client provided documentation to resolve. Condition cleared. (2021-07-09) Client provided documentation to resolve. Condition cleared.

Summary: Primary borrower has 7.90 years in field. ; Summary: UW guides maximum DTI of 32.57%, loan qualified with DTI of 30.54%. ; Summary: Refinance reduces total housing payment by  $-X,XXX.XX.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000224179

255_274_16923

16923

Credit

Hazard Insurance Shortfall

The hazard insurance policy in file reflected dwelling coverage of $XX,XXX.XX.  The loan amount is $XXX,XXX.XX which leaves a shortage of hazard insurance coverage for  $XXX,XXX.XX.

(2021-06-23) Lender provided a copy of the XXX Master Policy with sufficient dwelling/building coverage for subject property, with building replacement cost coverage and “walls-in”. Documentation submitted is deemed acceptable. Condition cleared.

Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: Borrower has resided in current property for 10.00 years. ; Summary: UW Guides require 6.01 months reserves, loan qualified with 8.80 months reserves. ; Summary: Primary borrower has 8.80 years in field. ; Summary: Refinance reduces rate from 5.25% to 3.13%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000226512

255_21_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  2 Fraud Report in file Borrower: No CoBorrower: No Borrower 3: ___ Borrower 4: ___ The file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search. Additional conditions may apply.

(2021-06-04) XXXXX XXXXX report provided

(2021-06-04) XXXXX XXXXX report provided by client - condition cleared

Summary: Coborrower has 12.80 years in field. ; Summary: UW Guides require 8.39 months reserves, loan qualified with 146.54 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000226512

255_21_10748

10748

Credit

OFAC Search

The OFAC search was not provided. Borrowers on loan: 2  OFAC search in file:  Borrower: No CoBorrower:No Borrower 3: ___ Borrower 4: ___ The OFAC search was not provided.

(2021-06-04) OFAC provided on XX report

(2021-06-04) OFAC cleared on XXXXXXXXXX report provided by client - condition cleared

Summary: Coborrower has 12.80 years in field. ; Summary: UW Guides require 8.39 months reserves, loan qualified with 146.54 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000229465

255_72_1175

1175

Credit

Credit score does not meet guidelines

Credit score of 0 is less than  734, the minimum credit score required per lender guidelines A credit report for the borrower was not provided.

(2021-05-27) Client provided missing credit report - condition cleared

Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 13.76 months reserves. ; Summary: Borrower has resided in current property for 10.00 years.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000229465

255_72_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with  FICO,. A credit report for the borrower was not provided.

(2021-05-27) AUS now valid - condition cleared

Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 13.76 months reserves. ; Summary: Borrower has resided in current property for 10.00 years.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000229465

255_72_959

959

Credit

Missing Credit Report - Borrower

A credit report for the borrower was not provided.

(2021-05-27) Client provided missing credit report - condition cleared

Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 13.76 months reserves. ; Summary: Borrower has resided in current property for 10.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000229496

255_31_8676

8676

Credit

Missing Evidence of XXX Dues for REO8

Missing Evidence of XXX Dues for REO8

(2021-06-01) Appraisal submitted for verification of XXX fee

(2021-06-01) Client provided appraisal for proof of XXX fee - condition cleared

Summary: Borrower has 50.33 years self employed. ; Summary: Borrower has resided in current property for 46.00 years. ; Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 128.19 months reserves, loan qualified with 277.18 months reserves. ; Summary: Primary borrower has 50.33 years in field. ; Summary: Refinance reduces rate from 4.63% to 3.38%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000229496

255_31_8677

8677

Credit

Missing Evidence of XXX Dues for REO9

Missing Evidence of XXX Dues for REO9

(2021-07-13) Client provided appraisal for proof of XXX fee - condition cleared

Summary: Borrower has 50.33 years self employed. ; Summary: Borrower has resided in current property for 46.00 years. ; Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 128.19 months reserves, loan qualified with 277.18 months reserves. ; Summary: Primary borrower has 50.33 years in field. ; Summary: Refinance reduces rate from 4.63% to 3.38%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000229496

255_31_8727

8727

Credit

Missing Evidence of Insurance for REO9

Missing Evidence of Insurance for property 9 on final application

(2021-06-01) Client provided CD for proof of HO Ins escrow and payment - condition cleared (2021-06-01) CD provided for proof of HO Ins escrow and payment

(2021-07-13) Client provided CD for proof of HO Ins escrow and payment - condition cleared

Summary: Borrower has 50.33 years self employed. ; Summary: Borrower has resided in current property for 46.00 years. ; Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 128.19 months reserves, loan qualified with 277.18 months reserves. ; Summary: Primary borrower has 50.33 years in field. ; Summary: Refinance reduces rate from 4.63% to 3.38%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000229496

255_31_5140

5140

Credit

Missing Evidence of Property Taxes for REO9

Evidence of property taxes for property 9  on the final application not provided.

(2021-06-01) Appraisal submitted for proof of taxes

(2021-06-01) Client provided appraisal for proof of taxes on REO - condition cleared

Summary: Borrower has 50.33 years self employed. ; Summary: Borrower has resided in current property for 46.00 years. ; Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 128.19 months reserves, loan qualified with 277.18 months reserves. ; Summary: Primary borrower has 50.33 years in field. ; Summary: Refinance reduces rate from 4.63% to 3.38%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000229496

255_31_15997

15997

Credit

Required Documentation is Missing

The loan file is missing a copy of the note for REO #9.

(2021-06-01) Note for REO provided

(2021-06-01) Client provided Note for REO property - condition cleared

Summary: Borrower has 50.33 years self employed. ; Summary: Borrower has resided in current property for 46.00 years. ; Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 128.19 months reserves, loan qualified with 277.18 months reserves. ; Summary: Primary borrower has 50.33 years in field. ; Summary: Refinance reduces rate from 4.63% to 3.38%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000229496

255_31_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS).

(2021-06-01) AUS Standards are now met and loan meets TQM standards. (2021-06-01) Client provided missing documents required to clear condition (2021-05-25) Condition will clear when client provides missing documents

Summary: Borrower has 50.33 years self employed. ; Summary: Borrower has resided in current property for 46.00 years. ; Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 128.19 months reserves, loan qualified with 277.18 months reserves. ; Summary: Primary borrower has 50.33 years in field. ; Summary: Refinance reduces rate from 4.63% to 3.38%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000230462

255_6_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is Missing, No CDA in File, No AVM in file, No Field Review in file

(2021-05-27) Client provided CDA that supports value. Finding cleared.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000234071

255_8_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  2 Fraud Report in file Borrower: No CoBorrower: No Borrower 3: ___ Borrower 4: ___

(2021-05-24) XXXXXXXXXX report supplied

(2021-05-24) XXXXXXXXXX report supplied by client - condition cleared

Summary: UW Guides require 6.00 months reserves, loan qualified with 80.80 months reserves. ; Summary: Primary borrower has 14.00 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000236056

255_189_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is above 2.5, No CDA in File, No AVM in file, No Field Review in file CU score is 3.1. Secondary Valuation required if CU score is 2.6 or above. No Secondary Valuation in loan file.

(2021-06-16) Client provided high value AVM - condition cleared

Summary: UW Guides require 6.95 months reserves, loan qualified with 24.75 months reserves. ; Summary: Primary borrower has 12.83 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000236774

255_217_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is Missing, No CDA in File, No AVM in file, Field Review not required

(2021-06-15) Lender provided an acceptable CDA.  Condition is cleared.

Summary: UW guides maximum DTI of 46.00%, loan qualified with DTI of 40.63%. ; Summary: UW Guides require 7.96 months reserves, loan qualified with 144.80 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000236774

255_217_-99944

-99944

Compliance

Late Fees Test

This loan failed the late fees test.The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.PLEASE NOTE: Certain states impose a late charge restriction that requires a comparison of the late fees charge, expressed either as a percentage or a dollar amount, or as both. In cases where the user provided data does not contain the required data point, ComplianceAnalyzer® will calculate the required data point from the late charge value entered by the user, and for such purpose will use the system's calculation of the scheduled monthly payment amount. Such data point calculations are an estimate based on the user provided data, and may not reflect the actual late charge threshold on an irregular payment, or if the maximum permitted late charge is based on the amount of the scheduled payment that is outstanding and not the entire scheduled payment. 5% > 2% maximum late fee allowed by the state of New York.

Confirmed occupancy of non-owner; Downgrade of exception as most conservative approach per guidance.

Summary: UW guides maximum DTI of 46.00%, loan qualified with DTI of 40.63%. ; Summary: UW Guides require 7.96 months reserves, loan qualified with 144.80 months reserves.

Active

2

2

B

B

B

B

B

B

B

B

B

B

Yes

0000238603

255_3_1555

1555

Credit

Assets are not sourced/seasoned

There is at least one account on the final application that has no source.  Liquid assets with no source/seasoning: X.XX Retirement assets with no source/seasoning: 0.00 Purchase Deposits with no source: 0.00 Details: ___

(2021-05-24) missing bank statements supplied

(2021-05-24) Client provided missing 2 months' bank statements - condition cleared

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000238603

255_3_1811

1811

Credit

Insufficient asset documentation in file - assets do not cover closing costs

Verified assets of $0.00 less cash to close $X,XXX.XX and less unverified earnest money $0.00 results in $-X,XXX.XX shortage of funds to close.

(2021-05-24) missing bank statements supplied

(2021-05-20) Client needs to provide evidence of sufficient borrower assets

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000238603

255_3_11547

11547

Credit

Insufficient Reserves

Verified assets of  $0.00 minus cash to close of  $X,XXX.XX minus the unverified earnest money deposit of $0.00 equates to -1.21 months of reserves, or $-X,XXX.XX, which is less than the required 8.32 months reserves, totaling $XX,XXX.XX.

(2021-05-24) missing bank statements supplied

(2021-05-24) Client provided missing 2 months' bank statements - condition cleared (2021-05-20) Client needs to provide evidence of sufficient borrower assets

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000238603

255_3_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with  Reserves,.  The loan file is missing asset documentation covering a 1-month period evidencing sufficient reserves of $XX,XXX.XX required by AUS.

(2021-05-24) missing bank statements supplied

(2021-05-24) Client provided missing 2 months' bank statements - condition cleared (2021-05-20) Condition will clear when client provides sufficient borrower asset information

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000238603

255_3_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS). Loan does not meet Temporary Qualified Mortgage (TQM) due to missing asset documentation covering a 1-month period evidencing sufficient assets for $X,XXX.XX in closing costs and $XX,XXX.XX required reserves.

(2021-05-24) AUS Standards are now met and loan meets TQM standards.   Client provided missing bank statements - condition cleared and AUS meets TQM standards (2021-05-20) Condition will clear when client provides sufficient borrower asset information

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000238638

255_71_15997

15997

Credit

Required Documentation is Missing

The loan file is missing a copy of the note for REO # 3.

(2021-06-02) Note for REO3 provided

(2021-06-02) Client provided Note for REO3 - condition cleared

Summary: Borrower has resided in current property for 15.00 years. ; Summary: UW Guides require 9.48 months reserves, loan qualified with 82.78 months reserves. ; Summary: Primary borrower has 31.80 years in field. ; Summary: Refinance reduces rate from 4.73% to 3.38%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000238638

255_71_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS). The exception status is currently Active. Evidence to support omission of two mortgage payments as required per DU is missing. Condition will clear when client provides missing document Client provided documentation to resolve. Condition cleared.

(2021-07-12) AUS Standards are now met and loan meets TQM standards. (2021-07-12) Client provided documentation to resolve. Condition cleared. (2021-07-09) Client provided documentation to resolve. Condition cleared. (2021-05-26) Condition will clear when client provides missing document

Summary: Borrower has resided in current property for 15.00 years. ; Summary: UW Guides require 9.48 months reserves, loan qualified with 82.78 months reserves. ; Summary: Primary borrower has 31.80 years in field. ; Summary: Refinance reduces rate from 4.73% to 3.38%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000239936

255_277_11312

11312

Credit

DTI Exceeds Guidelines

Guidelines reflect a DTI of 32.18%. Due to a miscalculation of debts to income, the actual DTI is 44.16%. Income  used includes total borrower income $X,XXX.XX plus subject property positive rental income $X,XXX.XX plus other REO positive rental income $X,XXX.XX. Total debt amount used is $X,XXX.XX. The lender failed to accurately calculate the Borrowers’ rental income.  A monthly net rental income of $X,XXX.XX was used by the lender to determine the DTI.  The lender incorrectly used 100% of the gross rents from the schedule E to calculate the DTI. The actual net rental income, based on the schedule E, is $X,XXX.XX. The AUS reflects a maximum allowable DTI of 35.18%.  Due to the improper calculation of rental income, the actual DTI is 44.16%.

(2021-07-06) Lender provided rental income worksheets for all REO's.  Audit recalculations determine a DTI within tolerance.  Condition is cleared. (2021-06-28) Lender provided final CDs for properties XXXX-XXXX XXXXXXX XX and XXXX-XXXX X XXXXXX XX again.  The CD's show the P&I payments without escrows and show no additional debt payoffs to reduce the DTI. The AUS reflects a maximum allowable DTI of 35.18%.  Due to the improper calculation of income  the actual DTI is 43.35%.  Lender has the total income reflected as $XX,XXX.XX, of which $X,XXX.XX is rental income when based on the documentation in the loan file, actual rental income is $X,XXX.XX. Condition remains active. (2021-06-23) Lender provided final CDs for properties XXXX-XXXX XXXXXXX XX and XXXX-XXXX X XXXXXX XX. The AUS reflects a maximum allowable DTI of 35.18%.  Due to the improper calculation of income  the actual DTI is 43.35%.  Lender has the total income reflect as $XX,XXX.XX, which $X,XXX.XX is rental income when based on the documentation in the loan file, actual rental income is $X,XXX.XX, condition remains.

Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 52.81 months reserves, loan qualified with 144.97 months reserves. ; Summary: Refinance reduces rate from 5.25% to 3.38%. ; Summary: Coborrower has 37.75 years in field.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000239936

255_277_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI, Income,.

(2021-07-06) Lender provided rental income worksheets for all REO's.  Audit recalculations determine a DTI within tolerance.  Condition is cleared. (2021-06-23) Lender provided final CDs for properties XXXX-XXXX XXXXXXX XX and XXXX-XXXX X XXXXXX XX, The AUS reflects a maximum allowable DTI of 35.18%.  Due to the improper calculation of income  the actual DTI is 43.35%.  Lender has the total income reflect as $XX,XXX.XX, which $X,XXX.XX is rental income when based on the documentation in the loan file, actual rental income is $X,XXX.XX, condition remains.

Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 52.81 months reserves, loan qualified with 144.97 months reserves. ; Summary: Refinance reduces rate from 5.25% to 3.38%. ; Summary: Coborrower has 37.75 years in field.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000240302

255_88_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is Missing, No CDA in File, No AVM in file, No Field Review in file No CU score due to multi-unit property. Secordary Valuation is required and missing from the loan file.

(2021-05-27) CDA provided by client supports value, condition cleared.

Summary: UW Guides require 11.28 months reserves, loan qualified with 251.96 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000240334

255_266_13095

13095

Credit

Missing Payoff Statement for prior loan

Missing payoff statement for prior loan.

(2021-06-21) Lender provided the missing payoff statement.  Condition is cleared.

Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 13.13 months reserves. ; Summary: Primary borrower has 5.00 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000240334

255_266_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score not used for secondary valuation, CDA Not Required, AVM not required, Field Review not required

(2021-06-23) Recieved the CDA for 2nd value, condition cleared.

Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 13.13 months reserves. ; Summary: Primary borrower has 5.00 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000240695

255_271_1137

1137

Credit

Missing 4506-T

Missing 4506T for borrower(s) on loan.  Total number Borrowers is  1  Borrower: No CoBorrower: ___ Borrower 3: ___ Borrower 4: ___

(2021-06-21) Lender provided an executed 4506-C.  Condition is cleared.

Summary: UW Guides require 6.00 months reserves, loan qualified with 30.49 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000240695

255_271_17453

17453

Compliance

Temporary Qualified Mortgage Points & Fees Failure

This loan's points and fees exceed the qualified mortgage points and fees threshold. A qualified mortgage is a covered transaction that limits the points and fees charged at consummation to a specific percentage or flat dollar amounts dependent upon the mortgage's total loan amount.

(2021-07-06) Lender provided Loan Detail Report.  Condition is cleared. (2021-06-22) $X,XXX.XX > $X,XXX.XX, the maximum points and fees allowed under QM, by $X,XXX.XX. When discount points are involved, the lender can try to prove they are bona fide. To verify bona fide discount points, we will need the rate sheet, PAR, or some form of proof that verifies the amount the borrower paid in points directly led to a discount in rate.

Summary: UW Guides require 6.00 months reserves, loan qualified with 30.49 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000241550

255_253_1101

1101

Credit

Condo Questionnaire has not been entered

The Condo Questionnaire is missing from the loan file.  Additional conditions may apply.

(2021-06-08) Rescind.

Summary: UW Guides require 5.80 months reserves, loan qualified with 18.57 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000242854

255_263_11312

11312

Credit

DTI Exceeds Guidelines

The exception 'DTI Exceeds Guidelines' is cleared. From fields in template: Loan Type ---- XXXXXXXXXXXX Debt Ratio ---- 41.14 Guideline DTI with Tolerance ---- 41.141

(2021-07-13) DTI meets guidelines - condition cleared (2021-07-13) DTI meets guidelines - condition cleared (2021-07-09) DTI meets guidelines - condition cleared

Summary: UW Guides require 6.00 months reserves, loan qualified with 8.31 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000242854

255_263_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with  Occupancy,.

(2021-07-13) Condition Cleared (2021-07-09) AUS is valid - condition cleared

Summary: UW Guides require 6.00 months reserves, loan qualified with 8.31 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000242854

255_263_15997

15997

Credit

Required Documentation is Missing

The loan file is missing the Mortgage statement for the primary residence. The loan file is missing the Mortgage statement for the primary residence.

(2021-06-18) Condition cleared (2021-06-10) The loan file is missing the Mortgage statement for the primary residence.

Summary: UW Guides require 6.00 months reserves, loan qualified with 8.31 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000242854

255_263_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS).

(2021-07-12) AUS Standards are now met and loan meets TQM standards. (2021-07-09) condition cleared

Summary: UW Guides require 6.00 months reserves, loan qualified with 8.31 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000243591

255_291_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  1 Fraud Report in file Borrower: No CoBorrower: ___ Borrower 3: ___ Borrower 4: ___

(2021-06-21) Lender provided an acceptable fraud report.  Condition is cleared.

Summary: Borrower has resided in current property for 12.05 years. ; Summary: Refinance reduces total housing payment by  $-X,XXX.XX. ; Summary: Primary borrower has 5.90 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000243591

255_291_10748

10748

Credit

OFAC Search

The OFAC search was not provided. Borrowers on loan: 1  OFAC search in file:  Borrower: No CoBorrower:___ Borrower 3: ___ Borrower 4: ___

(2021-06-21) Lender provided an acceptable OFAC search.  Condition is cleared.

Summary: Borrower has resided in current property for 12.05 years. ; Summary: Refinance reduces total housing payment by  $-X,XXX.XX. ; Summary: Primary borrower has 5.90 years in field.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000243771

255_20_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  2 Fraud Report in file Borrower: No CoBorrower: No Borrower 3: ___ Borrower 4: ___

(2021-06-04) Client provided XXXXX XXXXX report - condition cleared

Summary: UW Guides require 6.00 months reserves, loan qualified with 23.93 months reserves. ; Summary: UW guides maximum DTI of 30.02%, loan qualified with DTI of 25.77%. ; Summary: Refinance reduces rate from 4.00% to 3.25%. ; Summary: Refinance reduces total housing payment by  $-XXX.XX.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000243771

255_20_-96366

-96366

Compliance

Charges That Cannot Increase Test

This loan passed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that do not exceed the good faith determination according to §1026.19(e)(3)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).

(2021-06-08) Credit Report invoice dated XX/XX/XXXX provided

(2021-06-08) Client provided credit report invoice dated XX/XX/XXXX- condition cleared

Summary: UW Guides require 6.00 months reserves, loan qualified with 23.93 months reserves. ; Summary: UW guides maximum DTI of 30.02%, loan qualified with DTI of 25.77%. ; Summary: Refinance reduces rate from 4.00% to 3.25%. ; Summary: Refinance reduces total housing payment by  $-XXX.XX.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000244742

255_4_1126

1126

Credit

CLTV exceeds guidelines

Lender guidelines requires a maximum CLTV of 66.00%.  However, the current CLTV of the subject is 75.00%. The appraisal or sales price value used was $XXX,XXX.XX having a loan purpose of  Refinance-CashOut. The CLTV of 66% is based on loan amount of $XXX,XXX.XX reflected on the AUS (DU) and appraised value of $XXX,XXX.XX.  Actual loan amount is $XXX,XXX.XX.  AUS to be re-run reflecting correct loan amount of $XXX,XXX.XX and CLTV of 75%.

(2021-06-02) Updated AUS provided with correct LTV/CLTV

(2021-06-02) Client provided updated AUS with correct LTV/CLTV - condition cleared

Summary: UW Guides require 27.20 months reserves, loan qualified with 228.53 months reserves. ; Summary: Primary borrower has 40.20 years in field. ; Summary: UW guides maximum DTI of 28.83%, loan qualified with DTI of 24.31%. ; Summary: Refinance reduces total housing payment by  $-X,XXX.XX.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000244742

255_4_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with  LTV, CLTV,. Tje AUS (DU) in file reflect loan amount of $XXX,XXX.XX and LTV/CLTV of 66%.  Loan closed with a loan amount of $XXX,XXX.XX.  Therefore, AUS (DU) needs to be re-submitted reflecting loan amount of $XXX,XXX.XX and LTV/CLTV of 75%.

(2021-06-02) Client provided updated AUS with correct LTV/CLTV - condition cleared

Summary: UW Guides require 27.20 months reserves, loan qualified with 228.53 months reserves. ; Summary: Primary borrower has 40.20 years in field. ; Summary: UW guides maximum DTI of 28.83%, loan qualified with DTI of 24.31%. ; Summary: Refinance reduces total housing payment by  $-X,XXX.XX.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000244742

255_4_1120

1120

Credit

LTV exceeds guidelines

Lender guidelines requires a maximum LTV of 66.00%.  However, the current LTV of the subject is 75.00%. The appraisal or sales price value used was $XXX,XXX.XX  having a loan purpose of  Refinance-CashOut. The LTV of 66% is based on loan amount of $XXX,XXX.XX reflected on the AUS (DU) and appraised value of $XXX,XXX.XX.  Actual loan amount is $XXX,XXX.XX.  AUS to be re-run reflecting correct loan amount of $XXX,XXX.XX and LTV of 75%.

(2021-06-02) Updated AUS provided with correct LTV/CLTV

(2021-06-02) Client provided updated AUS with correct LTV/CLTV - condition cleared

Summary: UW Guides require 27.20 months reserves, loan qualified with 228.53 months reserves. ; Summary: Primary borrower has 40.20 years in field. ; Summary: UW guides maximum DTI of 28.83%, loan qualified with DTI of 24.31%. ; Summary: Refinance reduces total housing payment by  $-X,XXX.XX.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000247315

255_35_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS). Missing evidence HELOC on credit report has been closed.  DU requires all open/active mortgages to be entered on the loan application and resubmitted.

(2021-05-27) AUS Standards are now met and loan meets TQM standards.  Condition cleared

Summary: Primary borrower has 9.30 years in field. ; Summary: Borrower has 9.40 years self employed. ; Summary: UW Guides require 6.52 months reserves, loan qualified with 103.68 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000248446

255_194_1175

1175

Credit

Credit score does not meet guidelines

(2021-07-09) Client provided documentation to resolve. Condition cleared.

Summary:

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000248446

255_194_11547

11547

Credit

Insufficient Reserves

Verified assets of  $0.00 minus cash to close of  $0.00 minus the unverified earnest money deposit of $0.00 equates to 0.00 months of reserves, or $0.00, which is less than the required 14.87 months reserves, totaling $XX,XXX.XX.

(2021-07-09) Client provided documentation to resolve. Condition cleared.

Summary:

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000248446

255_194_18600

18600

Credit

Invalid AUS

Condition is Cleared.

Summary:

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000248446

255_194_1100

1100

Credit

Loan amount less than guideline minimum

The exception 'Loan amount less than guideline minimum' is cleared. From fields in template: Original Loan Amount ---- $XXX,XXX Guideline Min Loan Amount ---- $658,000

(2021-07-09) Client provided documentation to resolve. Condition cleared.

Summary:

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000248446

255_194_1137

1137

Credit

Missing 4506-T

Missing 4506T for borrower(s) on loan.  Total number Borrowers is  2  Borrower: Yes CoBorrower: ___ Borrower 3: ___ Borrower 4: ___

(2021-07-09) Client provided documentation to resolve. Condition cleared.

Summary:

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000248446

255_194_1541

1541

Credit

Missing asset documentation - liquid assets

Lender's guidelines require 1  months' bank statements,  investor portfolio statements,  401K or other retirement account statements.  There are insufficient asset statements for the following accounts: From forms in template: Form : Liquid Assets [Row 1]

(2021-07-09) Client provided documentation to resolve. Condition cleared.

Summary:

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000248446

255_194_18529

18529

Credit

Missing Executed Business Returns for S Corporation 1 (Borrower 1)

Borrower 1 is self-employed and is missing the executed business returns for the S Corporation listed in position 1 on the application. The business returns in file is Yes, the number of years returns are ___, and the override condition exists and met for less than 2 years returns is ___.

(2021-07-09) Client provided documentation to resolve. Condition cleared.

Summary:

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000248446

255_194_17047

17047

Credit

Missing Property Tax Assessor Number

Missing Property Tax Assessor Number

(2021-07-09) Client provided documentation to resolve. Condition cleared.

Summary:

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000248446

255_194_16463

16463

Credit

Missing Secondary Valuation

(2021-07-09) Client provided documentation to resolve. Condition cleared.

Summary:

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000248446

255_194_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  2 Fraud Report in file Borrower: Yes CoBorrower: No Borrower 3: ___ Borrower 4: ___

(2021-07-09) Client provided documentation to resolve. Condition cleared.

Summary:

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000248446

255_194_18590

18590

Credit

Residual Income does not meet guideline minimum

The exception 'Residual Income does not meet guideline minimum' is cleared. From fields in template: Disposable Income ---- -$X,XXX.XX Min Residual Income ---- (Blank)

Condition is Cleared.

Summary:

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000248446

255_194_17470

17470

Compliance

ECOA: Delivery of Appraisal/Valuation to Applicant Not Timely

ECOA: Delivery of Appraisal/Valuation to Applicant Not Timely

(2021-07-09) Client provided documentation to resolve. Condition cleared.

Summary:

Cleared

2

1

B

A

B

A

B

A

B

A

B

A

Yes

0000248446

255_194_16939

16939

Compliance

E-Consent documentation on TRID loan is missing for borrower(s)

E-Consent documentation on TRID loan is missing for borrower(s)

(2021-07-09) Received required E-Consent documentation for borrower(s) (2021-07-09) Client provided documentation to resolve. Condition cleared.

Summary:

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000248446

255_194_11895

11895

Compliance

Missing Initial Broker Application Date - unable to complete Compliance review

(2021-07-09) Client provided documentation to resolve. Condition cleared.

Summary:

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000248446

255_194_11907

11907

Compliance

Missing Initial Lender of Record Application Date - unable to complete Compliance review

The exception 'Missing Initial Lender of Record Application Date - unable to complete Compliance review' is cleared.

(2021-07-09) Client provided documentation to resolve. Condition cleared.

Summary:

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000248446

255_194_2968

2968

Compliance

TILA: Funding/disbursement date missing - unable to validate Rescission period satisfied

TILA: Funding/disbursement date missing - unable to validate Rescission period satisfied for Rescindable New Lender transaction.

(2021-07-09) Funding Date has been entered (2021-07-09) Client provided documentation to resolve. Condition cleared.

Summary:

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000248446

255_194_-96378

-96378

Compliance

TRID Post-Consummation Reason for Redisclosure Validation Test

This loan failed the TRID post-consummation reason for redisclosure validation test.This loan contains a post-consummation revised closing disclosure delivery date but does not provide the reason for the redisclosure after consummation. The reason is required in order to audit post-consummation redisclosure timing tests.

(2021-07-13) Condition Rescinded.

Summary:

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000248752

255_254_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is Missing, No CDA in File, No AVM in file, Field Review not required

(2021-06-24) AVM is acceptable.  Condition is cleared.

Summary: UW guides maximum DTI of 38.00%, loan qualified with DTI of 34.77%. ; Summary: UW Guides require 8.55 months reserves, loan qualified with 10.85 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000249510

255_39_18213

18213

Credit

Missing Evidence of Self Employment - Borrower 1 Partnership

Borrower 1 is self-employed and is missing verification of self-employment dated within 120 prior to the Note date on the partnership listed in position 2 on the application.  Documentation Requirements: Allow CPA Letter or Business License or other valid verification.  Status of possible documentation for verification of self-employment:  CPA letter is Not in File, Business license is Not in File, Other verification is Not in File.  The note date is XX/X/XXXX.   There is no evidence indicating the loan had been delivered to the XXX. ___

(2021-05-24) partnership business license supplied

(2021-05-24) Client provided partnership business license - condition cleared

Summary: Primary borrower has 9.00 years in field. ; Summary: Borrower has 9.00 years self employed. ; Summary: UW guides maximum DTI of 44.00%, loan qualified with DTI of 38.90%. ; Summary: UW Guides require 16.89 months reserves, loan qualified with 97.34 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000249510

255_39_18249

18249

Credit

Missing Evidence of Self Employment - Borrower 1 S Corporation

Borrower 1 is self-employed and is missing verification of self-employment dated within 120 prior to the Note date on the S corporation listed in position 1 on the application.  Documentation Requirements: Allow CPA Letter or Business License or other valid verification.  Status of possible documentation for verification of self-employment:  CPA letter is Not in File, Business license is Not in File, Other verification is Not in File.  The note date is XX/X/XXXX.   There is no evidence indicating the loan had been delivered to the XXX. ___

(2021-05-24) S Corporation license supplied

(2021-05-24) Client provided S Corp license - condition cleared

Summary: Primary borrower has 9.00 years in field. ; Summary: Borrower has 9.00 years self employed. ; Summary: UW guides maximum DTI of 44.00%, loan qualified with DTI of 38.90%. ; Summary: UW Guides require 16.89 months reserves, loan qualified with 97.34 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000249510

255_39_18519

18519

Credit

Missing Executed Business Returns for Partnership 1 (Borrower 1)

Borrower 1 is self-employed and is missing the executed business returns for the partnership listed in position 2 on the application. The business returns in file is Yes, the number of years returns are 1, and the override condition exists and met for less than 2 years returns is No.

(2021-05-24) 1 yr partnership returns only required per LP - business in existence for > 5 yrs

Summary: Primary borrower has 9.00 years in field. ; Summary: Borrower has 9.00 years self employed. ; Summary: UW guides maximum DTI of 44.00%, loan qualified with DTI of 38.90%. ; Summary: UW Guides require 16.89 months reserves, loan qualified with 97.34 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000249510

255_39_15997

15997

Credit

Required Documentation is Missing

The loan file is missing Y-T-D and XXXX Profit and Loss statement Borrower's partnership business identified as business #2 on loan application.

(2021-05-24) S Corp and partnership business licenses provided

(2021-05-24) Client providedS Corp and partnership business licenses - condition cleared

Summary: Primary borrower has 9.00 years in field. ; Summary: Borrower has 9.00 years self employed. ; Summary: UW guides maximum DTI of 44.00%, loan qualified with DTI of 38.90%. ; Summary: UW Guides require 16.89 months reserves, loan qualified with 97.34 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000249783

255_82_1472

1472

Credit

Borrower's financed properties exceed guideline maximum

A borrower is not eligible for financing if they currently have 1 financed properties.  Per the schedule of real estate owned, the borrower(s) currently (has/have) 2 financed properties, which makes them ineligible for financing.

(2021-05-27) Cleared.

Summary: UW Guides require 6.00 months reserves, loan qualified with 11.08 months reserves. ; Summary: Primary borrower has 11.00 years in field. ; Summary: Borrower has resided in current property for 5.00 years. ; Summary: Refinance reduces rate from 5.00% to 3.25%.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000249783

255_82_11312

11312

Credit

DTI Exceeds Guidelines

Guidelines reflect a DTI of 40.24%. Due to a miscalculation of debts to income, the actual DTI is 74.96%. Income  used includes total borrower income $X,XXX.XX plus subject property positive rental income $0.00 plus other REO positive rental income $0.00. Total debt amount used is $X,XXX.XX.

(2021-06-02) Primary residence Note, tax & Ins information provided

(2021-06-02) Client provided proof primary residence Note not paid by borrower, along with tax & Insurance information - condition cleared

Summary: UW Guides require 6.00 months reserves, loan qualified with 11.08 months reserves. ; Summary: Primary borrower has 11.00 years in field. ; Summary: Borrower has resided in current property for 5.00 years. ; Summary: Refinance reduces rate from 5.00% to 3.25%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000249783

255_82_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI,.

(2021-06-02) AUS now valid

Summary: UW Guides require 6.00 months reserves, loan qualified with 11.08 months reserves. ; Summary: Primary borrower has 11.00 years in field. ; Summary: Borrower has resided in current property for 5.00 years. ; Summary: Refinance reduces rate from 5.00% to 3.25%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000249783

255_82_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  1 Fraud Report in file Borrower: No CoBorrower: ___ Borrower 3: ___ Borrower 4: ___

(2021-06-02) XXXXXXXXXX report provided

(2021-06-02) Client provided XXXXXXXXXX report - condition cleared

Summary: UW Guides require 6.00 months reserves, loan qualified with 11.08 months reserves. ; Summary: Primary borrower has 11.00 years in field. ; Summary: Borrower has resided in current property for 5.00 years. ; Summary: Refinance reduces rate from 5.00% to 3.25%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000249783

255_82_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS).

(2021-06-02) AUS Standards are now met and loan meets TQM standards. (2021-05-26) Condition will clear when client provides missing documents

Summary: UW Guides require 6.00 months reserves, loan qualified with 11.08 months reserves. ; Summary: Primary borrower has 11.00 years in field. ; Summary: Borrower has resided in current property for 5.00 years. ; Summary: Refinance reduces rate from 5.00% to 3.25%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000249853

255_167_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is above 2.5, No CDA in File, No AVM in file, Field Review not required

(2021-06-16) Client provided high value AVM - condition cleared

Summary: UW Guides require 6.00 months reserves, loan qualified with 46.63 months reserves. ; Summary: Primary borrower has 43.83 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000249863

255_280_17008

17008

Credit

Property Tax Assessor Number is incorrect

APN number on Appraisal, Title and Mortgage do not match.

(2021-06-10) Rescind.

Summary: Borrower has resided in current property for 3.00 years. ; Summary: UW Guides require 8.09 months reserves, loan qualified with 13.80 months reserves. ; Summary: Primary borrower has 12.67 years in field. ; Summary: Refinance reduces rate from 4.00% to 3.25%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000249863

255_280_-96383

-96383

Compliance

TRID Initial Closing Disclosure Date and Funding Date Validation Test

This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. The disbursement date on the final Closing Disclosure is dated one (1) day prior to the consummation date/notary date. The disbursement date on the final Closing Disclosure is dated one (1) day prior to the consummation date/notary date.

(2021-07-13) Condition Rescinded

Summary: Borrower has resided in current property for 3.00 years. ; Summary: UW Guides require 8.09 months reserves, loan qualified with 13.80 months reserves. ; Summary: Primary borrower has 12.67 years in field. ; Summary: Refinance reduces rate from 4.00% to 3.25%.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000250303

255_275_10285

10285

Credit

Incomplete AUS Results

AUS Results are incomplete. The AUS (LP) in file is incmplete due to missing the following information:  Credit Report Details, Message Summary, and  Assets and Reserves Messages.  Additional conditions may apply.

(2021-06-23) Review AUS/LP in the loan file, all of the important information has been recieved and present, condition cleared.

Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 114.63 months reserves. ; Summary: Refinance reduces rate from 4.25% to 3.38%. ; Summary: Borrower has resided in current property for 5.00 years.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000250303

255_275_15997

15997

Credit

Required Documentation is Missing

The loan file is missing evidence of debts being paid off per AUS (LP) Code FCL0257.  Debts with balances of $X,XXX, $XX,XXX and $XXX,XXX.  Additional conditions may apply. The loan file is missing evidence of debts being paid off per AUS (LP) Code FCL0257.  Debts with balances of $X,XXX, $XX,XXX and $XXX,XXX.  Additional conditions may apply.

(2021-06-23) Lender provided final CD for primary residence showing $XX,XXX and $XXX,XXX being paid off, and Credit report to show Auto loan with balance of $X,XXX since it has only 6 payments left, deemed acceptable to removed from DTI, condition cleared.

Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 114.63 months reserves. ; Summary: Refinance reduces rate from 4.25% to 3.38%. ; Summary: Borrower has resided in current property for 5.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000250404

255_292_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with  Omission of Debt,. The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects requirement to support the omission of debt for vacant land. Evidence to support the ommission is missing from the loan file

(2021-07-06) Condition cleared

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000250404

255_292_1454

1454

Credit

Missing Evidence of Insurance for Primary Residence

Missing Evidence of Insurance for Primary Residence

(2021-07-06) Lender provided evidence of HOI expenses on primary residence at XXXXX XXXXXXX XX.  Condition cleared. (2021-07-06) Client provided HO Ins for primary res - condition cleared (2021-06-28) Lender provided evidence of HOI for XXXX XXXXXX XXXX property.   However, file is missing evidence of HOI expenses on primary residence at XXXXX XXXXXXX XX.  Condition remains. (2021-06-22) client provided proof primary residence owned free & clear; exception is for missing proof of homeowner insurance on XXXXX XXXXXX XXXXXX primary residence - condition is still open

Cleared

2

1

B

A

B

A

B

A

B

A

B

A

Yes

0000250404

255_292_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is above 2.5, No CDA in File, No AVM in file, Field Review not required

(2021-06-15) Lender provided an acceptable CDA.  Condition is cleared.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000250404

255_292_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS). Loan does not meet criteria for Temporary Qualified Mortgage due to the loan file is missing evidence of payoff for vacant land.

(2021-07-06) AUS Standards are now met and loan meets TQM standards. (2021-07-06) Lender provided HOI for Primary Residence.  AUS Standards are now met and loan meets TQM standards.. Condiution Cleared. (2021-07-06) AUS Standards are now met and loan meets TQM standards. (2021-06-22) Condition will clear with proof of insurance on primary residence

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000250448

255_401_1452

1452

Credit

Missing Evidence of Property Taxes for Second Home

Missing Evidence of Property Taxes for Second Home

(2021-06-30) Lender provided a mortgage loan statement which includes escrows for taxes.  Condition is cleared.

Summary: Borrower has resided in current property for 4.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000250448

255_401_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  1 Fraud Report in file Borrower: No CoBorrower: ___ Borrower 3: ___ Borrower 4: ___

(2021-06-30) Lender provided the missing third party fraud tool.  Condition is cleared.

Summary: Borrower has resided in current property for 4.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000250690

255_198_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  1 Fraud Report in file Borrower: No CoBorrower: ___ Borrower 3: ___ Borrower 4: ___

(2021-06-07) Fraud Report provided

(2021-06-07) Client provided XXXXX XXXXX report - condition cleared

Summary: Borrower has 7.50 years self employed. ; Summary: Primary borrower has 7.50 years in field. ; Summary: UW Guides require 11.35 months reserves, loan qualified with 313.59 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000250779

255_81_1451

1451

Credit

Missing Evidence of Property Taxes for Primary Residence

Missing Evidence of Property Taxes for Primary Residence Missing Evidence of Property Taxes for Primary Residence.  ADditional conditions may apply.

(2021-06-01) CD provided for refinance of primary residence - evidence of taxes

(2021-06-01) Client provided CD from refinance of primary residence; proof of taxes - condition cleared

Summary: UW Guides require 6.05 months reserves, loan qualified with 39.93 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000250779

255_81_15997

15997

Credit

Required Documentation is Missing

The loan file is missing mortgage statement for primary residence reflecting PITI.  If statement does not reflect escrows for taxes and insurance, provide a copy of the property tax bill. Additional conditions may apply.

(2021-06-01) CD provided from refinance of primary residence showing proof of taxes

(2021-06-01) Client provided CD from refinance of primary residence showing proof of taxes - condition cleared

Summary: UW Guides require 6.05 months reserves, loan qualified with 39.93 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000250837

255_33_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is above 2.5, No CDA in File, No AVM in file, Field Review not required

(2021-05-27) CDA supplied by client supported value, condition cleared.

Summary: Refinance reduces rate from 3.63% to 3.38%. ; Summary: UW Guides require 9.10 months reserves, loan qualified with 23.60 months reserves. ; Summary: Primary borrower has 5.00 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000251447

255_363_11312

11312

Credit

DTI Exceeds Guidelines

Guidelines reflect a DTI of 8.00%. Due to a miscalculation of debts to income, the actual DTI is 30.53%. Income  used includes total borrower income $X,XXX.XX plus subject property positive rental income $XXX.XX plus other REO positive rental income $0.00. Total debt amount used is $X,XXX.XX.

(2021-06-25) Lender provided an acceptable AUS.  Condition is cleared.

Summary: UW Guides require 9.01 months reserves, loan qualified with 42.61 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000251447

255_363_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI,.

(2021-06-25) Lender provided an acceptable AUS.  Condition is cleared.

Summary: UW Guides require 9.01 months reserves, loan qualified with 42.61 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000251612

255_287_18758

18758

Credit

Employment History has gaps in employment - Borrower

Per applicable guidelines, a creditor must verify the consumer’s employment for the most recent two full years, and the consumer must explain any gaps in employment that span one or more months and Indicate if he/she was in school or the military for the recent two full years, providing evidence supporting this claim, such as college transcripts, or discharge papers.  Borrower has gaps in employment history with no letter of explanation in file.

(2021-06-22) Lender provided an explanation letter for the gap in employment.  Condition is cleared.

Summary: Borrower has resided in current property for 5.00 years. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 13.11 months reserves. ; Summary: Refinance reduces rate from 4.00% to 3.38%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000251612

255_287_16059

16059

Compliance

Initial Closing Disclosure timing requirement not met

Based on the date of the initial CD, the borrower was not in receipt of the initial CD 3 business days prior to consummation.

(2021-06-28) Invalid finding. Finding rescinded.

Summary: Borrower has resided in current property for 5.00 years. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 13.11 months reserves. ; Summary: Refinance reduces rate from 4.00% to 3.38%.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000251612

255_287_16061

16061

Compliance

Initial Closing Disclosure timing requirement not met - missing consummation date

This loan failed the initial CD delivery date test due to one of the following findings: The initial CD delivery date is provided and the initial CD disclosure method of delivery is marked as either: "USPS First Class Mail" or "Electronic Delivery" or blank, and the initial CD delivery date is less than six business days before the consummation date, or the closing/settlement date if no consummation date is provided, of the transaction; or "In Person" and the initial CD delivery date is less than three business days before the consummation date, or the closing/settlement date if no consummation date is provided, of the transaction; or the initial CD receipt date is provided and the initial CD receipt date is less than three business days before consummation date, or closing/settlement date if no consummation date is provided, of the transaction.

(2021-06-28) Invalid finding. Finding rescinded.

Summary: Borrower has resided in current property for 5.00 years. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 13.11 months reserves. ; Summary: Refinance reduces rate from 4.00% to 3.38%.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000251612

255_287_-99944

-99944

Compliance

Late Fees Test

This loan failed the late fees test.The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.PLEASE NOTE: Certain states impose a late charge restriction that requires a comparison of the late fees charge, expressed either as a percentage or a dollar amount, or as both. In cases where the user provided data does not contain the required data point, ComplianceAnalyzer® will calculate the required data point from the late charge value entered by the user, and for such purpose will use the system's calculation of the scheduled monthly payment amount. Such data point calculations are an estimate based on the user provided data, and may not reflect the actual late charge threshold on an irregular payment, or if the maximum permitted late charge is based on the amount of the scheduled payment that is outstanding and not the entire scheduled payment.

(2021-07-13) Condition Cleared (2021-06-22) The maximum percent for the State of New York late fee is 2% per N.Y. Real Prop. Law § 254-b(1) & (2); N.Y.  Comp. Codes R. & Regs. tit. 3, §§ 80.8(i)134 & 419.10(d).  Condition Remains.

Summary: Borrower has resided in current property for 5.00 years. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 13.11 months reserves. ; Summary: Refinance reduces rate from 4.00% to 3.38%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000251612

255_287_-96383

-96383

Compliance

TRID Initial Closing Disclosure Date and Funding Date Validation Test

This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields.

(2021-06-28) Invalid finding. Finding rescinded.

Summary: Borrower has resided in current property for 5.00 years. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 13.11 months reserves. ; Summary: Refinance reduces rate from 4.00% to 3.38%.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000251856

255_303_11312

11312

Credit

DTI Exceeds Guidelines

The exception 'DTI Exceeds Guidelines' is cleared. From fields in template: Loan Type ---- Conventional Debt Ratio ---- 42.77 Guideline DTI with Tolerance ---- 45

(2021-07-06) Lender provided further documentation.  Audit recalculation results in a DTI within tolerance.  Condition is cleared. (2021-07-02) Lender provided the missing AUS.  However, the AUS reflects a maximum allowable DTI of 39.262%.  The DTI at origination, as per the Transmittal Summary, and the audit DTI are both 42.77%. (2021-06-24) Lender provided the missing AUS.  However, the AUS reflects a maximum allowable DTI of 39.262%.  The DTI at origination, as per the Transmittal Summary, and the audit DTI are both 42.77%.

Summary: Borrower has resided in current property for 30.00 years. ; Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 13.07 months reserves, loan qualified with 20.83 months reserves. ; Summary: Refinance reduces rate from 4.75% to 3.25%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000251856

255_303_18600

18600

Credit

Invalid AUS

The exception 'Invalid AUS' is cleared. From fields in template: How Was Loan Underwritten ---- AUS Assets ---- No CLTV ---- No DTI ---- No FICO ---- No Income ---- No Incorrect Figures ---- No Incorrect Loan Application ---- No LTV ---- No Occupancy ---- No Omission of Debt ---- No Other Debt ---- No Reserves ---- No Subject PITI ---- No Subject Property Address ---- No Wrong Loan Amount ---- No

(2021-07-06) Lender provided further documentation.  Audit recalculation results in a DTI within tolerance.  Condition is cleared. (2021-07-02) Lender provided the missing AUS.  However, the AUS reflects a maximum allowable DTI of 39.262%.  The DTI at origination, as per the Transmittal Summary, and the audit DTI are both 42.77%. (2021-06-24) Lender provided the missing AUS.  However, the AUS reflects a maximum allowable DTI of 39.262%.  The DTI at origination, as per the Transmittal Summary, and the audit DTI are both 42.77%.

Summary: Borrower has resided in current property for 30.00 years. ; Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 13.07 months reserves, loan qualified with 20.83 months reserves. ; Summary: Refinance reduces rate from 4.75% to 3.25%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000251856

255_303_932

932

Credit

Missing AUS results

Missing AUS results. The loan file is missing the final AUS.

(2021-07-09) Client provided documentation to resolve. Condition cleared.

Summary: Borrower has resided in current property for 30.00 years. ; Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 13.07 months reserves, loan qualified with 20.83 months reserves. ; Summary: Refinance reduces rate from 4.75% to 3.25%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000254103

255_270_1538

1538

Credit

Missing Rental Income Documentation for Subject Property

Missing Rental Income Documentation for Subject Property. The required documentation is: 1007 or 1025, signed federal tax return and Schedule E. The missing documentation is: signed federal tax return and Schedule E.

(2021-06-23) Lender provided 1007, rental agreement for $XXXX and proof of rental payments for 2 months, condition  cleared (2021-06-22) client provided XXXXXXXXXX but did not address missing rental income documentation for subject property - condition remains active

Summary: UW Guides require 6.00 months reserves, loan qualified with 15.31 months reserves. ; Summary: Refinance reduces rate from 4.38% to 3.13%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000254103

255_270_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  2 Fraud Report in file Borrower: No CoBorrower: No Borrower 3: ___ Borrower 4: ___

(2021-07-09) Client provided documentation to resolve. Condition cleared.

Summary: UW Guides require 6.00 months reserves, loan qualified with 15.31 months reserves. ; Summary: Refinance reduces rate from 4.38% to 3.13%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000254103

255_270_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS). Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due missing the signed federal tax return and Schedule E.

(2021-06-23) AUS Standards are now met and loan meets TQM standards. (2021-06-23) Lender provided 1007, rental agreement for $XXXX and proof of rental payments for 2 months, condition cleared. (2021-06-22) client provided XXXXXXXXXX but did not address missing rental income documentation for subject property - condition remains active

Summary: UW Guides require 6.00 months reserves, loan qualified with 15.31 months reserves. ; Summary: Refinance reduces rate from 4.38% to 3.13%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000254109

255_202_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  2 Fraud Report in file Borrower: No CoBorrower: No Borrower 3: ___ Borrower 4: ___

(2021-06-14) Lender provided fraud report with no issues, condition cleared.

Summary: Borrower has resided in current property for 9.00 years. ; Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 23.38 months reserves. ; Summary: Coborrower has 21.50 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000254109

255_202_15857

15857

Credit

Missing Written Verification of Employment - Bonus,OT,Commission 1(CoBorrower)

Written Verification of employment is missing for CoBorrower  for bonus, overtime, or commission income used to qualify.  This income is for the job listed in position 1 on the application.

(2021-06-14) Lender provided WVOE dated XX/XX/XX for Co-Borrower, condition cleared.

Summary: Borrower has resided in current property for 9.00 years. ; Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 23.38 months reserves. ; Summary: Coborrower has 21.50 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000254302

255_293_1454

1454

Credit

Missing Evidence of Insurance for Primary Residence

Missing Evidence of Insurance for Primary Residence

(2021-06-23) Lender provided evidence of Hazard Insurance for Primary Residence. Documentation submitted is deemed acceptable. Condition cleared.

Summary: Borrower has resided in current property for 13.00 years. ; Summary: Refinance reduces total housing payment by  $-XXXX.XX. ; Summary: Primary borrower has 24.80 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000254859

255_56_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  1 Fraud Report in file Borrower: No CoBorrower: ___ Borrower 3: ___ Borrower 4: ___

(2021-05-27) Client provided Fraud Report - condition cleared

Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 11.20 months reserves, loan qualified with 50.44 months reserves. ; Summary: Primary borrower has 6.00 years in field. ; Summary: Refinance reduces rate from 10.00% to 3.25%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000256478

255_400_5128

5128

Credit

Missing Evidence that REO2 Property is Owned Free and Clear

Missing Evidence that REO2 Property is Owned Free and Clear Evidence that the property at XXXXX XXXX XX is owned Free & Clear not provided.

(2021-06-24) Lender provided evidence the REO is owned free and clear.  Condition is cleared.

Summary: Primary borrower has 14.25 years in field. ; Summary: UW Guides require 9.84 months reserves, loan qualified with 82.91 months reserves. ; Summary: Refinance reduces rate from 3.50% to 3.13%. ; Summary: Refinance reduces total housing payment by  $-XXX.XX.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000256478

255_400_5130

5130

Credit

Missing Evidence that REO4 Property is Owned Free and Clear

Missing Evidence that REO4 Property is Owned Free and Clear Evidence that the property at XXXX XXXXXX XX is owned Free & Clear not provided.

(2021-06-24) Lender provided evidence the REO is owned free and clear.  Condition is cleared.

Summary: Primary borrower has 14.25 years in field. ; Summary: UW Guides require 9.84 months reserves, loan qualified with 82.91 months reserves. ; Summary: Refinance reduces rate from 3.50% to 3.13%. ; Summary: Refinance reduces total housing payment by  $-XXX.XX.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000258383

255_336_1466

1466

Credit

Missing Evidence of XXX Dues for Primary Residence

Missing Evidence of XXX Dues for Primary Residence Missing Evidence of XXX Dues for Primary Residence.  The property details report provided to document property taxes indicates the property is a townhouse and refers to “XXX XXXX”.

(2021-06-24) Lender provided fraud report review primary residence is a townhouse/Rowhouse with no XXX fee dues, and based on the final 1003 mortgage at $XXX and taxes and HOI at XXX.XX, no XXX is needed, condition cleared.

Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 9.28 months reserves, loan qualified with 11.61 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000258383

255_336_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  1 Fraud Report in file Borrower: No CoBorrower: ___ Borrower 3: ___ Borrower 4: ___ The file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search. Additional conditions may apply.

(2021-06-24) Lender provided Fraud report with OFAC Search, condition cleared.

Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 9.28 months reserves, loan qualified with 11.61 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000258383

255_336_10748

10748

Credit

OFAC Search

The OFAC search was not provided. Borrowers on loan: 1  OFAC search in file:  Borrower: No CoBorrower:___ Borrower 3: ___ Borrower 4: ___ The OFAC search was not provided.

(2021-06-24) Lender provided Fraud report with OFAC Search, condition cleared.

Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 9.28 months reserves, loan qualified with 11.61 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000258947

255_168_18600

18600

Credit

Invalid AUS

The exception 'Invalid AUS' is cleared. From fields in template: How Was Loan Underwritten ---- AUS Assets ---- No CLTV ---- No DTI ---- No FICO ---- No Income ---- No Incorrect Figures ---- No Incorrect Loan Application ---- No LTV ---- No Occupancy ---- No Omission of Debt ---- No Other Debt ---- No Reserves ---- No Subject PITI ---- No Subject Property Address ---- No Wrong Loan Amount ---- No

(2021-06-17) Client provided Valid AUS - condition cleared

Summary: UW Guides require 6.00 months reserves, loan qualified with 31.96 months reserves. ; Summary: Primary borrower has 11.00 years in field.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000258947

255_168_932

932

Credit

Missing AUS results

Missing AUS results. Additional conditions may apply.

(2021-06-17) Client provided AUS - condition cleared

Summary: UW Guides require 6.00 months reserves, loan qualified with 31.96 months reserves. ; Summary: Primary borrower has 11.00 years in field.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000258947

255_168_17008

17008

Credit

Property Tax Assessor Number is incorrect

XXX number on Appraisal, Title and Mortgage do not match. The Appraisal reflects APN XXXX-XX-XXX-XXXX-XXX XXXX-XX-XXX-XXXX-XXX, however, the Mortgage reflects APN XXXX-XX-XXX-XXXX-XXX.

(2021-06-08) Rescind.

Summary: UW Guides require 6.00 months reserves, loan qualified with 31.96 months reserves. ; Summary: Primary borrower has 11.00 years in field.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000259664

255_282_12428

12428

Credit

Missing Evidence of Property Taxes for REO2

Evidence of property taxes for property 2  on the final application not provided. Evidence of property taxes for property at XXX X XXXX XXXXXX not provided. Evidence of property taxes for property at XXX X XXXX XXXXXX not provided.

(2021-06-23) Lender provided Property Tax Bill, condition cleared. (2021-06-10) Evidence of property taxes for property at XXX X XXXX XXXXXX not provided.

Summary: Borrower has resided in current property for 6.50 years. ; Summary: UW Guides require 15.87 months reserves, loan qualified with 48.83 months reserves. ; Summary: Refinance reduces total housing payment by  $-XXXX.XX. ; Summary: UW guides maximum DTI of 23.45%, loan qualified with DTI of 23.41%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000259664

255_282_15997

15997

Credit

Required Documentation is Missing

The loan file is missing proof of the new terms with UWM for the properties at XXXX XXXXXXXXX XXXX and XXX X XXXX XXXXXX. The loan file is missing proof of the new terms with UWM for the properties at XXXX XXXXXXXXXX XXXX and XXX X XXXX XXXXXX.

(2021-06-23) Lender provided Final CDs for XXXX XXXXXXXXXX XXXX and XXX X XXXX XXXXXX, condition cleared.

Summary: Borrower has resided in current property for 6.50 years. ; Summary: UW Guides require 15.87 months reserves, loan qualified with 48.83 months reserves. ; Summary: Refinance reduces total housing payment by  $-XXXX.XX. ; Summary: UW guides maximum DTI of 23.45%, loan qualified with DTI of 23.41%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000259676

255_222_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  1 Fraud Report in file Borrower: No CoBorrower: ___ Borrower 3: ___ Borrower 4: ___

(2021-06-14) Lender provided Fraud Report with OFAC Search- pass, condition cleared.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000259676

255_222_10748

10748

Credit

OFAC Search

The OFAC search was not provided. Borrowers on loan: 1  OFAC search in file:  Borrower: No CoBorrower:___ Borrower 3: ___ Borrower 4: ___

(2021-06-14) Lender provided Fraud Report with OFAC Search- pass, condition cleared.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000261615

255_32_1102

1102

Credit

Missing Permanent Resident Alien Card (Borrower 1)

Missing Permanent Resident Alien Card for Borrower 1

(2021-06-07) Permanent Resident Alien Card is Yes (2021-06-07) Lender provided acceptable evidence of residency.  Condition is cleared.

Summary: Primary borrower has 9.83 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000262471

255_80_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with  Income,.

(2021-06-03) Signed XXXX tax return provided

(2021-06-03) Client provided signed XXXX tax return - condition cleared

Summary: Primary borrower has 17.00 years in field. ; Summary: UW Guides require 8.27 months reserves, loan qualified with 61.15 months reserves. ; Summary: UW guides maximum DTI of 33.00%, loan qualified with DTI of 25.24%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000262471

255_80_1456

1456

Credit

Missing Evidence of Insurance for REO1

Missing Evidence of Insurance for property 1 on final application

(2021-07-13) Client provided documentation to resolve. Condition cleared.

Summary: Primary borrower has 17.00 years in field. ; Summary: UW Guides require 8.27 months reserves, loan qualified with 61.15 months reserves. ; Summary: UW guides maximum DTI of 33.00%, loan qualified with DTI of 25.24%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000262471

255_80_1451

1451

Credit

Missing Evidence of Property Taxes for Primary Residence

Missing Evidence of Property Taxes for Primary Residence

(2021-07-13) Client provided documentation to resolve. Condition cleared.

Summary: Primary borrower has 17.00 years in field. ; Summary: UW Guides require 8.27 months reserves, loan qualified with 61.15 months reserves. ; Summary: UW guides maximum DTI of 33.00%, loan qualified with DTI of 25.24%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000262471

255_80_1457

1457

Credit

Missing Executed Personal Tax Returns for Borrower

Guidelines state: At least 1 year personal returns required.  Status of Personal Tax Return: Not Executed.  Tax Transcripts in file: No.  Details: XXXX 1040s are not executed . No IRS Transcript in file

(2021-06-03) signed XXXX 1040 provided

(2021-06-03) Client provided signed XXXX tax return - condition cleared

Summary: Primary borrower has 17.00 years in field. ; Summary: UW Guides require 8.27 months reserves, loan qualified with 61.15 months reserves. ; Summary: UW guides maximum DTI of 33.00%, loan qualified with DTI of 25.24%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000262471

255_80_1540

1540

Credit

Missing Rental Income Documentation for REO1

Missing Rental Income Documentation for REO1. The required documentation is: signed federal tax return and Schedule E. The missing documentation is: signed federal tax return and Schedule E

(2021-07-13) Client provided documentation to resolve. Condition cleared.

Summary: Primary borrower has 17.00 years in field. ; Summary: UW Guides require 8.27 months reserves, loan qualified with 61.15 months reserves. ; Summary: UW guides maximum DTI of 33.00%, loan qualified with DTI of 25.24%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000262471

255_80_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS). Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to missing executed personal tax for the borrower.

(2021-06-03) AUS Standards are now met and loan meets TQM standards. Signed XXXX tax return provided (2021-05-26) Condition will clear when client provides missing document and resolves Invalid AUS

Summary: Primary borrower has 17.00 years in field. ; Summary: UW Guides require 8.27 months reserves, loan qualified with 61.15 months reserves. ; Summary: UW guides maximum DTI of 33.00%, loan qualified with DTI of 25.24%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000262471

255_80_-99349

-99349

Compliance

TILA Finance Charge Test

This loan passed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from  12 CFR §226.18(d)(1) )The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is considered accurate because:It is understated by no more than $XXX; orIt is greater than the amount required to be disclosed. The Amount Financed is over disclosed and exceeds allowable $XXX variance/threshold for Purchase Transactions. The Closing Disclosure dated XX/XX/XXXX reflects an Amount Financed of $XXX,XXX.XX vs. actual $XXX,XXX.XX, an over disclosure of $XXX. Appraisal Rush fee of $XXX not included in fees.  Provide corrected CD, letter of explanation, proof of delivery and re-open rescission, if applicable.

(2021-07-13) Finding rescinded

Summary: Primary borrower has 17.00 years in field. ; Summary: UW Guides require 8.27 months reserves, loan qualified with 61.15 months reserves. ; Summary: UW guides maximum DTI of 33.00%, loan qualified with DTI of 25.24%.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000262471

255_80_-96378

-96378

Compliance

TRID Post-Consummation Reason for Redisclosure Validation Test

This loan failed the TRID post-consummation reason for redisclosure validation test.This loan contains a post-consummation revised closing disclosure delivery date but does not provide the reason for the redisclosure after consummation. The reason is required in order to audit post-consummation redisclosure timing tests.

(2021-07-13) Rescind finding

Summary: Primary borrower has 17.00 years in field. ; Summary: UW Guides require 8.27 months reserves, loan qualified with 61.15 months reserves. ; Summary: UW guides maximum DTI of 33.00%, loan qualified with DTI of 25.24%.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000263579

255_79_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  2 Fraud Report in file Borrower: No CoBorrower: No Borrower 3: ___ Borrower 4: ___

(2021-06-01) FraudGuard Report provided

(2021-06-01) Client provided XXXXXXXXXX report - condition cleared

Summary: UW Guides require 6.00 months reserves, loan qualified with 37.42 months reserves. ; Summary: Primary borrower has 10.58 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000264027

255_78_1472

1472

Credit

Borrower's financed properties exceed guideline maximum

A borrower is not eligible for financing if they currently have 4 financed properties.  Per the schedule of real estate owned, the borrower(s) currently (has/have) 5 financed properties, which makes them ineligible for financing. A borrower is not eligible for financing if they currently have 4 financed properties.  Per the schedule of real estate owned, the borrowers currently have 5 financed properties, which makes them ineligible for financing.

(2021-07-13) condition cleared - max properties not exceeded (2021-05-26) Condition rescinded - max properties not exceeded

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000264027

255_78_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS). Number of financed properties exceeds max financed properties allowed by AUS.

(2021-05-26) AUS Standards are now met and loan meets TQM standards. (2021-05-26) AUS standards met with rescission of max properties

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000264824

255_304_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is above 2.5, No CDA in File, No AVM in file, Field Review not required

(2021-06-24) AVM is acceptable.  Condition is cleared.

Summary: UW Guides require 7.57 months reserves, loan qualified with 19.59 months reserves. ; Summary: UW guides maximum DTI of 24.00%, loan qualified with DTI of 16.72%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000264824

255_304_-96634

-96634

Compliance

KS License Validation Test

This loan failed the Kansas license validation test.This loan failed the Kansas license validation test for one of the following reasons:Kansas SB 129 (2013 Kansas Laws Ch. 29) requires lenders who originate subordinate mortgage liens to be licensed under the Kansas Uniform Consumer Credit Code on or after XXXX X, XXXX. After this date, lenders are no longer allowed to make subordinate lien loans under a Kansas License Using Interest Section 16-207 or its corresponding Exemption Letter.Kansas K.S.A. 9-2201 requires that mortgage lien loans with a closing date on or after XXXX X, XXXX must be made under a XXXXXX XXXXXXXX XXXXXXXX XXXXXXX license. The Office of the State Bank Commissioner of Kansas has additionally clarified that after this date, lenders are no longer allowed to make mortgage lien loans under a Kansas Supervised Lender license.

(2021-06-23) Disagree - 1) This was a purchase loan, in 1st position.  2) XXX does not originate subordinate loans. 3) XXX is licensed in Kansas.  The cited code would not apply.  Please remove the finding.

(2021-07-08) condition rescinded

Summary: UW Guides require 7.57 months reserves, loan qualified with 19.59 months reserves. ; Summary: UW guides maximum DTI of 24.00%, loan qualified with DTI of 16.72%.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000265061

255_151_18213

18213

Credit

Missing Evidence of Self Employment - Borrower 1 Partnership

Borrower 1 is self-employed and is missing verification of self-employment dated within 14 prior to the Note date on the partnership listed in position 1 on the application.  Documentation Requirements: Allow CPA Letter or Business License or other valid verification.  Status of possible documentation for verification of self-employment:  CPA letter is Not in File, Business license is Not in File, Other verification is dated more than the maximum allowable days prior to the Note date.  The note date is XX/X/XXX.   There is no evidence indicating the loan had been delivered to the XXX. ___ Evidence business is open and operating within 10 business days of the Note date is missing for business listed in position 1 on the final application; as required per updated guidelines due to COVID.

(2021-06-16) Client provided updated verification dated XX/XX/XXXX - condition cleared. (2021-06-09) Lender provided a business license search dated XX/XX/XXXX.  COVID overlays for Freddie Mac require a verification dated within 10 days of the closing date.  Condition remains.

Summary: Primary borrower has 22.25 years in field. ; Summary: Borrower has 22.25 years self employed. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 15.38 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000265595

255_77_1540

1540

Credit

Missing Rental Income Documentation for REO1

Missing Rental Income Documentation for REO1. The required documentation is: signed federal tax return and Schedule E. The missing documentation is: signed federal tax return and Schedule E

(2021-07-09) Client provided document - condition cleared

Summary: UW Guides require 7.14 months reserves, loan qualified with 26.69 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000265595

255_77_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS).

(2021-07-09) AUS Standards are now met and loan meets TQM standards.   Condition cleared (2021-07-09) condition cleared

Summary: UW Guides require 7.14 months reserves, loan qualified with 26.69 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000265747

255_221_15997

15997

Credit

Required Documentation is Missing

The loan file is missing one (1) full month complete bank statement for bank account reflected on final loan application.  Bank statement in file only covers 14 days.  AUS (LP) requires 1 full month.  Additional conditions may apply.

(2021-06-22) Lender provided a Bank Statement from XXXXXXXXXX for checking a/c #XXXX covering 1 month, from XX/XX/XXXX thru XX/XX/XXXX.  Condition Cleared.

Summary: UW Guides require 6.00 months reserves, loan qualified with 44.04 months reserves. ; Summary: Refinance reduces rate from 6.75% to 3.38%. ; Summary: Refinance reduces total housing payment by  $-XX.XX.

Cleared

2

1

B

A

B

A

B

A

B

A

B

A

Yes

0000265822

255_83_17008

17008

Credit

Property Tax Assessor Number is incorrect

APN number on Appraisal, Title and Mortgage do not match.

(2021-06-01) Tax information provided

(2021-06-01) Client provided corrected tax information - condition cleared (2021-05-27) Cleared.

Summary: UW Guides require 6.00 months reserves, loan qualified with 6.74 months reserves. ; Summary: UW guides maximum DTI of 43.26%, loan qualified with DTI of 39.58%. ; Summary: Refinance reduces rate from 4.75% to 3.38%. ; Summary: Refinance reduces total housing payment by  $-XXX.XX.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000266523

255_133_18600

18600

Credit

Invalid AUS

The exception 'Invalid AUS' is cleared. From fields in template: How Was Loan Underwritten ---- AUS Assets ---- No CLTV ---- No DTI ---- No FICO ---- No Income ---- No Incorrect Figures ---- No Incorrect Loan Application ---- No LTV ---- No Occupancy ---- No Omission of Debt ---- No Other Debt ---- No Reserves ---- No Subject PITI ---- Yes Subject Property Address ---- No Wrong Loan Amount ---- No

(2021-07-12) Invalid finding. Finding rescinded.

Summary: Primary borrower has 13.83 years in field. ; Summary: Borrower has 13.83 years self employed. ; Summary: UW Guides require 5.99 months reserves, loan qualified with 54.08 months reserves.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000268269

255_193_16059

16059

Compliance

Initial Closing Disclosure timing requirement not met

Based on the date of the initial CD, the borrower was not in receipt of the initial CD 3 business days prior to consummation.

(2021-06-14) CD provided reflecting proper timing.

Summary: UW Guides require 6.00 months reserves, loan qualified with 32.17 months reserves. ; Summary: UW guides maximum DTI of 34.01%, loan qualified with DTI of 21.96%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000268269

255_193_16061

16061

Compliance

Initial Closing Disclosure timing requirement not met - missing consummation date

This loan failed the initial CD delivery date test due to one of the following findings: The initial CD delivery date is provided and the initial CD disclosure method of delivery is marked as either: "USPS First Class Mail" or "Electronic Delivery" or blank, and the initial CD delivery date is less than six business days before the consummation date, or the closing/settlement date if no consummation date is provided, of the transaction; or "In Person" and the initial CD delivery date is less than three business days before the consummation date, or the closing/settlement date if no consummation date is provided, of the transaction; or the initial CD receipt date is provided and the initial CD receipt date is less than three business days before consummation date, or closing/settlement date if no consummation date is provided, of the transaction.

(2021-06-14) Initial CD provided meeting appropriate timing requirements.

Summary: UW Guides require 6.00 months reserves, loan qualified with 32.17 months reserves. ; Summary: UW guides maximum DTI of 34.01%, loan qualified with DTI of 21.96%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000270782

255_227_1466

1466

Credit

Missing Evidence of XXX Dues for Primary Residence

Missing Evidence of XXX Dues for Primary Residence

(2021-06-22) Lender provided the XXX dues for primary residence.  Annual Statement of $X,XXX.XX or $XXX.XX/month.  Condition Cleared.

Summary: UW Guides require 66.56 months reserves, loan qualified with 90.80 months reserves. ; Summary: Borrower has 17.25 years self employed.

Cleared

2

1

B

A

B

A

B

A

B

A

B

A

Yes

0000270782

255_227_18249

18249

Credit

Missing Evidence of Self Employment - Borrower 1 S Corporation

Borrower 1 is self-employed and is missing verification of self-employment dated within 120 prior to the Note date on the S corporation listed in position 1 on the application.  Documentation Requirements: Allow CPA Letter or Business License or other valid verification.  Status of possible documentation for verification of self-employment:  CPA letter is Not in File, Business license is Not in File, Other verification is Not in File.  The note date is XX/XX/XXXX.   There is no evidence indicating the loan had been delivered to the XXX. ___

(2021-06-22) Lender provided the Business License obtained through the Secretary of State website dated XX/XX/XXXX; status of good standing.  Condition Cleared.

Summary: UW Guides require 66.56 months reserves, loan qualified with 90.80 months reserves. ; Summary: Borrower has 17.25 years self employed.

Cleared

2

1

B

A

B

A

B

A

B

A

B

A

Yes

0000270782

255_227_18270

18270

Credit

Missing Evidence of Self Employment - Borrower 1 Schedule C Business

Borrower 1 is self-employed and is missing verification of self-employment dated within 120 prior to the Note date on the schedule C business listed in position 2 on the application.  Documentation Requirements: Allow CPA Letter or Business License or other valid verification.  Status of possible documentation for verification of self-employment:  CPA letter is Not in File, Business license is Not in File, Other verification is Not in File.  The note date is XX/XX/XXXX.   There is no evidence indicating the loan had been delivered to the XXX. ___

(2021-06-22) Condition Rescinded.  XXXX Tax Return with Schedule C found in file on page 195.

Summary: UW Guides require 66.56 months reserves, loan qualified with 90.80 months reserves. ; Summary: Borrower has 17.25 years self employed.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000270782

255_227_13095

13095

Credit

Missing Payoff Statement for prior loan

Missing payoff statement for prior loan.

(2021-06-22) Trailing Doc:  Lender provided the Payoff statement for subject property.  Condition Cleared.

Summary: UW Guides require 66.56 months reserves, loan qualified with 90.80 months reserves. ; Summary: Borrower has 17.25 years self employed.

Cleared

2

1

B

A

B

A

B

A

B

A

B

A

Yes

0000271124

255_338_15232

15232

Credit

Missing W-2 Job 1 (Borrower)

Lender's guidelines require 2 years' W-2.  Two years' W-2 not provided for Borrower's job listed in position 1 on the application.  Number of W-2s in file is  0 AUS requires 1 years' W-2.  The XXXX W-2 was missing.  The loan file included a XXXX W-2 however it was blank.

(2021-07-02) Lender provided legible W-2 that supports income used at origination, condition cleared. (2021-06-24) Lender provided VVOE and W2 XXXX but W2 is still blank as one present in the loan file, condition remains.

Summary: UW Guides require 87.07 months reserves, loan qualified with 687.00 months reserves. ; Summary: Primary borrower has 9.58 years in field. ; Summary: UW guides maximum DTI of 50.00%, loan qualified with DTI of 45.50%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000271124

255_338_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS). Loan is failing to meet Temporary Qualified Mortgage due to missing W-2.

(2021-07-02) AUS Standards are now met and loan meets TQM standards. (2021-07-02) AUS Standards are now met and loan meets TQM standards. (2021-06-24) Lender provided VVOE and W2 XXXX but W2 is still blank as one present in the loan file, condition remains.

Summary: UW Guides require 87.07 months reserves, loan qualified with 687.00 months reserves. ; Summary: Primary borrower has 9.58 years in field. ; Summary: UW guides maximum DTI of 50.00%, loan qualified with DTI of 45.50%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000271329

255_387_11312

11312

Credit

DTI Exceeds Guidelines

Guidelines reflect a DTI of 50.12%. Due to a miscalculation of debts to income, the actual DTI is 52.24%. Income  used includes total borrower income $X,XXX.XX plus subject property positive rental income $0.00 plus other REO positive rental income $0.00. Total debt amount used is $X,XXX.XX. The Guidelines/AUS reflects a maximum allowable DTI of 50%.  Due to the improper calculation of rental income, the actual DTI is 52.24%. Lender calculated rental income was $XXX.XX for property XXXX XXXXXXX XX. Audited income reflects $XXX.XX.

(2021-07-02) Lender provided calculation worksheets.  Audit recalculation results in an acceptable DTI.  Conditions is cleared. (2021-06-25) AUS reflects a DTI of 50.12%.  Due to a miscalculation of debts to income, the actual DTI is 52.24%.  Income used includes total borrower income $X,XXX.XX plus subject property positive rental income of $0.00 plus other REO positive rental income $0.00.  Total debt amount used is $X,XXX.XX.

Summary: Borrower has resided in current property for 3.00 years. ; Summary: UW Guides require 10.21 months reserves, loan qualified with 38.88 months reserves. ; Summary: Primary borrower has 6.67 years in field. ; Summary: Refinance reduces rate from 5.00% to 3.38%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000271329

255_387_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI,. The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects  DTI of 50%. Audited DTI reflects 52.24%.

(2021-07-02) Lender provided calculation worksheets.  Audit recalculation results in an acceptable DTI.  Conditions is cleared.

Summary: Borrower has resided in current property for 3.00 years. ; Summary: UW Guides require 10.21 months reserves, loan qualified with 38.88 months reserves. ; Summary: Primary borrower has 6.67 years in field. ; Summary: Refinance reduces rate from 5.00% to 3.38%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000271329

255_387_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS). Loan does not meet criteria for Temporary Qualified Mortgage due to DTI exceeding guidelines.

(2021-07-02) AUS Standards are now met and loan meets TQM standards. (2021-07-02) AUS Standards are now met and loan meets TQM standards.

Summary: Borrower has resided in current property for 3.00 years. ; Summary: UW Guides require 10.21 months reserves, loan qualified with 38.88 months reserves. ; Summary: Primary borrower has 6.67 years in field. ; Summary: Refinance reduces rate from 5.00% to 3.38%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000272807

255_223_17453

17453

Compliance

Temporary Qualified Mortgage Points & Fees Failure

This loan's points and fees exceed the qualified mortgage points and fees threshold. A qualified mortgage is a covered transaction that limits the points and fees charged at consummation to a specific percentage or flat dollar amounts dependent upon the mortgage's total loan amount.

(2021-07-06) Located Loan Details Report in file.  Condition is rescinded. (2021-06-23) $X,XXX.XX > $X,XXX.XX, the maximum points and fees allowed under XX, by $XXX.XX. When discount points are involved, the lender can try to prove they are bona fide. To verify bona fide discount points, we will need the rate sheet, PAR, or some form of proof that verifies the amount the borrower paid in points directly led to a discount in rate.

Summary: UW Guides require 7.64 months reserves, loan qualified with 31.61 months reserves. ; Summary: Primary borrower has 7.58 years in field.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000273386

255_244_11312

11312

Credit

DTI Exceeds Guidelines

Guidelines reflect a DTI of 28.00%. Due to a miscalculation of debts to income, the actual DTI is 37.16%. Income  used includes total borrower income $X,XXX.XX plus subject property positive rental income $XXX.XX plus other REO positive rental income $X,XXX.XX. Total debt amount used is $X,XXX.XX. Total debt included in DTI is $X,XXX.XX. The lender utilized a monthly debt for Child Support of $XXX.XX, however, the divorce decree reflects $X,XXX.XX. Additionally, the lender deducted $X,XXX.XX from the monthly income for Alimony, however, the divorce decree reflects $X,XXX.XX. No explanation for the difference provided in the loan file.

(2021-06-28) Lender provided evidence of updated child support obligation.  Condition is cleared.

Summary: Borrower has resided in current property for 3.00 years. ; Summary: Refinance reduces total housing payment by  $-X,XXX.XX. ; Summary: UW Guides require 64.81 months reserves, loan qualified with 91.45 months reserves. ; Summary: Refinance reduces rate from 4.75% to 3.38%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000273386

255_244_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI,. DTI exceeds guidelines

(2021-06-28) Lender provided evidence of updated child support obligation.  Condition is cleared.

Summary: Borrower has resided in current property for 3.00 years. ; Summary: Refinance reduces total housing payment by  $-X,XXX.XX. ; Summary: UW Guides require 64.81 months reserves, loan qualified with 91.45 months reserves. ; Summary: Refinance reduces rate from 4.75% to 3.38%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000273386

255_244_15997

15997

Credit

Required Documentation is Missing

The loan file is missing: 1) Missing refinance Closing Disclosure for XXXX XXXXXXXX XXXX XXXXX reflecting the newly obtained P & I and evidence all current liens are paid, if applicable. 2) Missing refinance Closing Disclosure for XXXXX XXXXXXX XXXXXX XXXX reflecting the newly obtained P & I and evidence all current liens are paid, if applicable. 3) Missing refinance Closing Disclosure for XXXXX XXXXXX XXXX reflecting the newly obtained P & I and evidence all current liens are paid, if applicable. The loan file is missing: 1) Missing refinance Closing Disclosure for XXXX XXXXXXXX XXXX XXXXX reflecting the newly obtained P & I and evidence all current liens are paid, if applicable. 2) Missing refinance Closing Disclosure for XXXXX XXXXXXX XXXXXX XXXX reflecting the newly obtained P & I and evidence all current liens are paid, if applicable. 3) Missing refinance Closing Disclosure for XXXXX XXXXXX XXXX reflecting the newly obtained P & I and evidence all current liens are paid, if applicable. The loan file is missing: 1) Missing refinance Closing Disclosure for XXXX XXXXXXX XXXX XXXXX reflecting the newly obtained P & I and evidence all current liens are paid, if applicable. 2) Missing refinance Closing Disclosure for XXXXX XXXXXXX XXXXXX XXXX reflecting the newly obtained P & I and evidence all current liens are paid, if applicable. 3) Missing refinance Closing Disclosure for XXXXX XXXXXX XXXX reflecting the newly obtained P & I and evidence all current liens are paid, if applicable.

(2021-06-28) Lender provided required evidence of new P&I payments.  Condition is cleared. (2021-06-23) The loan file is missing: 1) Missing refinance Closing Disclosure for XXXX XXXXXXXX XXXX XXXXX reflecting the newly obtained P & I and evidence all current liens are paid, if applicable. 2) Missing refinance Closing Disclosure for XXXXX XXXXXXX XXXXXX XXXX reflecting the newly obtained P & I and evidence all current liens are paid, if applicable. 3) Missing refinance Closing Disclosure for XXXXX XXXXXX XXXX reflecting the newly obtained P & I and evidence all current liens are paid, if applicable.

Summary: Borrower has resided in current property for 3.00 years. ; Summary: Refinance reduces total housing payment by  $-X,XXX.XX. ; Summary: UW Guides require 64.81 months reserves, loan qualified with 91.45 months reserves. ; Summary: Refinance reduces rate from 4.75% to 3.38%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000273386

255_244_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS). Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to DTI exceeds guidelines.

(2021-06-23) AUS Standards are now met and loan meets TQM standards.

Summary: Borrower has resided in current property for 3.00 years. ; Summary: Refinance reduces total housing payment by  $-X,XXX.XX. ; Summary: UW Guides require 64.81 months reserves, loan qualified with 91.45 months reserves. ; Summary: Refinance reduces rate from 4.75% to 3.38%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000273386

255_244_17453

17453

Compliance

Temporary Qualified Mortgage Points & Fees Failure

This loan's points and fees exceed the qualified mortgage points and fees threshold. A qualified mortgage is a covered transaction that limits the points and fees charged at consummation to a specific percentage or flat dollar amounts dependent upon the mortgage's total loan amount. $X,XXX.XX > $X,XXX.XX, the maximum points and fees allowed under XX, by $XXX.XX. When discount points are involved, the lender can try to prove they are bona fide. To verify bona fide discount points, we will need the rate sheet, PAR, or some form of proof that verifies the amount the borrower paid in points directly led to a discount in rate.

(2021-07-06) Lender provided Loan Detail Report.  Condition is cleared. (2021-06-23) $X,XXX.XX > $X,XXX.XX, the maximum points and fees allowed under QM, by $XXX.XX. When discount points are involved, the lender can try to prove they are bona fide. To verify bona fide discount points, we will need the rate sheet, PAR, or some form of proof that verifies the amount the borrower paid in points directly led to a discount in rate.

Summary: Borrower has resided in current property for 3.00 years. ; Summary: Refinance reduces total housing payment by  $-X,XXX.XX. ; Summary: UW Guides require 64.81 months reserves, loan qualified with 91.45 months reserves. ; Summary: Refinance reduces rate from 4.75% to 3.38%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000274409

255_188_932

932

Credit

Missing AUS results

Missing AUS results.

(2021-06-11) Lender provided DU Approval dated XX/XX/XXXX submission #14.  Updated in XXXXXXX and Cleared.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000274409

255_188_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is above 2.5, No CDA in File, AVM not required, Field Review not required

(2021-06-16) Client provided high quality AVM - condition cleared

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000274635

255_273_15997

15997

Credit

Required Documentation is Missing

Missing evidence to support omission of mortgage debt for REO#3 and REO#4 listed on the final application as required per LP.  Missing corresponding notes with new P&I payments.

(2021-06-21) Lender provided Closing Dislosures for both rentals, as required. Condition is cleared.

Summary: Borrower has resided in current property for 27.00 years. ; Summary: UW Guides require 11.97 months reserves, loan qualified with 252.26 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000275884

255_403_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is Missing, Unknown, Unknown, Unknown

(2021-06-25) Client provided CDA that supports value at origination, condition cleared.

Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: Borrower has resided in current property for 34.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000276640

255_187_8671

8671

Credit

Missing Evidence of XXX Dues for REO4

Missing Evidence of XXX Dues for REO4 Missing Evidence of XXX Dues for XXXX XXXXXXXX XX

(2021-06-16) Client provided CD showing no XXX dues on property - condition cleared (2021-06-11) Lender provided evidence of XXX for another property.  Evidence of XXX dues is required for REO4 (XXXX XXXXXXXX XX).  Condition remains.

Summary: UW Guides require 34.90 months reserves, loan qualified with 90.37 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000276640

255_187_8720

8720

Credit

Missing Evidence of Insurance for REO4

Missing Evidence of Insurance for property 4 on final application Missing Evidence of Insurance for XXXX XXXXXXXX XX

(2021-06-16) Client provided CD showing HO ins for property - condition cleared (2021-06-11) Lender provided evidence of tax and insurance for another REO.  Evidence is required for REO4 (XXXX XXXXXXXX XX).  Condition remains.

Summary: UW Guides require 34.90 months reserves, loan qualified with 90.37 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000276640

255_187_12430

12430

Credit

Missing Evidence of Property Taxes for REO4

Evidence of property taxes for property 4  on the final application not provided. Evidence of property taxes for XXXX XXXXXXXX XX not provided.

(2021-06-16) client provided CD showing taxes on property - condition cleared (2021-06-11) Lender provided evidence of tax and insurance for another REO.  Evidence is required for REO4 (XXXX XXXXXXXX XX).  Condition remains.

Summary: UW Guides require 34.90 months reserves, loan qualified with 90.37 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000281649

255_67_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with  Income,.

(2021-05-27) Condition cleared.

Summary: Refinance reduces total housing payment by  $-X,XXX.XX. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 23.51 months reserves. ; Summary: Primary borrower has 9.83 years in field. ; Summary: Borrower has 9.83 years self employed. ; Summary: Refinance reduces rate from 4.38% to 3.38%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000281649

255_67_16059

16059

Compliance

Initial Closing Disclosure timing requirement not met

Based on the date of the initial CD, the borrower was not in receipt of the initial CD 3 business days prior to consummation.

(2021-06-07) Initial CD provided

(2021-06-07) CD provided reflecting proper timing. (2021-06-07) Client provided initial CD - condition cleared

Summary: Refinance reduces total housing payment by  $-X,XXX.XX. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 23.51 months reserves. ; Summary: Primary borrower has 9.83 years in field. ; Summary: Borrower has 9.83 years self employed. ; Summary: Refinance reduces rate from 4.38% to 3.38%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000281649

255_67_16061

16061

Compliance

Initial Closing Disclosure timing requirement not met - missing consummation date

This loan failed the initial CD delivery date test due to one of the following findings: The initial CD delivery date is provided and the initial CD disclosure method of delivery is marked as either: "USPS First Class Mail" or "Electronic Delivery" or blank, and the initial CD delivery date is less than six business days before the consummation date, or the closing/settlement date if no consummation date is provided, of the transaction; or "In Person" and the initial CD delivery date is less than three business days before the consummation date, or the closing/settlement date if no consummation date is provided, of the transaction; or the initial CD receipt date is provided and the initial CD receipt date is less than three business days before consummation date, or closing/settlement date if no consummation date is provided, of the transaction.

(2021-06-07) Initial CD provided meeting appropriate timing requirements.

Summary: Refinance reduces total housing payment by  $-X,XXX.XX. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 23.51 months reserves. ; Summary: Primary borrower has 9.83 years in field. ; Summary: Borrower has 9.83 years self employed. ; Summary: Refinance reduces rate from 4.38% to 3.38%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000281649

255_67_-99349

-99349

Compliance

TILA Finance Charge Test

This loan passed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from  12 CFR §226.18(d)(1) )The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is considered accurate because:It is understated by no more than $100; orIt is greater than the amount required to be disclosed.

(2021-07-13) Condition rescinded

Summary: Refinance reduces total housing payment by  $-X,XXX.XX. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 23.51 months reserves. ; Summary: Primary borrower has 9.83 years in field. ; Summary: Borrower has 9.83 years self employed. ; Summary: Refinance reduces rate from 4.38% to 3.38%.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000282564

255_317_-98785

-98785

Compliance

Prohibited Lender Fees Test

This loan failed the prohibited lender fees test. (WA RCW §31.04.105) The loan charge fee(s) not provided for in this act, which is prohibited. Every licensee may:  Charge a loan origination fee and sell insurance, in accordance with Title 48 RCW, covering real property, personal property, life, disability, or involuntary unemployment of the borrower.  Agree with the borrower for the payment of fees to third parties, including, but not limited to, mortgage brokers, credit reporting agencies, title companies, appraisers, structural and pest inspectors, and escrow companies, when such fees are actually paid by the licensee to a third party for such services or purposes.

(2021-06-23) Disagree - This was addressed in the First Deal.  The Cited WA Code does not apply to XXX, as XXX is a wholesale lender.

(2021-06-24) System error was corrected, rescind.

Summary: UW Guides require 6.00 months reserves, loan qualified with 45.43 months reserves. ; Summary: Primary borrower has 10.10 years in field.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000285787

255_155_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  1 Fraud Report in file Borrower: No CoBorrower: ___ Borrower 3: ___ Borrower 4: ___

(2021-06-11) Lender provided an acceptable fraud report.  Condition is cleared.

Summary: UW Guides require 8.53 months reserves, loan qualified with 870.90 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000286566

255_318_1456

1456

Credit

Missing Evidence of Insurance for REO1

Missing Evidence of Insurance for property 2 on final application Missing evidence of insurance for XXXXX XXXXXXXX XXXXXXXX XX.

(2021-07-06) Lender provided CD with evidence of taxes and Insurance for REO1.  Condition is cleared.

Summary: UW Guides require 8.94 months reserves, loan qualified with 233.31 months reserves. ; Summary: Primary borrower has 31.75 years in field. ; Summary: Borrower has 31.90 years self employed.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000286566

255_318_1453

1453

Credit

Missing Evidence of Property Taxes for REO1

Evidence of property taxes for property 2  on the final application not provided. Missing evidence of property taxes for XXXXX XXXXXXXX XXXXXXXX XX.

(2021-07-06) Lender provided CD with evidence of taxes and Insurance for REO1.  Condition is cleared.

Summary: UW Guides require 8.94 months reserves, loan qualified with 233.31 months reserves. ; Summary: Primary borrower has 31.75 years in field. ; Summary: Borrower has 31.90 years self employed.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000286566

255_318_15997

15997

Credit

Required Documentation is Missing

Change severity of 'Required Documentation is Missing' from Material to Non-Material.

(2021-06-25) The Lender provided a copy of the note for REO #1 verifiying P&I payment of $X,XXX.XX.  Condition Cleared.

Summary: UW Guides require 8.94 months reserves, loan qualified with 233.31 months reserves. ; Summary: Primary borrower has 31.75 years in field. ; Summary: Borrower has 31.90 years self employed.

Cleared

2

1

B

A

B

A

B

A

B

A

B

A

Yes

0000287991

255_368_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  1 Fraud Report in file Borrower: No CoBorrower: ___ Borrower 3: ___ Borrower 4: ___

(2021-06-29) Lender provided fraud report with OFAC Search, condition cleared

Summary: Refinance reduces total housing payment by  $-X,XXX.XX. ; Summary: Borrower has resided in current property for 6.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000289368

255_132_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  2 Fraud Report in file Borrower: No CoBorrower: No Borrower 3: ___ Borrower 4: ___

(2021-06-09) Lender provided an acceptable fraud report.  Condition is cleared.

Summary: Primary borrower has 10.30 years in field. ; Summary: Borrower has 10.30 years self employed. ; Summary: UW Guides require 15.16 months reserves, loan qualified with 63.53 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000289743

255_169_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  1 Fraud Report in file Borrower: No CoBorrower: ___ Borrower 3: ___ Borrower 4: ___

(2021-06-09) Lender provided an acceptable fraud report. Condition is cleared.

Summary: UW Guides require 8.70 months reserves, loan qualified with 70.90 months reserves. ; Summary: Primary borrower has 18.33 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000292835

255_245_-96465

-96465

Compliance

Invalid Changed Circumstance Finding

Invalid Changed Circumstance Finding ( 12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and  (D) as amended in 2015 ,  §1026.19(e)(4)(i), (ii) ) The initial closing disclosure contains either:A charge that is not an allowable redisclosure under §1026.19(e)(3)(iv); orA disclosure date that is not within the permitted timeframe based on the selection from the reason for redisclosure drop down. Please see the Fee Change Tracking History Table for the disclosure dated  and the various date tests below for more information.For the purpose of determining good faith under §1026.19(e)(3)(i) and (ii), a creditor may use a revised estimate of a charge instead of the estimate of the charge originally disclosed under §1026.19(e)(1)(i) if the revision is due to any of the provisions in §1026.19(e)(3)(iv).If a creditor uses a revised estimate pursuant to §1026.19(e)(3)(iv) for the purpose of determining good faith under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate within the timeframe permitted in §1026.19(e)(3)(iv)(D) or §1026.19(e)(4)(i) and (ii).Official Interpretations12 CFR §1026.19(e)(4)(ii)Relationship to disclosures required under §1026.19(f)(1)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i)...If, however, there are less than four business days between the time the revised version of the disclosures is required to be provided pursuant to §1026.19(e)(4)(i) and consummation, creditors comply with the requirements of §1026.19(e)(4) if the revised disclosures are reflected in the disclosures required by §1026.19(f)(1)(i).

(2021-07-14) Condition is Cleared.

Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 83.27 months reserves, loan qualified with 115.51 months reserves. ; Summary: UW guides maximum DTI of 24.00%, loan qualified with DTI of 17.86%. ; Summary: Refinance reduces rate from 7.50% to 3.38%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000292835

255_245_16072

16072

Compliance

Invalid Changed Circumstance Finding

Invalid Changed Circumstance Finding. The revised LE contains both: charge(s) that is not an allowable redisclosure, a disclosure date that is not within the permitted timeframe based on the selection from the reason for redisclosure drop down.

(2021-07-14) Revised LE providing appropriate change of circumstance. (2021-07-14) Condition is cleared (2021-07-13) Lender provided initial LE and initial CD.  Condition is cleared. (2021-07-13) Lender provided initial LE and initial CD.  Condition is cleared. (2021-06-22) Lender provided initial LE and initial CD.  Condition is cleared.

Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 83.27 months reserves, loan qualified with 115.51 months reserves. ; Summary: UW guides maximum DTI of 24.00%, loan qualified with DTI of 17.86%. ; Summary: Refinance reduces rate from 7.50% to 3.38%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000294271

255_186_8719

8719

Credit

Missing Evidence of Insurance for REO3

Missing Evidence of Insurance for property 3 on final application Missing Evidence of Insurance for XXXX X XXXX XX.

(2021-06-11) Lender provided the CD for REO3 at XXXX X. XXXX XXXXXX, evidencing P&I monthly payment, Taxes and Insurance monthly payment.  Condition Cleared.

Summary: UW guides maximum DTI of 44.00%, loan qualified with DTI of 36.12%. ; Summary: UW Guides require 12.10 months reserves, loan qualified with 120.54 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000294271

255_186_12429

12429

Credit

Missing Evidence of Property Taxes for REO3

Evidence of property taxes for property 3  on the final application not provided. Evidence of property taxes for XXXX X XXXX XX not provided.

(2021-06-11) Lender provided the CD for REO3 at XXXX X. XXXX XXXXXX, evidencing P&I monthly payment, Taxes and Insurance monthly payment.  Condition Cleared.

Summary: UW guides maximum DTI of 44.00%, loan qualified with DTI of 36.12%. ; Summary: UW Guides require 12.10 months reserves, loan qualified with 120.54 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000294271

255_186_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is above 2.5, No CDA in File, No AVM in file, Field Review not required

(2021-06-16) Client provided high quality AVM - condition cleared

Summary: UW guides maximum DTI of 44.00%, loan qualified with DTI of 36.12%. ; Summary: UW Guides require 12.10 months reserves, loan qualified with 120.54 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000294271

255_186_15997

15997

Credit

Required Documentation is Missing

The loan file is missing documentation to verify the debt for XXXX X XXXX XX.

(2021-06-10) The loan file is missing documentation to verify the P&I debt for XXXX X. XXXX XX property

Summary: UW guides maximum DTI of 44.00%, loan qualified with DTI of 36.12%. ; Summary: UW Guides require 12.10 months reserves, loan qualified with 120.54 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000294410

255_374_11312

11312

Credit

DTI Exceeds Guidelines

Guidelines reflect a DTI of 47.00%. Due to a miscalculation of debts to income, the actual DTI is 154.71%. Income  used includes total borrower income $X,XXX.XX plus subject property positive rental income $0.00 plus other REO positive rental income $0.00. Total debt amount used is $X,XXX.XX.

(2021-07-13) Condition cleared

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000294410

255_374_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with  Occupancy,.

(2021-07-13) Condition cleared

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000294855

255_134_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  1 Fraud Report in file Borrower: No CoBorrower: ___ Borrower 3: ___ Borrower 4: ___

(2021-06-11) Lender provided the Third Party Fraud Tool.  All Red Flags were addressed.  Condition Cleared.

Summary: UW Guides require 9.57 months reserves, loan qualified with 13.84 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000294855

255_134_10748

10748

Credit

OFAC Search

The OFAC search was not provided. Borrowers on loan: 1  OFAC search in file:  Borrower: No CoBorrower:___ Borrower 3: ___ Borrower 4: ___

(2021-06-11) Lender provided the Third Party Fraud Tool which included the OFAC Search for the Borrower.  Condition Cleared.

Summary: UW Guides require 9.57 months reserves, loan qualified with 13.84 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000296516

255_152_8673

8673

Credit

Missing Evidence of XXX Dues for REO6

Missing Evidence of XXX Dues for REO6

(2021-06-17) Client provided online documentation verifying property does not contain XXX.  Condition cleared (2021-06-11) Lender provided evidence of XXX for another REO.  Evidence of XXX is required for REO6 (XXXX XXXXXXXXXX XX.).   Condition remains.

Summary: UW Guides require 6.00 months reserves, loan qualified with 278.75 months reserves. ; Summary: Coborrower has 5.92 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000296516

255_152_8676

8676

Credit

Missing Evidence of XXX Dues for REO8

Missing Evidence of XXX Dues for REO8

(2021-06-17) Client provided online document showing no XXX on property - condition cleared (2021-06-11) Lender provided evidence of XXX dues for another REO.  Evidence of XXX fee is required for REO8 (XXXX XXXXXXXXXX XX.). Condition remains.

Summary: UW Guides require 6.00 months reserves, loan qualified with 278.75 months reserves. ; Summary: Coborrower has 5.92 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000296516

255_152_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is above 2.5, No CDA in File, No AVM in file, No Field Review in file

(2021-06-16) Client provided high value AVM - condition cleared

Summary: UW Guides require 6.00 months reserves, loan qualified with 278.75 months reserves. ; Summary: Coborrower has 5.92 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000298484

255_365_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is above 2.5, CDA Not Required, AVM not required, Unknown

(2021-06-28) Client provided a high quality AVM that supports value, condition cleared.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000298550

255_320_1468

1468

Credit

Missing Evidence of XXX Dues for REO1

Missing Evidence of XXX Dues for REO1 Missing XXX Dues for rental property listed on the 1003 for Borrower 1 and Borrower 2.

(2021-06-24) Lender provided Monthly XXX statement showing payment of $XXX.XX, condition cleared.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000299432

255_258_11312

11312

Credit

DTI Exceeds Guidelines

The exception 'DTI Exceeds Guidelines' is cleared. From fields in template: Loan Type ---- Conventional Debt Ratio ---- 43.64 Guideline DTI with Tolerance ---- 45

(2021-07-01) A review of tax records show the property was current and the penalty figure not included. Condition cleared. (2021-06-23) Upon receipt and review of conditions verifying taxes, the overall DTI has increased.  The AUS reflects a maximum allowable DTI of 44.536%.  Due to the improper calculation of debts, the actual DTI is 45.140%.

Summary: Borrower has resided in current property for 8.00 years. ; Summary: UW Guides require 14.58 months reserves, loan qualified with 103.69 months reserves. ; Summary: Borrower has 7.00 years self employed. ; Summary: Primary borrower has 7.00 years in field.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000299432

255_258_18600

18600

Credit

Invalid AUS

The exception 'Invalid AUS' is cleared. From fields in template: How Was Loan Underwritten ---- AUS Assets ---- No CLTV ---- No DTI ---- No FICO ---- No Income ---- No Incorrect Figures ---- No Incorrect Loan Application ---- No LTV ---- No Occupancy ---- No Omission of Debt ---- No Other Debt ---- No Reserves ---- No Subject PITI ---- No Subject Property Address ---- No Wrong Loan Amount ---- No

(2021-07-01) AUS Standards are now met and loan meets TQM standards. (2021-06-24) Upon receipt and review of conditions verifying taxes, the overall DTI has increased.  The AUS reflects a maximum allowable DTI of 44.536%.  Due to the improper calculation of debts, the actual DTI is 45.140%.  With excessive DTI ratio, AUS is invalid - condition is active.

Summary: Borrower has resided in current property for 8.00 years. ; Summary: UW Guides require 14.58 months reserves, loan qualified with 103.69 months reserves. ; Summary: Borrower has 7.00 years self employed. ; Summary: Primary borrower has 7.00 years in field.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000299432

255_258_1451

1451

Credit

Missing Evidence of Property Taxes for Primary Residence

Missing Evidence of Property Taxes for Primary Residence

(2021-06-23) Lender provided evidence of property taxes for primary residence, as well as an explanation (page 589) regarding the connection between REO1 and primary.  Documentation submitted is deemed acceptable. Condition cleared.

Summary: Borrower has resided in current property for 8.00 years. ; Summary: UW Guides require 14.58 months reserves, loan qualified with 103.69 months reserves. ; Summary: Borrower has 7.00 years self employed. ; Summary: Primary borrower has 7.00 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000299432

255_258_12429

12429

Credit

Missing Evidence of Property Taxes for REO3

Evidence of property taxes for property 3  on the final application not provided.

(2021-06-23) Lender provided evidence of Property Taxes for REO3. Documentation submitted is deemed acceptable. Condition cleared.

Summary: Borrower has resided in current property for 8.00 years. ; Summary: UW Guides require 14.58 months reserves, loan qualified with 103.69 months reserves. ; Summary: Borrower has 7.00 years self employed. ; Summary: Primary borrower has 7.00 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000299432

255_258_1470

1470

Credit

Missing Evidence that Primary Residence is Owned Free and Clear

Missing Evidence that Primary Residence is Owned Free and Clear

(2021-06-23) Lender provided evidence of free and clear status for the primary residence, as well as an explanation (page 589) regarding the connection between REO1 and primary.  Documentation submitted is deemed acceptable. Condition cleared.

Summary: Borrower has resided in current property for 8.00 years. ; Summary: UW Guides require 14.58 months reserves, loan qualified with 103.69 months reserves. ; Summary: Borrower has 7.00 years self employed. ; Summary: Primary borrower has 7.00 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000299432

255_258_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS). Loan is failing to meet Temporary Qualified Mortgage (TQM) due to missing taxes and P&I payment for primary residence. Also missing taxes for REO XXXXX XXXXXXXXX XXXXXX XXXXXXXXXX XX. Additional conditions may apply.

(2021-07-01) AUS Standards are now met and loan meets TQM standards. (2021-06-24) Upon receipt and review of conditions verifying taxes, the overall DTI has increased.  The AUS reflects a maximum allowable DTI of 44.536%.  Due to the improper calculation of debts, the actual DTI is 45.140%.      AUS fails to meet guidelines because of excessive DTI - condition is active.

Summary: Borrower has resided in current property for 8.00 years. ; Summary: UW Guides require 14.58 months reserves, loan qualified with 103.69 months reserves. ; Summary: Borrower has 7.00 years self employed. ; Summary: Primary borrower has 7.00 years in field.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000299778

255_101_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is Missing, No CDA in File, No AVM in file, Field Review not required

(2021-06-16) Client provided high value AVM - condition cleared

Summary: UW Guides require 6.00 months reserves, loan qualified with 37.19 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000301711

255_201_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  2 Fraud Report in file Borrower: No CoBorrower: No Borrower 3: ___ Borrower 4: ___

(2021-06-21) Lender provided an acceptable fraud report. Condition is cleared.

Summary: Borrower has resided in current property for 4.00 years. ; Summary: UW Guides require 8.11 months reserves, loan qualified with 240.55 months reserves. ; Summary: Coborrower has 31.60 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000301711

255_201_10748

10748

Credit

OFAC Search

The OFAC search was not provided. Borrowers on loan: 2  OFAC search in file:  Borrower: No CoBorrower:No Borrower 3: ___ Borrower 4: ___

(2021-06-21) Lender provided a clear OFAC search.  Condition is cleared.

Summary: Borrower has resided in current property for 4.00 years. ; Summary: UW Guides require 8.11 months reserves, loan qualified with 240.55 months reserves. ; Summary: Coborrower has 31.60 years in field.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000301711

255_201_15997

15997

Credit

Required Documentation is Missing

The loan file is missing evidence of P&I payment for property located at XXXX XXXXXXXXX XXXXX.  Borrower recently obtained new mortgage for property in the amount of $XXX,XXX.  Additional conditions may apply.

(2021-06-30) CD provided is acceptable and cleared the condition. (2021-06-28) Lender provided the required CD for a second time.  However, guidelines require an executed copy of the CD or an executed note.  Condition remains. (2021-06-22) Lender provided the required CD.  However, guidelines require an executed copy of the CD or an executed note.  Condition remains. (2021-06-22) Client provided XXXXXXXXXX and OFAC proof, but did not address missing evidence of P&I payment for property located at XXXX XXXXXXXXX XXXXX.  Borrower recently obtained new mortgage for property in the amount of $XXX,XXX. (2021-06-18) The loan file is missing evidence of P&I payment for property located at XXXX XXXXXXXXX XXXXX.  Borrower recently obtained new mortgage for property in the amount of $XXX,XXX.  Additional conditions may apply.

Summary: Borrower has resided in current property for 4.00 years. ; Summary: UW Guides require 8.11 months reserves, loan qualified with 240.55 months reserves. ; Summary: Coborrower has 31.60 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000302674

255_150_932

932

Credit

Missing AUS results

Missing AUS results. Additional conditions may apply.

(2021-06-17) Client provided valid AUS - condition cleared.

Summary: Borrower has 8.30 years self employed. ; Summary: UW Guides require 26.92 months reserves, loan qualified with 77.95 months reserves. ; Summary: Primary borrower has 8.30 years in field.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000302674

255_150_18249

18249

Credit

Missing Evidence of Self Employment - Borrower 1 S Corporation

Borrower 1 is self-employed and is missing verification of self-employment dated within 10 prior to the Note date on the S corporation listed in position 1 on the application.  Documentation Requirements: Allow CPA Letter or Business License or other valid verification.  Status of possible documentation for verification of self-employment:  CPA letter is Not in File, Business license is dated more than the maximum allowable days prior to the Note date, Other verification is Not in File.  The note date is XX/XX/XXXX.   There is no evidence indicating the loan had been delivered to the XXX. ___ Evidence business is open and operating within 10 business days of the Note date is missing for business listed in position 1 on the final application; as required per updated guidelines due to COVID.

(2021-06-17) Client provided verification of self-employment document dated XX/XX/XXXX - condition cleared

Summary: Borrower has 8.30 years self employed. ; Summary: UW Guides require 26.92 months reserves, loan qualified with 77.95 months reserves. ; Summary: Primary borrower has 8.30 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000302674

255_150_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is above 2.5, No CDA in File, No AVM in file, Field Review not required

(2021-06-16) Client provided high value AVM - condition cleared

Summary: Borrower has 8.30 years self employed. ; Summary: UW Guides require 26.92 months reserves, loan qualified with 77.95 months reserves. ; Summary: Primary borrower has 8.30 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000302800

255_299_15997

15997

Credit

Required Documentation is Missing

The loan file is missing evidence of new P&I payments and documentation to support omission of mortgage debts associated with REO #2 (Primary), REO #4, REO #5 and REO#6 as required on AUS.    Additional conditions may apply.

(2021-06-21) Lender provided final CDs for Prim #2, and REOS #4,#5, #6. condition cleared.

Summary: Coborrower has 11.25 years in field. ; Summary: Borrower has resided in current property for 7.00 years. ; Summary: UW Guides require 19.08 months reserves, loan qualified with 56.96 months reserves. ; Summary: Refinance reduces rate from 4.88% to 3.25%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000304077

255_135_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is above 2.5, No CDA in File, No AVM in file, Field Review not required

(2021-06-16) Client provided high value AVM - condition cleared

Summary: UW Guides require 6.00 months reserves, loan qualified with 144.40 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000304228

255_207_15997

15997

Credit

Required Documentation is Missing

The loan file is missing verification of debt for the new mortgage on XXXX XXXXXXX XXX and new mortgage on XXXX X XXXXXXXXXX XXX required per the AUS.  The loan file is also missing documentation to support the omission of the following debts required per AUS:  XXXXXXXX XXXX, XXX XXXXXX XXXXXXXX, XXXX, XXXXXXXX XXXXXXXXX, XXXX XX XXXXXXX, XXX XXXXX XXXXXX, XXX, and XXX XXX-XXXXXXXXXX.  Additional conditions may apply.

(2021-06-14) Lender provided Final CD for XXXX X XXXXXXXXXX XXX, which also showed the payoff of XXXXX XXXXXX, XXX as the Mortgage, and Final CD for XXXX XXXXXXX XXX, which included the payoffs of XXXXXXXX XXXX, XXX XXXXXX XXXXXXXX, XXXX, XXXXXXXX XXXXXXXXX, XXXX XX XXXXXXX,  and XXX XXX-XXXXXXXXXX-Mortgage, condition cleared.

Summary: UW Guides require 10.79 months reserves, loan qualified with 45.19 months reserves. ; Summary: Primary borrower has 13.00 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000304228

255_207_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS). Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due missing verification of debt for the new mortgage on XXXX XXXXXXX XXX and new mortgage on XXXX X XXXXXXXXXX XXX required per the AUS.  The loan file is also missing documentation to support the omission of the following debts required per AUS:  XXXXXXXX XXXX, XXX XXXXXX XXXXXXXX, XXXX, XXXXXXXX XXXXXXXXX, XXXX XX XXXXXXX, XXX XXXXX XXXXXX, XXX, and XXX XXX-XXXXXXXXXX.

(2021-06-14) AUS Standards are now met and loan meets TQM standards. (2021-06-14) Lender provided Final CD for XXXX X XXXXXXXXXX XXX, which also showed the payoff of XXXXX XXXXXX, XXX as the Mortgage, and Final CD for XXXX XXXXXXX XXX, which included the payoffs of XXXXXXXX XXXX, XXX XXXXXX XXXXXXXX, XXXX, XXXXXXXX XXXXXXXXX, XXXX XX XXXXXXX,  and XXX XXX-XXXXXXXXXX-Mortgage, condition cleared.

Summary: UW Guides require 10.79 months reserves, loan qualified with 45.19 months reserves. ; Summary: Primary borrower has 13.00 years in field.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000304910

255_149_18249

18249

Credit

Missing Evidence of Self Employment - Borrower 1 S Corporation

Borrower 1 is self-employed and is missing verification of self-employment dated within 10 prior to the Note date on the S corporation listed in position 1 on the application.  Documentation Requirements: Allow CPA Letter or Business License or other valid verification.  Status of possible documentation for verification of self-employment:  CPA letter is Not in File, Business license is Not in File, Other verification is Not in File.  The note date is X/XX/XXXX.   There is no evidence indicating the loan had been delivered to the GSE. ___ Evidence business is open and operating within 20 business days of the Note date is missing for business listed in position 1 on the final application; as required per updated guidelines due to COVID.

(2021-06-17) Client provided verbal verification of self-employed business X/XX/XX.  Condition cleared (2021-06-11) Lender provided a XX Secretary of State internet verification of the S Corp, dated XX/XX/XXXX.  AUS COVID overlay guidelines require verification of  business dated within 10 days of closing date.   Condition remains.

Summary: Borrower has 18.10 years self employed. ; Summary: Primary borrower has 18.00 years in field. ; Summary: UW Guides require 10.80 months reserves, loan qualified with 172.27 months reserves. ; Summary: UW guides maximum DTI of 45.00%, loan qualified with DTI of 36.57%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000304910

255_149_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is above 2.5, No CDA in File, No AVM in file, Field Review not required

(2021-06-16) Client provided high value AVM - condition cleared

Summary: Borrower has 18.10 years self employed. ; Summary: Primary borrower has 18.00 years in field. ; Summary: UW Guides require 10.80 months reserves, loan qualified with 172.27 months reserves. ; Summary: UW guides maximum DTI of 45.00%, loan qualified with DTI of 36.57%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000305683

255_209_1555

1555

Credit

Assets are not sourced/seasoned

There is at least one account on the final application that has no source.  Liquid assets with no source/seasoning: 0.00 Retirement assets with no source/seasoning: 0.00 Purchase Deposits with no source: 0.00 Details: ___

(2021-07-13) Condition cleared

Summary: UW Guides require 10.02 months reserves, loan qualified with 31.79 months reserves. ; Summary: Primary borrower has 9.00 years in field. ; Summary: Refinance reduces rate from 4.00% to 3.25%. ; Summary: Refinance reduces total housing payment by  $-XXXX.XX.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000305683

255_209_1126

1126

Credit

CLTV exceeds guidelines

Lender guidelines requires a maximum CLTV of 29.47%.  However, the current CLTV of the subject is 29.47%. The appraisal or sales price value used was $XXXXXX.XX having a loan purpose of  Refinance-Term.

(2021-07-13) Condition Cleared

Summary: UW Guides require 10.02 months reserves, loan qualified with 31.79 months reserves. ; Summary: Primary borrower has 9.00 years in field. ; Summary: Refinance reduces rate from 4.00% to 3.25%. ; Summary: Refinance reduces total housing payment by  $-XXXX.XX.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000305683

255_209_11547

11547

Credit

Insufficient Reserves

The exception 'Insufficient Reserves' is cleared. From fields in template: Loan Type ---- Conventional Remaining Reserves (Months) ---- 21.7675325525093 AUS/Guideline Reserves Required (Months) ---- 10.0175619969901

(2021-07-13) Condition cleared (2021-06-23) Invalid finding. Finding rescinded.

Summary: UW Guides require 10.02 months reserves, loan qualified with 31.79 months reserves. ; Summary: Primary borrower has 9.00 years in field. ; Summary: Refinance reduces rate from 4.00% to 3.25%. ; Summary: Refinance reduces total housing payment by  $-XXXX.XX.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000305683

255_209_18600

18600

Credit

Invalid AUS

The exception 'Invalid AUS' is cleared. From fields in template: How Was Loan Underwritten ---- AUS Assets ---- No CLTV ---- No DTI ---- No FICO ---- No Income ---- No Incorrect Figures ---- No Incorrect Loan Application ---- No LTV ---- No Occupancy ---- No Omission of Debt ---- No Other Debt ---- No Reserves ---- No Subject PITI ---- No Subject Property Address ---- No Wrong Loan Amount ---- No

(2021-07-13) Condition cleared (2021-06-23) Invalid finding. Finding rescinded.

Summary: UW Guides require 10.02 months reserves, loan qualified with 31.79 months reserves. ; Summary: Primary borrower has 9.00 years in field. ; Summary: Refinance reduces rate from 4.00% to 3.25%. ; Summary: Refinance reduces total housing payment by  $-XXXX.XX.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000305683

255_209_1120

1120

Credit

LTV exceeds guidelines

Lender guidelines requires a maximum LTV of 29.47%.  However, the current LTV of the subject is 29.47%. The appraisal or sales price value used was $XXXXXX.XX  having a loan purpose of  Refinance-Term.

(2021-07-13) Condition Cleared

Summary: UW Guides require 10.02 months reserves, loan qualified with 31.79 months reserves. ; Summary: Primary borrower has 9.00 years in field. ; Summary: Refinance reduces rate from 4.00% to 3.25%. ; Summary: Refinance reduces total housing payment by  $-XXXX.XX.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000305740

255_210_18249

18249

Credit

Missing Evidence of Self Employment - Borrower 1 S Corporation

Borrower 1 is self-employed and is missing verification of self-employment dated within 10 prior to the Note date on the S corporation listed in position 1 on the application.  Documentation Requirements: Allow CPA Letter or Business License or other valid verification.  Status of possible documentation for verification of self-employment:  CPA letter is Not in File, Business license is dated more than the maximum allowable days prior to the Note date, Other verification is Not in File.  The note date is X/XX/XXXX.   There is no evidence indicating the loan had been delivered to the GSE. ___ Evidence business is open and operating within 10 business days of the Note date is missing for business listed in position 2 on the final application; as required per updated guidelines due to COVID.

(2021-06-14) Lender provided updated Business License dated XX/XX/XX, deemed acceptable, condition cleared.

Summary: Primary borrower has 7.50 years in field. ; Summary: Borrower has resided in current property for 5.00 years. ; Summary: Refinance reduces total housing payment by  $-XXXX.XX.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000305740

255_210_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS). Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to missing evidence business is open and operating within 10 business days of the Note date.

(2021-06-14) AUS Standards are now met and loan meets TQM standards. (2021-06-14) Lender provided updated Business License dated XX/XX/XX, deemed acceptable, condition cleared.

Summary: Primary borrower has 7.50 years in field. ; Summary: Borrower has resided in current property for 5.00 years. ; Summary: Refinance reduces total housing payment by  $-XXXX.XX.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000305740

255_210_17454

17454

Compliance

RESPA: AfBA Disclosure from Broker is Missing or Incomplete

RESPA: AfBA Disclosure from Broker is Missing This finding is non-material and will be rated a B grade.

(2021-07-13) condition graded as B level

Summary: Primary borrower has 7.50 years in field. ; Summary: Borrower has resided in current property for 5.00 years. ; Summary: Refinance reduces total housing payment by  $-XXXX.XX

Active

2

2

B

B

B

B

B

B

B

B

B

B

Yes

0000305958

255_130_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is above 2.5, No CDA in File, No AVM in file, Field Review not required

(2021-06-07) CDA provided by lender supports value, condition cleared.

Summary: UW Guides require 8.13 months reserves, loan qualified with 18.41 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000305958

255_130_1818

1818

Credit

Missing Trust Documentation

Missing Trust Documentation The Certification of Trust in file is not signed by the borrowers.

(2021-06-15) Trust documentation provided

(2021-06-15) Client provided trust documentation

Summary: UW Guides require 8.13 months reserves, loan qualified with 18.41 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000306071

255_398_1466

1466

Credit

Missing Evidence of XXX Dues for Primary Residence

Missing Evidence of XXX Dues for Primary Residence The final Application had a total mortgage payment for the primary residence  higher than the mortgage statement had. Unable to verify if the subject property has a XXX fee.

(2021-07-06) Lender provided an REO Property Profile Report which does not classify property as a XXX.  Condition is cleared. (2021-06-25) Lender provided a XXXXXXXX XXXX mortgage statement.  However, evidence of XXX dues for primary residence is required.  Condition remains. (2021-06-14) The final Application had a total mortgage payment for the primary residence  higher than the mortgage statement had. Unable to verify if the subject property has a XXX fee.

Summary: UW Guides require 5.99 months reserves, loan qualified with 11.97 months reserves. ; Summary: Primary borrower has 16.00 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000306071

255_398_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is above 2.5, No CDA in File, No AVM in file, Field Review not required

(2021-06-24) CDA is acceptable.  Condition is cleared.

Summary: UW Guides require 5.99 months reserves, loan qualified with 11.97 months reserves. ; Summary: Primary borrower has 16.00 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000306197

255_298_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  1 Fraud Report in file Borrower: No CoBorrower: ___ Borrower 3: ___ Borrower 4: ___

(2021-06-21) Lender provided an acceptable fraud report.  Condition is cleared.

Summary: UW Guides require 6.00 months reserves, loan qualified with 107.28 months reserves. ; Summary: Primary borrower has 22.08 years in field. ; Summary: Borrower has 22.08 years self employed. ; Summary: Refinance reduces rate from 4.38% to 3.38%. ; Summary: Refinance reduces total housing payment by  $-XXXX.XX.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000306451

255_334_11312

11312

Credit

DTI Exceeds Guidelines

Guidelines reflect a DTI of 7.00%. Due to a miscalculation of debts to income, the actual DTI is 17.72%. Income  used includes total borrower income $XXXX.XX plus subject property positive rental income $XXX.XX plus other REO positive rental income $0.00. Total debt amount used is $XXXX.XX.

(2021-07-06) Client provided documentation - condition cleared (2021-06-29) Guidelines reflect a DTI of 7.00%. Due to a miscalculation of debts to income, the actual DTI is 17.72%. Income  used includes total borrower income $XXXX.XX plus subject property positive rental income $XXX.XX plus other REO positive rental income $0.00. Total debt amount used is $XXXX,XX, condition remains.

Summary: Borrower has resided in current property for 16.42 years. ; Summary: UW Guides require 12.41 months reserves, loan qualified with 91.94 months reserves. ; Summary: Primary borrower has 14.30 years in field. ; Summary: Refinance reduces rate from 4.88% to 3.38%. ; Summary: Borrower has 14.30 years self employed.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000306451

255_334_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to ___ if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI, Income,.

(2021-07-09) Client provided documentation to resolve. Condition cleared.

Summary: Borrower has resided in current property for 16.42 years. ; Summary: UW Guides require 12.41 months reserves, loan qualified with 91.94 months reserves. ; Summary: Primary borrower has 14.30 years in field. ; Summary: Refinance reduces rate from 4.88% to 3.38%. ; Summary: Borrower has 14.30 years self employed.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000306451

255_334_932

932

Credit

Missing AUS results

Missing AUS results.

(2021-07-06) Client provided adequate documentation - condition cleared (2021-06-29) Lender provided AUS/LP shows accept/eligible, condition cleared.

Summary: Borrower has resided in current property for 16.42 years. ; Summary: UW Guides require 12.41 months reserves, loan qualified with 91.94 months reserves. ; Summary: Primary borrower has 14.30 years in field. ; Summary: Refinance reduces rate from 4.88% to 3.38%. ; Summary: Borrower has 14.30 years self employed.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000306451

255_334_1454

1454

Credit

Missing Evidence of Insurance for Primary Residence

Missing Evidence of Insurance for Primary Residence

(2021-06-29) Based on the property details for the taxes the property owned by spouse, and based on the final application, borrower stated no primary expenses, condition cleared.

Summary: Borrower has resided in current property for 16.42 years. ; Summary: UW Guides require 12.41 months reserves, loan qualified with 91.94 months reserves. ; Summary: Primary borrower has 14.30 years in field. ; Summary: Refinance reduces rate from 4.88% to 3.38%. ; Summary: Borrower has 14.30 years self employed.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000306451

255_334_5129

5129

Credit

Missing Evidence that REO3 Property is Owned Free and Clear

Missing Evidence that REO3 Property is Owned Free and Clear Missing evidence that REO 3 Property is owned Free and Clear.

(2021-07-09) Lender provided Taxes and insurance for REO #4 located XXXX XXXXXX XX #XXX, further review of credit report and mortgage interest per SCH E, definitely shows the property is free and clear, condition cleared. (2021-06-29) Lender provided Taxes and insurance for REO #4 located XXXX XXXXXX XX #XXX, further review of credit report and mortgage interest per SCH E, definitely shows the property is free and clear, condition cleared.

Summary: Borrower has resided in current property for 16.42 years. ; Summary: UW Guides require 12.41 months reserves, loan qualified with 91.94 months reserves. ; Summary: Primary borrower has 14.30 years in field. ; Summary: Refinance reduces rate from 4.88% to 3.38%. ; Summary: Borrower has 14.30 years self employed.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000306451

255_334_5135

5135

Credit

Missing Evidence that REO6 Property is Owned Free and Clear

Missing Evidence that REO6 Property is Owned Free and Clear Missing evidence that REO 6 Property is owned Free and Clear.

(2021-07-06) Client provided proof of F & C on property.  Condition cleared (2021-06-29) Lender provided LP, Final CD for REO #3, Taxes and HOI for # REO 4, and HOI for #7, still need proof REO #7 located at XXXX XXXXXXX XXX is free and clear, condition remains.

Summary: Borrower has resided in current property for 16.42 years. ; Summary: UW Guides require 12.41 months reserves, loan qualified with 91.94 months reserves. ; Summary: Primary borrower has 14.30 years in field. ; Summary: Refinance reduces rate from 4.88% to 3.38%. ; Summary: Borrower has 14.30 years self employed.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000306451

255_334_15997

15997

Credit

Required Documentation is Missing

Missing documentation to support omission of debt and evidence of PITI for REO# 2 and REO #3 reflected on the final application.

(2021-07-06) Client provided required documentation - condition cleared (2021-06-29) Lender provided Final CD for REO #3 located at XXXXX XXXXX XXXXXX. Still need documentation to support omission of debt on REO #2 located XXXXX XXXXXXXXXX.  Condition still active (2021-06-28) Missing documentation to support omission of debt and evidence of PITI for REO# 2 (XXXXX XXXXXXXXXX) and REO #3 (XXXXX XXXXX XX) reflected on the final application.

Summary: Borrower has resided in current property for 16.42 years. ; Summary: UW Guides require 12.41 months reserves, loan qualified with 91.94 months reserves. ; Summary: Primary borrower has 14.30 years in field. ; Summary: Refinance reduces rate from 4.88% to 3.38%. ; Summary: Borrower has 14.30 years self employed.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000308674

255_215_11312

11312

Credit

DTI Exceeds Guidelines

Guidelines reflect a DTI of 47.00%. Due to a miscalculation of debts to income, the actual DTI is 48.05%. Income  used includes total borrower income $XXXX.XX plus subject property positive rental income $0.00 plus other REO positive rental income $0.00. Total debt amount used is $XXXX.XX. The lender failed to include the subject  homeowner's insurance payment of $XX.XX in the total debt load.

(2021-06-30) condition cleared (2021-06-28) Lender provided a CD from the refi of the borrower's primary residence showing debt payoffs.  All debts showing paid were omitted from audit calculations.  As such, the condition remains active, as shown below. Lender file contained an HOI declarations page with a monthly premium of $XX.XX.  This debt was not included in Lender calculations at origination. The AUS reflects a maximum allowable DTI of 47%.  Due to the improper calculation of debts, the actual DTI is 48.05%. (2021-06-22) Lender file contained an HOI declarations page with a monthly premium of $XX.XX.  This debt was not included in Lender calculations at origination. The AUS reflects a maximum allowable DTI of 47%.  Due to the improper calculation of debts, the actual DTI is 48.05%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000308674

255_215_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI, Subject PITI,. The most recent AUS in file reflects DTI of 47.00%, when actual DTI is 48.050%.  The Lender did not include the subject HOI payment in the total debt load.

(2021-06-30) condition cleared

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000308674

255_215_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS). Loan does not meet criteria for Temporary Qualified Mortgage due to inaccurate PITI payment on subject property causing DTI to exceeds Agency guidelines.

(2021-06-30) AUS Standards are now met and loan meets TQM standards. (2021-06-30) condition cleared

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000308674

255_215_17453

17453

Compliance

Temporary Qualified Mortgage Points & Fees Failure

This loan's points and fees exceed the qualified mortgage points and fees threshold. A qualified mortgage is a covered transaction that limits the points and fees charged at consummation to a specific percentage or flat dollar amounts dependent upon the mortgage's total loan amount.

(2021-07-07) Lender provided Loan Detail Report which confirmed business purpose loan and par rate. (2021-07-06) $X,XXX.XX > $X,XXX.XX, the maximum points and fees allowed under QM, by $X,XXX.XX. When discount points are involved, the lender can try to prove they are bona fide. To verify bona fide discount points, we will need the rate sheet, PAR, or some form of proof that verifies the amount the borrower paid in points directly led to a discount in rate. Lender to provide Loan Detail Report from Doc Magic for review. (2021-06-22) $X,XXX.XX > $X,XXX.XX, the maximum points and fees allowed under QM, by $X,XXX.XX. When discount points are involved, the lender can try to prove they are bona fide. To verify bona fide discount points, we will need the rate sheet, PAR, or some form of proof that verifies the amount the borrower paid in points directly led to a discount in rate.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000309195

255_105_11312

11312

Credit

DTI Exceeds Guidelines

Guidelines reflect a DTI of 45.00%. Due to a miscalculation of debts to income, the actual DTI is 45.95%. Income  used includes total borrower income $XXXX.XX plus subject property positive rental income $0.00 plus other REO positive rental income $XXXX.XX. Total debt amount used is $XXXX.XX. It appears the loan was submitted to LP with OREO postive net rental income of $X,XXX.XX, however, the audit calculates net rental income of $X,XXX.XX which matches the 1008 in file.

(2021-06-15) Updated AUS provided

(2021-06-15) DTI condition rescinded

Summary: UW Guides require 12.26 months reserves, loan qualified with 83.92 months reserves.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000309195

255_105_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI,. DTI exceeds guidelines

(2021-06-15) Updated AUS provided

(2021-06-15) Client provided updated AUS - condition cleared

Summary: UW Guides require 12.26 months reserves, loan qualified with 83.92 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000309195

255_105_8722

8722

Credit

Missing Evidence of Insurance for REO6

Missing Evidence of Insurance for property 7 on final application Evidence of Insurance for property 3g on the final application not provided.

(2021-06-09) Lender provided acceptable evidence of HOI for REO6.  Condition is cleared.

Summary: UW Guides require 12.26 months reserves, loan qualified with 83.92 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000309195

255_105_5137

5137

Credit

Missing Evidence of Property Taxes for REO6

Evidence of property taxes for property 7  on the final application not provided. Evidence of property taxes for property 3g on the final application not provided.

(2021-06-09) Lender provided acceptable evidence of taxes for REO6.  Condition is cleared.

Summary: UW Guides require 12.26 months reserves, loan qualified with 83.92 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000309195

255_105_15997

15997

Credit

Required Documentation is Missing

Evidence of newly obtained P & I for Property 3g on the final application not provided.

(2021-06-15) PITI information for property 3 provided

(2021-06-15) client provided PITI information for property 3 - condition cleared

Summary: UW Guides require 12.26 months reserves, loan qualified with 83.92 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000309340

255_106_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with  Wrong Loan Amount,. The loan was submitted to DU with the incorrect loan amount.

(2021-06-07) Condition cleared

Summary: Primary borrower has 28.50 years in field. ; Summary: UW Guides require 11.23 months reserves, loan qualified with 412.32 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000309340

255_106_1100

1100

Credit

Loan amount less than guideline minimum

Lender guidelines allow a minimum loan amount of $XXXXXX.XX , per the loan approval and Note, the subject loan amount is $XXXXXX.XX The loan was submitted to DU with a loan amount of $XXX,XXX, however, per the Note the loan amount is $XXX,XXX.

(2021-06-07) Condition Cleared

Summary: Primary borrower has 28.50 years in field. ; Summary: UW Guides require 11.23 months reserves, loan qualified with 412.32 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000309340

255_106_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is above 2.5, No CDA in File, No AVM in file, Field Review not required

(2021-06-16) Client provided high value AVM - condition cleared

Summary: Primary borrower has 28.50 years in field. ; Summary: UW Guides require 11.23 months reserves, loan qualified with 412.32 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000309600

255_251_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is above 2.5, No CDA in File, No AVM in file, No Field Review in file

(2021-06-15) Lender provided an acceptable CDA.  Condition is cleared.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000309600

255_251_17453

17453

Compliance

Temporary Qualified Mortgage Points & Fees Failure

This loan's points and fees exceed the qualified mortgage points and fees threshold. A qualified mortgage is a covered transaction that limits the points and fees charged at consummation to a specific percentage or flat dollar amounts dependent upon the mortgage's total loan amount.

(2021-07-06) Lender provided Loan Detail Report.  Condition is cleared. (2021-06-24) $X,XXXX.XX > $X,XXX.XX, the maximum points and fees allowed under XX, by $XXX.XX. When discount points are involved, the lender can try to prove they are bona fide. To verify bona fide discount points, we will need the rate sheet, PAR, or some form of proof that verifies the amount the borrower paid in points directly led to a discount in rate.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000310039

255_170_1468

1468

Credit

Missing Evidence of XXX Dues for REO1

Missing Evidence of XXX Dues for REO1 Missing evidence of XXX Dues for XXXX XXXXX XXXX XXXX.

(2021-06-16) Client provided CD with verification of XXX fee for REO1 - condition cleared

Summary: Coborrower has 18.10 years in field. ; Summary: UW Guides require 9.66 months reserves, loan qualified with 91.32 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000310039

255_170_1456

1456

Credit

Missing Evidence of Insurance for REO1

Missing Evidence of Insurance for property 2 on final application Missing evidence of Insurance for XXXX XXXXX XXXX XXXX.

(2021-06-11) Lender provided Final CD to show newly P&I payment with only taxes and XXX collected, no HOI is not needed,  condiiton cleared

Summary: Coborrower has 18.10 years in field. ; Summary: UW Guides require 9.66 months reserves, loan qualified with 91.32 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000310039

255_170_1453

1453

Credit

Missing Evidence of Property Taxes for REO1

Evidence of property taxes for property 2  on the final application not provided. Missing evidence of Property Taxes for XXXX XXXXX XXXX XXXX.

(2021-06-11) Lender provided Final CD to show newly P&I payment with only taxes and XXX collected, condiiton cleared

Summary: Coborrower has 18.10 years in field. ; Summary: UW Guides require 9.66 months reserves, loan qualified with 91.32 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000310039

255_170_870

870

Credit

Missing Hazard Insurance Declaration

A hazard insurance declaration for this subject property was not provided.

(2021-06-11) Hazard insurance indicator is Present (2021-06-11) Lender provided Blanket policy, which shows wall in coverage of the property with no HOI, which is supported by final CD, which shows only XXX and Taxes, condition cleared.

Summary: Coborrower has 18.10 years in field. ; Summary: UW Guides require 9.66 months reserves, loan qualified with 91.32 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000310039

255_170_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is above 2.5, No CDA in File, No AVM in file, No Field Review in file

(2021-06-16) client provided CDA report - condition cleared

Summary: Coborrower has 18.10 years in field. ; Summary: UW Guides require 9.66 months reserves, loan qualified with 91.32 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000310039

255_170_15997

15997

Credit

Required Documentation is Missing

Missing evidence of newly obtained P & I for XXXX XXXXX XXXX XXXX.

(2021-06-11) Lender provided Final CD to show newly P&I payment with only taxes and XXX collected, condition cleared. (2021-06-10) Missing evidence of newly obtained P & I for XXXX XXXXX XXXX XXXX.

Summary: Coborrower has 18.10 years in field. ; Summary: UW Guides require 9.66 months reserves, loan qualified with 91.32 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000310811

255_333_1472

1472

Credit

Borrower's financed properties exceed guideline maximum

A borrower is not eligible for financing if they currently have 6 financed properties.  Per the schedule of real estate owned, the borrower(s) currently (has/have) 7 financed properties, which makes them ineligible for financing.

(2021-07-09) Client provided documentation to resolve. Condition cleared.

Summary: UW Guides require 21.42 months reserves, loan qualified with 166.89 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000310811

255_333_11312

11312

Credit

DTI Exceeds Guidelines

The exception 'DTI Exceeds Guidelines' is cleared. From fields in template: Loan Type ---- Conventional Debt Ratio ---- 7.5 Guideline DTI with Tolerance ---- 10

(2021-07-06) Client provided CD for new refinance - condition cleared (2021-06-24) Guidelines reflect a DTI of 25.02%.  Due to a miscalculation of debts to income, the actual DTI is 29.22%.  Income used includes total borrower income of $X,XXX.XX plus subject property positive rental income $X,XXX.XX plus Other REO positive rental income $0.00.  Total debt amount used is $X,XXX.XX. Review of Lender's rental income worksheet determined that an insufficient PITIA was used to qualify XXXXXXXXX XX, with audit PITIA at $X,XXX.XX versus lender $X,XXX.XX.  In addition, XXXXXXXX XXX was qualified by lender using $X,XXX.XX.   Documentation is required to verify that $X,XXX.XX is PITIA and not just P&I. Condition remains. (2021-06-23) Need verification of rental income for XXXX XXXXXXXXX XX (REO 4) to update DTI calculation

Summary: UW Guides require 21.42 months reserves, loan qualified with 166.89 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000310811

255_333_11317

11317

Credit

DTI Exceeds Guidelines (FHA)

Guidelines reflect a DTI of 7.00%. Due to a miscalculation of debts to income, the actual DTI is 35.60%. Income  used includes total borrower income $X,XXX.XX plus subject property positive rental income $X,XXX.XX plus other REO positive rental income $0.00. Total debt amount used is $X,XXX.XX.

(2021-07-09) Client provided documentation to resolve. Condition cleared.

Summary: UW Guides require 21.42 months reserves, loan qualified with 166.89 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000310811

255_333_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with  LTV, CLTV,.

(2021-07-06) Condition cleared (2021-06-23) Need verification of rental income for XXXX XXXXXXXXX XX (REO 4) - to update DTI to make AUS valid

Summary: UW Guides require 21.42 months reserves, loan qualified with 166.89 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000310811

255_333_15997

15997

Credit

Required Documentation is Missing

The file is missing evidence of rental income for property #5. The 1003 shows and additional $X,XXX.XX in rental income. However, this information is missing from file.

(2021-07-06) Client provided required documentation - condition cleared (2021-06-24) The loan file is missing verification of the two new XXX loans with a balance of $XXX,XXX on XXXXX XXXXXXXXXX XX and a balance of $XXX,XXX on XXXX XXXXXXXX XXX.  The loan file is also missing documentation to support omission of XXXX XXXX, balance $XXX,XXX, XXXX XXXX XXXXXXX, balance $XXX,XXX, and XXXXX XXXXX XX XXXXXXXX, balance $XXX,XXX required per the AUS.  Additional conditions may apply. Review of Lender's rental income worksheet determined that an insufficient PITIA was used to qualify XXXXXXXXX XX, with audit PITIA at $X,XXX.XX versus lender $X,XXX.XX.  In addition, XXXXXXXX XXX was qualified by lender using $X,XXX.XX.   Documentation is required to verify that $X,XXX.XX is PITIA and not just P&I. (2021-06-23) Need verification of rental income for XXXX XXXXXXXXX XX (REO 4)

Summary: UW Guides require 21.42 months reserves, loan qualified with 166.89 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000310811

255_333_-96366

-96366

Compliance

Charges That Cannot Increase Test

This loan passed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that do not exceed the good faith determination according to §1026.19(e)(3)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).

(2021-07-13) Condition Rescinded

Summary: UW Guides require 21.42 months reserves, loan qualified with 166.89 months reserves.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000310811

255_333_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS).

(2021-07-02) AUS Standards are now met and loan meets TQM standards. (2021-07-02) AUS Standards are now met and loan meets TQM standards.

Summary: UW Guides require 21.42 months reserves, loan qualified with 166.89 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000310811

255_333_-96362

-96362

Compliance

Reimbursement Amount Test

This loan passed the reimbursement amount test.  (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX.XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $0.00.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation.

(2021-07-13) Condition Rescinded

Summary: UW Guides require 21.42 months reserves, loan qualified with 166.89 months reserves.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000311894

255_406_5132

5132

Credit

Missing Evidence that REO5 Property is Owned Free and Clear

Missing Evidence that REO5 Property is Owned Free and Clear

(2021-06-30) Lender provided an HOI with no mortgagee listed.  Condition is cleared.

Summary: Borrower has resided in current property for 5.00 years. ; Summary: Refinance reduces total housing payment by  $-X,XXX.XX.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000311894

255_406_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  2 Fraud Report in file Borrower: No CoBorrower: ___ Borrower 3: ___ Borrower 4: ___

(2021-06-30) Lender provided an acceptable fraud report.  Condition is cleared.

Summary: Borrower has resided in current property for 5.00 years. ; Summary: Refinance reduces total housing payment by  $-X,XXX.XX.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000311894

255_406_10748

10748

Credit

OFAC Search

The OFAC search was not provided. Borrowers on loan: 2  OFAC search in file:  Borrower: No CoBorrower:Yes Borrower 3: ___ Borrower 4: ___

(2021-06-30) Lender provided an acceptable fraud search which included an OFAC search.  Condition is cleared.

Summary: Borrower has resided in current property for 5.00 years. ; Summary: Refinance reduces total housing payment by  $-X,XXX.XX.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000311894

255_406_15997

15997

Credit

Required Documentation is Missing

Missing evidence of new P&I for XXX XXX XXXXX XXXX XXXX

(2021-06-30) Lender provided evidence of P&I for primary residence.   Condition is cleared. (2021-06-30) Missing evidence of new P&I for primary residence.  Additional conditions may apply.

Summary: Borrower has resided in current property for 5.00 years. ; Summary: Refinance reduces total housing payment by  $-X,XXX.XX.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000311894

255_406_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS).

(2021-06-30) AUS Standards are now met and loan meets TQM standards. (2021-06-30) AUS Standrads are now met and loan meets TQM standards.  Condition is cleared.

Summary: Borrower has resided in current property for 5.00 years. ; Summary: Refinance reduces total housing payment by  $-X,XXX.XX.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000311894

255_406_17454

17454

Compliance

RESPA: AfBA Disclosure from Broker is Missing or Incomplete

RESPA: AfBA Disclosure from Broker is Missing

(2021-07-13) Graded as B level condition

Summary: Borrower has resided in current property for 5.00 years. ; Summary: Refinance reduces total housing payment by  $-X,XXX.XX.

Active

2

2

B

B

B

B

B

B

B

B

B

B

Yes

0000311988

255_214_11312

11312

Credit

DTI Exceeds Guidelines

Guidelines reflect a DTI of 39.00%. Due to a miscalculation of debts to income, the actual DTI is 44.04%. Income  used includes total borrower income $XX,XXX.XX plus subject property positive rental income $0.00 plus other REO positive rental income $0.00. Total debt amount used is $XX,XXX.XX. Total debt included in DT is $XX,XXX.XX. It appears an updated LP is required as the 1008 in file reflects a DTI of 44.04% which matches the audit.

(2021-06-14) Lender an updated AUS/LP with DTI at 44%, additional condition may apply after getting the proof of sale of Property #9 located at XXX XXXXX #XXX, condition clear at this time.

Summary: Borrower has resided in current property for 16.50 years. ; Summary: UW Guides require 44.40 months reserves, loan qualified with 108.86 months reserves. ; Summary: Primary borrower has 14.10 years in field. ; Summary: Borrower has 14.10 years self employed.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000311988

255_214_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI,. DTI exceeds guidelines

(2021-06-14) Lender an updated AUS/LP with DTI at 44%, additional condition may apply after getting the proof of sale of Property #9 located at XXX XXXXX #XXX, condition clear at this time.

Summary: Borrower has resided in current property for 16.50 years. ; Summary: UW Guides require 44.40 months reserves, loan qualified with 108.86 months reserves. ; Summary: Primary borrower has 14.10 years in field. ; Summary: Borrower has 14.10 years self employed.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000311988

255_214_5105

5105

Credit

Missing evidence of sale of other property owned (REO7)

Final Hud-7,Closing documents, or other evidence of sale from property listed in position 0 on the application evidencing liens paid was not provided. Property status is listed as Sold. Missing evidence of non-ownership for XXXX XXXXXXX XX; found within the fraud report and not disclosed on the initial 1003.

(2021-06-28) Lender provided evidence XXXXXXX property did not belong to borrower.  Condition is cleared. (2021-06-14) Lender provided newly acquired P&I for XXXX XXXXXXXXXX XXX and XXXX XXXXXXXX XXXXX, Still need proof of sale of REO #9 located at XXX XXXXX #XXX, condition remains.

Summary: Borrower has resided in current property for 16.50 years. ; Summary: UW Guides require 44.40 months reserves, loan qualified with 108.86 months reserves. ; Summary: Primary borrower has 14.10 years in field. ; Summary: Borrower has 14.10 years self employed.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000311988

255_214_15997

15997

Credit

Required Documentation is Missing

The loan file is missing: 1) Evidence of newly obtained P & I for XXXX XXXXXXXXXX XXX. 2) Evidence of newly obtained P & I for XXXX XXXXXXXX XXXXX. The loan file is missing: 1) Evidence of newly obtained P & I for XXXX XXXXXXXXXX XXX. 2) Evidence of newly obtained P & I for XXXX XXXXXXXX XXXXX. The loan file is missing: 1) Evidence of newly obtained P & I for XXXX XXXXXXXXXX XXX. 2) Evidence of newly obtained P & I for XXXX XXXXXXXX XXXXX.

(2021-06-28) Lender provided evidence XXXXXXX property did not belong to borrower.  Condition is cleared. (2021-06-14) Lender provided newly acquired P&I for XXXX XXXXXXXXXX XXX and XXXX XXXXXXXX XXXXX, Still need proof of sale of REO #9.

Summary: Borrower has resided in current property for 16.50 years. ; Summary: UW Guides require 44.40 months reserves, loan qualified with 108.86 months reserves. ; Summary: Primary borrower has 14.10 years in field. ; Summary: Borrower has 14.10 years self employed.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000311988

255_214_-96366

-96366

Compliance

Charges That Cannot Increase Test

This loan passed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that do not exceed the good faith determination according to §1026.19(e)(3)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). The Closing Disclosure dated XX/XX/XXXX, reflects Discount Points of $X,XXX.XX. The final Closing Disclosure reflects Discount Points of $XX,XXX.XX. The Closing Disclosure reflecting the increase was not dated within 3 days of the valid COC, rate lock extension, which occurred on XX/XX/XXXX. No evidence of a tolerance cure was provided in file. A tolerance cure of $X,XXX.XX is required. Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower.

(2021-06-22) Lender provided CD dated XX/XX/XXXX, TRID History, Final CD, Initial CD locks for XX/XX/XXXX and XX/XX/XXXX,  and COC was present in the file, condition cleared.

Summary: Borrower has resided in current property for 16.50 years. ; Summary: UW Guides require 44.40 months reserves, loan qualified with 108.86 months reserves. ; Summary: Primary borrower has 14.10 years in field. ; Summary: Borrower has 14.10 years self employed.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000311988

255_214_-96368

-96368

Compliance

Consummation or Reimbursement Date Validation Test

This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. A tolerance cure of $X,XXX.XX is required. No evidence of a tolerance cure was provided in file.

(2021-06-22) Lender provided CD dated XX/XX/XXXX, TRID History, Final CD, Initial CD locks for XX/XX/XXXX and XX/XX/XXXX,  and COC was present in the file, condition cleared.

Summary: Borrower has resided in current property for 16.50 years. ; Summary: UW Guides require 44.40 months reserves, loan qualified with 108.86 months reserves. ; Summary: Primary borrower has 14.10 years in field. ; Summary: Borrower has 14.10 years self employed.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000311988

255_214_-96348

-96348

Compliance

Lender Credits That Cannot Decrease Test

This loan passed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains lender credits that do not exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) exceeds or equals the comparable sum of specific and non-specific lender credits ($0.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). The initial LE dated XX/XX/XXXX reflects loan origination compensation paid by lender. Final CD dated XX/XX/XXXX reflect loan origination compensation paid by the borrower. The loan file did not contain a valid COC to support the decrease.

(2021-06-22) Lender provided CD dated XX/XX/XXXX, TRID History, Final CD, Initial CD locks for XX/XX/XXXX and XX/XX/XXXX,  and COC was present in the file, condition cleared.

Summary: Borrower has resided in current property for 16.50 years. ; Summary: UW Guides require 44.40 months reserves, loan qualified with 108.86 months reserves. ; Summary: Primary borrower has 14.10 years in field. ; Summary: Borrower has 14.10 years self employed.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000311988

255_214_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS). Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to DTI exceeds guidelines and Missing documentation.

(2021-06-28) AUS Standards are now met and loan meets TQM standards. (2021-06-28) Lender provided evidence XXXXXXX property did not belong to borrower.  Condition is cleared. (2021-06-14) Lender provided newly acquired P&I for XXXX XXXXXXXXXX XXX and XXXX XXXXXXXX XXXX, Still need proof of sale of REO #9 located at XXX XXXXX #XXX, condition remains.

Summary: Borrower has resided in current property for 16.50 years. ; Summary: UW Guides require 44.40 months reserves, loan qualified with 108.86 months reserves. ; Summary: Primary borrower has 14.10 years in field. ; Summary: Borrower has 14.10 years self employed.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000311988

255_214_-96362

-96362

Compliance

Reimbursement Amount Test

This loan failed the reimbursement amount test.  (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $0.00, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X,XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation. A tolerance cure of $X,XXX.XX is required. No evidence of a tolerance cure was provided in file.

(2021-06-22) Lender provided CD dated XX/XX/XXXX, TRID History, Final CD, Initial CD locks for XX/XX/XXXX and XX/XX/XXXX,  and COC was present in the file, condition cleared.

Summary: Borrower has resided in current property for 16.50 years. ; Summary: UW Guides require 44.40 months reserves, loan qualified with 108.86 months reserves. ; Summary: Primary borrower has 14.10 years in field. ; Summary: Borrower has 14.10 years self employed.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000311988

255_214_-96369

-96369

Compliance

Reimbursement Amount Validation Test

This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

(2021-07-13) Condition cleared

Summary: Borrower has resided in current property for 16.50 years. ; Summary: UW Guides require 44.40 months reserves, loan qualified with 108.86 months reserves. ; Summary: Primary borrower has 14.10 years in field. ; Summary: Borrower has 14.10 years self employed.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000311988

255_214_-96455

-96455

Compliance

Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test

This loan failed the revised closing disclosure delivery date and changed circumstances date test. ( 12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in XXXX ,  12 CFR §1026.19(e)(4)(i) )The revised closing disclosure delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and 10% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms.Official Interpretations12 C.F.R. §1026.19(e)(4)(ii)Relationship to disclosures required under §1026.19(f)(1)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i)...If, however, there are less than four business days between the time the revised version of the disclosures is required to be provided pursuant to §1026.19(e)(4)(i) and consummation, creditors comply with the requirements of §1026.19(e)(4) if the revised disclosures are reflected in the disclosures required by §1026.19(f)(1)(i). The Closing Disclosure reflecting the increase in Discount Points was not dated within 3 days of the valid COC, rate lock extension, which occurred on 05/07/2021.

(2021-06-22) Lender provided CD dated XX/XX/XXXX, TRID History, Final CD, Initial CD locks for XX/XX/XXXX and XX/XX/XXXX,  and COC was present in the file, condition cleared.

Summary: Borrower has resided in current property for 16.50 years. ; Summary: UW Guides require 44.40 months reserves, loan qualified with 108.86 months reserves. ; Summary: Primary borrower has 14.10 years in field. ; Summary: Borrower has 14.10 years self employed.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000313817

255_321_8720

8720

Credit

Missing Evidence of Insurance for REO4

Missing Evidence of Insurance for property 5 on final application

(2021-06-24) Lender provided Final CD for XXX XXXXXXXX XXXXXXX, condition cleared.

Summary: FICO is higher than guidelines. FICO is:  788 and the guideline  is:780. ; Summary: Primary borrower has 22.00 years in field. ; Summary: UW Guides require 8.76 months reserves, loan qualified with 108.26 months reserves. ; Summary: Borrower has 22.00 years self employed.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000313817

255_321_12430

12430

Credit

Missing Evidence of Property Taxes for REO4

Evidence of property taxes for property 4  on the final application not provided.

(2021-06-24) Lender provided Final CD for XXX XXXXXXXX XXXXXXX, condition cleared.

Summary: FICO is higher than guidelines. FICO is:  788 and the guideline  is:780. ; Summary: Primary borrower has 22.00 years in field. ; Summary: UW Guides require 8.76 months reserves, loan qualified with 108.26 months reserves. ; Summary: Borrower has 22.00 years self employed.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000313817

255_321_15997

15997

Credit

Required Documentation is Missing

The loan file is missing a copy of the note for REO #5 listed on the final application.

(2021-06-24) Lender provided Final CD for XXX XXXXXXXX XXXXXXX, condition cleared.

Summary: FICO is higher than guidelines. FICO is:  788 and the guideline  is:780. ; Summary: Primary borrower has 22.00 years in field. ; Summary: UW Guides require 8.76 months reserves, loan qualified with 108.26 months reserves. ; Summary: Borrower has 22.00 years self employed.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000316202

255_307_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is above 2.5, No CDA in File, No AVM in file, No Field Review in file

(2021-06-24) CDA is acceptable.  Condition is cleared.

Summary: Refinance reduces rate from 4.00% to 3.38%. ; Summary: Primary borrower has 10.50 years in field. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 12.16 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000316202

255_307_-96366

-96366

Compliance

Charges That Cannot Increase Test

This loan passed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that do not exceed the good faith determination according to §1026.19(e)(3)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).

(2021-07-06) Invalid finding. Finding rescinded.

Summary: Refinance reduces rate from 4.00% to 3.38%. ; Summary: Primary borrower has 10.50 years in field. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 12.16 months reserves.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000316202

255_307_-96368

-96368

Compliance

Consummation or Reimbursement Date Validation Test

This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations.

(2021-07-06) Invalid finding. Finding rescinded.

Summary: Refinance reduces rate from 4.00% to 3.38%. ; Summary: Primary borrower has 10.50 years in field. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 12.16 months reserves.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000316202

255_307_-96369

-96369

Compliance

Reimbursement Amount Validation Test

This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

(2021-07-06) Invalid finding. Finding rescinded.

Summary: Refinance reduces rate from 4.00% to 3.38%. ; Summary: Primary borrower has 10.50 years in field. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 12.16 months reserves.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000318213

255_371_1175

1175

Credit

Credit score does not meet guidelines

Credit score of 0 is less than  817, the minimum credit score required per lender guidelines

(2021-06-29) Lender provided credit report dated 03/29/21 with qualifying FICO score of 817 for both borrowers, condition cleared.

Summary: Refinance reduces total housing payment by  $-X,XXX.XX. ; Summary: UW Guides require 16.62 months reserves, loan qualified with 252.79 months reserves. ; Summary: Primary borrower has 22.25 years in field. ; Summary: Borrower has resided in current property for 12.75 years.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000318213

255_371_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with  FICO,.

(2021-06-29) Lender provided credit report dated 03/29/21 with qualifying FICO score of 817 for both borrowers, condition cleared.

Summary: Refinance reduces total housing payment by  $-X,XXX.XX. ; Summary: UW Guides require 16.62 months reserves, loan qualified with 252.79 months reserves. ; Summary: Primary borrower has 22.25 years in field. ; Summary: Borrower has resided in current property for 12.75 years.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000318213

255_371_959

959

Credit

Missing Credit Report - Borrower

A credit report for the borrower was not provided.

(2021-06-29) Lender provided credit report dated 03/29/21 with qualifying FICO score of 817 for both borrowers, condition cleared.

Summary: Refinance reduces total housing payment by  $-X,XXX.XX. ; Summary: UW Guides require 16.62 months reserves, loan qualified with 252.79 months reserves. ; Summary: Primary borrower has 22.25 years in field. ; Summary: Borrower has resided in current property for 12.75 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000318213

255_371_724

724

Credit

Missing Credit Report - Coborrower

A credit report for the coborrower was not provided.

(2021-06-29) CoBorrower credit report indicator is Present (2021-06-29) Lender provided credit report dated XX/XX/XXXX with qualifying FICO score of 817 for both borrowers, condition cleared.

Summary: Refinance reduces total housing payment by  $-X,XXX.XX. ; Summary: UW Guides require 16.62 months reserves, loan qualified with 252.79 months reserves. ; Summary: Primary borrower has 22.25 years in field. ; Summary: Borrower has resided in current property for 12.75 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000318213

255_371_1818

1818

Credit

Missing Trust Documentation

Missing Trust Documentation

(2021-06-29) Lender provided Cert of Trust signed and notarized., condition cleared.

Summary: Refinance reduces total housing payment by  $-X,XXX.XX. ; Summary: UW Guides require 16.62 months reserves, loan qualified with 252.79 months reserves. ; Summary: Primary borrower has 22.25 years in field. ; Summary: Borrower has resided in current property for 12.75 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000318213

255_371_15997

15997

Credit

Required Documentation is Missing

The loan file is missing the verification of the new P&I payments for the primary residence. This property was refinanced with XXX.

(2021-06-29) Lender provided Final CD showing P&I payment of $X,XXX.XX w/o escrows total of $X,XXX.XX with escrows for primary residence, condition cleared.

Summary: Refinance reduces total housing payment by  $-X,XXX.XX. ; Summary: UW Guides require 16.62 months reserves, loan qualified with 252.79 months reserves. ; Summary: Primary borrower has 22.25 years in field. ; Summary: Borrower has resided in current property for 12.75 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000318642

255_232_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with  FICO,.

(2021-06-21) Lender provided an acceptable joint merged credit report.  Condition is cleared.

Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 18.01 months reserves, loan qualified with 479.55 months reserves. ; Summary: Refinance reduces rate from 4.13% to 3.38%. ; Summary: Primary borrower has 22.25 years in field. ; Summary: Borrower has resided in current property for 12.00 years.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000318642

255_232_959

959

Credit

Missing Credit Report - Borrower

A credit report for the borrower was not provided.

(2021-06-21) Lender provided an acceptable joint merged credit report.  Condition is cleared.

Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 18.01 months reserves, loan qualified with 479.55 months reserves. ; Summary: Refinance reduces rate from 4.13% to 3.38%. ; Summary: Primary borrower has 22.25 years in field. ; Summary: Borrower has resided in current property for 12.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000318642

255_232_724

724

Credit

Missing Credit Report - Coborrower

A credit report for the coborrower was not provided.

(2021-06-21) CoBorrower credit report indicator is Present (2021-06-21) Lender provided an acceptable joint merged credit report.  Condition is cleared.

Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 18.01 months reserves, loan qualified with 479.55 months reserves. ; Summary: Refinance reduces rate from 4.13% to 3.38%. ; Summary: Primary borrower has 22.25 years in field. ; Summary: Borrower has resided in current property for 12.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000318642

255_232_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  2 Fraud Report in file Borrower: No CoBorrower: No Borrower 3: ___ Borrower 4: ___

(2021-06-21) Lender provided an acceptable fraud report. Condition is cleared.

Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 18.01 months reserves, loan qualified with 479.55 months reserves. ; Summary: Refinance reduces rate from 4.13% to 3.38%. ; Summary: Primary borrower has 22.25 years in field. ; Summary: Borrower has resided in current property for 12.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000318642

255_232_15997

15997

Credit

Required Documentation is Missing

The loan file is missing evidence to support omission  of Mortgage debt #XXXX and a copy of the note for property #2 reflected on the final application.

(2021-06-22) Lender provided the Closing Disclosure for REO 2 on the final application reflecting the Mortgage was paid off and new monthly mortgage payment.  Condition cleared. (2021-06-22) Client provided XXXXXXXXXX Report and Credit Report for Borrower and Co-Borrower, but did not address missing evidence to support omission  of Mortgage debt #XXXX and a copy of the note for property #2 reflected on the final application. (2021-06-18) The loan file is missing evidence to support omission  of Mortgage debt #XXXX and a copy of the note for property #2 reflected on the final application.

Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 18.01 months reserves, loan qualified with 479.55 months reserves. ; Summary: Refinance reduces rate from 4.13% to 3.38%. ; Summary: Primary borrower has 22.25 years in field. ; Summary: Borrower has resided in current property for 12.00 years.

Cleared

2

1

B

A

B

A

B

A

B

A

B

A

Yes

0000320101

255_288_12429

12429

Credit

Missing Evidence of Property Taxes for REO3

Evidence of property taxes for property 3  on the final application not provided.

(2021-06-21) Lender provided Final CD dated XX/XX/XXXX to show escrows in place, $XXX.XX monthly mortgage paymenty, condition cleared

Summary: UW Guides require 11.36 months reserves, loan qualified with 184.86 months reserves. ; Summary: Primary borrower has 7.16 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000320101

255_288_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  1 Fraud Report in file Borrower: No CoBorrower: ___ Borrower 3: ___ Borrower 4: ___

(2021-06-21) Lender provided Fraud Report all 17 pages with OFAC search. Condition cleared.

Summary: UW Guides require 11.36 months reserves, loan qualified with 184.86 months reserves. ; Summary: Primary borrower has 7.16 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000320605

255_296_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is above 2.5, No CDA in File, No AVM in file, Field Review not required

(2021-06-15) Lender provided an acceptable CDA.  Condition is cleared.

Summary: Borrower has resided in current property for 4.00 years. ; Summary: Refinance reduces total housing payment by  $X,XXX.XX.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000320605

255_296_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  1 Fraud Report in file Borrower: No CoBorrower: ___ Borrower 3: ___ Borrower 4: ___

(2021-06-21) Lender provided all of 19 pages with OFAC search, condition cleared.

Summary: Borrower has resided in current property for 4.00 years. ; Summary: Refinance reduces total housing payment by  $X,XXX.XX.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000320605

255_296_-96366

-96366

Compliance

Charges That Cannot Increase Test

This loan passed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that do not exceed the good faith determination according to §1026.19(e)(3)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). The Closing Disclosure dated XX/XX/XXXX, reflects Discount Points of $X,XXX.XX. The final Closing Disclosure reflects Discount Points of $XX,XXX.XX. The Closing Disclosure reflecting the increase was not dated within 3 days of the valid COC, which occurred on XX/XX/XXXX. No evidence of a tolerance cure was provided in file. A tolerance cure of $XX,XXX.XX is required. Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower.

(2021-06-21) Lender credit of $XXX.XX applied, condition cleared.

Summary: Borrower has resided in current property for 4.00 years. ; Summary: Refinance reduces total housing payment by  $X,XXX.XX.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000320605

255_296_-96368

-96368

Compliance

Consummation or Reimbursement Date Validation Test

This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. A tolerance cure of $XX,XXX.XX is required. No evidence of a tolerance cure was provided in file.

(2021-06-21) Lender credit of $XXX.XX was applied, condition cleared.

Summary: Borrower has resided in current property for 4.00 years. ; Summary: Refinance reduces total housing payment by  $X,XXX.XX.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000320605

255_296_-99944

-99944

Compliance

Late Fees Test

This loan failed the late fees test.The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.PLEASE NOTE: Certain states impose a late charge restriction that requires a comparison of the late fees charge, expressed either as a percentage or a dollar amount, or as both. In cases where the user provided data does not contain the required data point, ComplianceAnalyzer® will calculate the required data point from the late charge value entered by the user, and for such purpose will use the system's calculation of the scheduled monthly payment amount. Such data point calculations are an estimate based on the user provided data, and may not reflect the actual late charge threshold on an irregular payment, or if the maximum permitted late charge is based on the amount of the scheduled payment that is outstanding and not the entire scheduled payment. 5% > 2% maximum late fee allowed by the New York.

(2021-06-21) 5% > 2% maximum late fee allowed by the New York.

Summary: Borrower has resided in current property for 4.00 years. ; Summary: Refinance reduces total housing payment by  $X,XXX.XX.

Active

2

2

B

B

B

B

B

B

B

B

B

B

Yes

0000320605

255_296_-96369

-96369

Compliance

Reimbursement Amount Validation Test

This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. A tolerance cure of $XX,XXX.XX is required. No evidence of a tolerance cure was provided in file.

(2021-06-21) Lender credit of $XXX.XX present in the final CD, , condion cleared.

Summary: Borrower has resided in current property for 4.00 years. ; Summary: Refinance reduces total housing payment by  $X,XXX.XX.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000320605

255_296_-96455

-96455

Compliance

Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test

This loan failed the revised closing disclosure delivery date and changed circumstances date test. ( 12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in XXXX ,  12 CFR §1026.19(e)(4)(i) )The revised closing disclosure delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and 10% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms.Official Interpretations12 C.F.R. §1026.19(e)(4)(ii)Relationship to disclosures required under §1026.19(f)(1)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i)...If, however, there are less than four business days between the time the revised version of the disclosures is required to be provided pursuant to §1026.19(e)(4)(i) and consummation, creditors comply with the requirements of §1026.19(e)(4) if the revised disclosures are reflected in the disclosures required by §1026.19(f)(1)(i). The Closing Disclosure reflecting the increase in Discount Points was not dated within 3 days of the valid COC, which occurred on 05/07/2021.

(2021-06-21) Other XX/XX/XXXX CD was present in the loan file in order to clear this finding, condion cleared.

Summary: Borrower has resided in current property for 4.00 years. ; Summary: Refinance reduces total housing payment by  $X,XXX.XX.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000320605

255_296_-96458

-96458

Compliance

Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test

This loan passed the revised closing disclosure delivery date test (waiting period required).( 12 CFR §1026.19(f)(2)(ii) )The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is not less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §1026.38(o)(4) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §1026.38(a)(5)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. The final Closing Disclosure exceeds the allowable APR tolerance of 0.125% due to an increase in finance charges. A 3-day waiting period or a waiver by borrower for C.D. timing for APR variance is missing.

(2021-06-21) Other XX/XX/XXXX CD was present in the loan file in order to clear this finding, condion cleared.

Summary: Borrower has resided in current property for 4.00 years. ; Summary: Refinance reduces total housing payment by  $X,XXX.XX.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000320605

255_296_-96461

-96461

Compliance

Revised Closing Disclosure Waiting Period Required Finding

Revised Closing Disclosure Waiting Period Required Finding ( 12 CFR §1026.19(f)(2)(ii) )The loan does not require a new waiting period due to all of the following findings:The loan's APR has not become inaccurate, andThe loan product, indicated in ComplianceAnalyzer by the Program Type drop down, has not changed and the features (negative amortization, interest only, or a balloon payment) have not changed; andA prepayment penalty was not added.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §1026.38(o)(4) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §1026.38(a)(5)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate. The final Closing Disclosure exceeds the allowable APR tolerance of 0.125% due to an increase in finance charges. A 3-day waiting period or a waiver by borrower for C.D. timing for APR variance is missing.

(2021-06-21) Other XX/XX/XXXX CD was present in the loan file in order to clear this finding, condion cleared.

Summary: Borrower has resided in current property for 4.00 years. ; Summary: Refinance reduces total housing payment by  $X,XXX.XX.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000320605

255_296_17453

17453

Compliance

Temporary Qualified Mortgage Points & Fees Failure

This loan's points and fees exceed the qualified mortgage points and fees threshold. A qualified mortgage is a covered transaction that limits the points and fees charged at consummation to a specific percentage or flat dollar amounts dependent upon the mortgage's total loan amount. $XX,XXX.XX > $XX,XXX.XX, the maximum points and fees allowed under XX by $XX,XXX.XX. When discount points are involved, the lender can try to prove they are bona fide. To verify bona fide discount points, we will need the rate sheet, PAR, or some form of proof that verifies the amount the borrower paid in points directly led to a discount in rate.

(2021-07-07) Lender provided Loan Detail report which confirmed par rate and business purpose loan. (2021-07-06) Lender provided Lock Confirmation.  However, further information.  Lender to provide QM Worksheet for review to determine par rate. Lender provided 2 pages of the Loan Detail Report.  Lender to provide all pages for review. (2021-06-22) Lender provided Lock Confirmation.  However, further information.  Lender to provide QM Worksheet for review to determine par rate.

Summary: Borrower has resided in current property for 4.00 years. ; Summary: Refinance reduces total housing payment by  $X,XXX.XX.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000320605

255_296_-96447

-96447

Compliance

TRID APR and Finance Charge Tolerance Exceeded Finding

APR Tolerance Exceeded Due to the Finance Charge Disclosure ( 12 CFR §1026.22(a)(4) )The APR on the loan is 3.408% and:Is within tolerance under §1026.22(a)(2) or (3); orHas become inaccurate under §1026.22(a)(2) or (3), but the inaccurate APR is a result of the finance charge of $XXX,XXX.XX, and that finance charge is considered accurate under §1026.18(d)(1), or §1026.23(h)(2) if the company settings have indicated a desire to use this tolerance threshold instead.Mortgage loans. If the annual percentage rate disclosed in a transaction secured by real property or a dwelling varies from the actual rate determined in accordance with §1026.22(a)(1), in addition to the tolerances applicable under §1026.22(a)(2) and (3), the disclosed annual percentage rate shall also be considered accurate if:(i) The rate results from the disclosed finance charge; and(ii)    (A) The disclosed finance charge would be considered accurate under §1026.18(d)(1) or §1026.38(o)(2), as applicable; or    (B) For purposes of rescission, if the disclosed finance charge would be considered accurate under §1026.23(g) or (h), whichever applies. The final Closing Disclosure exceeds the allowable APR tolerance of 0.125% due to an increase in finance charges. Therefore, either a 3-day waiting period or a waiver by borrower for C.D. timing for APR variance was required. A tolerance cure of $XX,XXX.XX is required. Provide corrected CD, letter of explanation, refund fee tolerance, proof of delivery and re-open rescission, if applicable.

(2021-06-21) Other XX/XX/XXXX CD was present in the loan file in order to clear this finding, condion cleared.

Summary: Borrower has resided in current property for 4.00 years. ; Summary: Refinance reduces total housing payment by  $X,XXX.XX.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000320605

255_296_-96448

-96448

Compliance

TRID APR Tolerance Exceeded Finding

APR Tolerance Not Exceeded (12 CFR §1026.22(a)(2), (3))The APR on the loan has not become inaccurate due to one of the following reasons:The loan is a regular transaction and the APR, 3.408%, is considered accurate because it is not more than 1/8 of 1 percentage point above or below the disclosed APR of 3.428% on the Revised Closing Disclosure - XX/XX/XXXX - 2; orThe loan is an irregular transaction and the APR, 3.408%, is considered accurate because it is not more than 1/4 of 1 percentage point above or below the disclosed APR of 3.428% on the Revised Closing Disclosure - XX/XX/XXXX - 2.As a general rule, the annual percentage rate shall be considered accurate if it is not more than 1/8 of 1 percentage point above or below the annual percentage rate determined in accordance with §1026.22(a)(1). In an irregular transaction, the annual percentage rate shall be considered accurate if it is not more than 1/4 of 1 percentage point above or below the annual percentage rate determined in accordance with §1026.22 (a)(1). For purposes of §1026.22(a)(3), an irregular transaction is one that includes one or more of the following features: multiple advances, irregular payment periods, or irregular payment amounts (other than an irregular first period or an irregular first or final payment). The initial Closing Disclosure, dated XX/XX/XXXX, reflects an APR of 3.222%. The final Closing Disclosure reflects an APR of 3.424%, which is a difference of 0.202% and exceeds allowable tolerance of 0.125%. Therefore, either a 3-day waiting period or a waiver by borrower for C.D. timing for APR variance was required. Provide corrected CD, letter of explanation, refund fee tolerance, proof of delivery and re-open rescission, if applicable.

(2021-06-21) Other XX/XX/XXXX CD was present in the loan file in order to clear this finding, condion cleared.

Summary: Borrower has resided in current property for 4.00 years. ; Summary: Refinance reduces total housing payment by  $X,XXX.XX.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000320816

255_104_11312

11312

Credit

DTI Exceeds Guidelines

Guidelines reflect a DTI of 7.20%. Due to a miscalculation of debts to income, the actual DTI is 10.40%. Income  used includes total borrower income $XX,XXX.XX plus subject property positive rental income $0.00 plus other REO positive rental income $0.00. Total debt amount used is $X,XXX.XX. It appears the lender did not consider the HELOC on the primary residence, with a monthly payment of $X,XXX.XX; which the borrower opened for the purchase of the subject property. Additionally, a newly obtained auto loan with a monthly payment of $XXX.XX was not included in the calculation.

(2021-06-15) Updated AUS provided

(2021-06-15) DTI condition cleared

Summary: UW Guides require 6.17 months reserves, loan qualified with 146.44 months reserves. ; Summary: Primary borrower has 13.00 years in field.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000320816

255_104_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI,. DTI exceeds guidelines

(2021-06-15) Invalid AUS condition cleared

Summary: UW Guides require 6.17 months reserves, loan qualified with 146.44 months reserves. ; Summary: Primary borrower has 13.00 years in field.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000320816

255_104_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  1 Fraud Report in file Borrower: No CoBorrower: ___ Borrower 3: ___ Borrower 4: ___

(2021-06-09) Lender provided an acceptable fraud report.  Condition is cleared.

Summary: UW Guides require 6.17 months reserves, loan qualified with 146.44 months reserves. ; Summary: Primary borrower has 13.00 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000320816

255_104_15852

15852

Credit

Missing Written Verification of Employment - Bonus,OT, Commission 1(Borrower)

Written Verification of employment is missing for Borrower 1 for bonus, overtime, or commission income used to qualify.  This income is for the job listed in position 1 on the application.

(2021-06-09) The lender provided a WVOE with a breakdown of commission and bonus income.  Condition is cleared.

Summary: UW Guides require 6.17 months reserves, loan qualified with 146.44 months reserves. ; Summary: Primary borrower has 13.00 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000321323

255_294_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  2 Fraud Report in file Borrower: No CoBorrower: No Borrower 3: ___ Borrower 4: ___

(2021-07-09) Client provided documentation to resolve. Condition cleared.

Summary: Borrower has resided in current property for 41.00 years. ; Summary: UW Guides require 5.39 months reserves, loan qualified with 18.37 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000321949

255_229_1818

1818

Credit

Missing Trust Documentation

Missing Trust Documentation Missing Certification of Trust executed by the borrower.

(2021-06-14) Lender provided Trust documentation, condition cleared.

Summary: Refinance reduces rate from 4.88% to 3.38%. ; Summary: UW Guides require 10.66 months reserves, loan qualified with 201.22 months reserves. ; Summary: Primary borrower has 10.00 years in field. ; Summary: Borrower has 10.10 years self employed. ; Summary: Borrower has resided in current property for 12.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000321949

255_229_15997

15997

Credit

Required Documentation is Missing

The loan file is missing: 1) Evidence of newly obtained P & I for XXX XXXX XXXX XXXXXX (primary residence) and evidence current lien was paid off. 2) Evidence of newly obtained P & I for XXX XXXX XXXXX XXXXXX and evidence current lien was paid off. The loan file is missing: 1) Evidence of newly obtained P & I for XXX XXXX XXXX XXXXXX (primary residence) and evidence current lien was paid off. 2) Evidence of newly obtained P & I for XXX XXXX XXXXX XXXXXX and evidence current lien was paid off. The loan file is missing: 1) Evidence of newly obtained P & I for XXX XXXX XXXX XXXXXX (primary residence) and evidence current lien was paid off. 2) Evidence of newly obtained P & I for XXX XXXX XXXXX XXXXXX and evidence current lien was paid off.

(2021-06-14) Lender provided Final CDs for XXX XXXX XXXX XXXXXX (primary residence) and  XXX XXXX XXXXX XXXXXX, condition cleared.

Summary: Refinance reduces rate from 4.88% to 3.38%. ; Summary: UW Guides require 10.66 months reserves, loan qualified with 201.22 months reserves. ; Summary: Primary borrower has 10.00 years in field. ; Summary: Borrower has 10.10 years self employed. ; Summary: Borrower has resided in current property for 12.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000322625

255_279_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is Missing, No CDA in File, No AVM in file, No Field Review in file

(2021-06-15) Lender provided an acceptable CDA.  Condition is cleared.

Summary: UW Guides require 8.17 months reserves, loan qualified with 41.09 months reserves. ; Summary: Primary borrower has 15.50 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000322625

255_279_-99944

-99944

Compliance

Late Fees Test

This loan failed the late fees test.The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.PLEASE NOTE: Certain states impose a late charge restriction that requires a comparison of the late fees charge, expressed either as a percentage or a dollar amount, or as both. In cases where the user provided data does not contain the required data point, ComplianceAnalyzer® will calculate the required data point from the late charge value entered by the user, and for such purpose will use the system's calculation of the scheduled monthly payment amount. Such data point calculations are an estimate based on the user provided data, and may not reflect the actual late charge threshold on an irregular payment, or if the maximum permitted late charge is based on the amount of the scheduled payment that is outstanding and not the entire scheduled payment. 5.00% > 2.00% maximum late fee allowed by the state of New York.

(2021-07-13) Condition Cleared

Summary: UW Guides require 8.17 months reserves, loan qualified with 41.09 months reserves. ; Summary: Primary borrower has 15.50 years in field.

Cleared

2

1

B

A

B

A

B

A

B

A

B

A

Yes

0000323604

255_295_1454

1454

Credit

Missing Evidence of Insurance for Primary Residence

Missing Evidence of Insurance for Primary Residence Missing Evidence of Insurance for XXXXX XXXXXXXXXX XXXX (primary residence).

(2021-06-23) Lender provided evidence of Hazard Insurance for Primary Residence. Documentation submitted is deemed acceptable. Condition cleared.

Summary: Borrower has 15.30 years self employed. ; Summary: Borrower has resided in current property for 16.00 years. ; Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 12.97 months reserves, loan qualified with 63.31 months reserves. ; Summary: Primary borrower has 15.30 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000323604

255_295_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS). Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a Missing documentation.

(2021-06-23) AUS Standards are now met and loan meets TQM standards.

Summary: Borrower has 15.30 years self employed. ; Summary: Borrower has resided in current property for 16.00 years. ; Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 12.97 months reserves, loan qualified with 63.31 months reserves. ; Summary: Primary borrower has 15.30 years in field.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000323604

255_295_17453

17453

Compliance

Temporary Qualified Mortgage Points & Fees Failure

This loan's points and fees exceed the qualified mortgage points and fees threshold. A qualified mortgage is a covered transaction that limits the points and fees charged at consummation to a specific percentage or flat dollar amounts dependent upon the mortgage's total loan amount. $XX,XXX.XX > $XX,XXX.XX, the maximum points and fees allowed under QM, by $X,XXX.XX. When discount points are involved, the lender can try to prove they are bona fide. To verify bona fide discount points, we will need the rate sheet, PAR, or some form of proof that verifies the amount the borrower paid in points directly led to a discount in rate.

(2021-07-07) Lender provided Loan Detail Report which confirmed par rate and business purpose loan. (2021-07-06) Lender provided one page of the Loan Detail Report from Doc Magic.  Lender to provde full Loan Detail Report for review. (2021-06-23) $XX,XXX.XX > $XX,XXX.XX, the maximum points and fees allowed under QM, by $X,XXX.XX. When discount points are involved, the lender can try to prove they are bona fide. To verify bona fide discount points, we will need the rate sheet, PAR, or some form of proof that verifies the amount the borrower paid in points directly led to a discount in rate.

Summary: Borrower has 15.30 years self employed. ; Summary: Borrower has resided in current property for 16.00 years. ; Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 12.97 months reserves, loan qualified with 63.31 months reserves. ; Summary: Primary borrower has 15.30 years in field.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000323767

255_297_1175

1175

Credit

Credit score does not meet guidelines

Credit score of 0 is less than  791, the minimum credit score required per lender guidelines

(2021-07-12) Client provided documentation to resolve. Condition cleared.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000323767

255_297_11312

11312

Credit

DTI Exceeds Guidelines

Guidelines reflect a DTI of 41.17%. Due to a miscalculation of debts to income, the actual DTI is 165.86%. Income  used includes total borrower income $0.00 plus subject property positive rental income $XXX.XX plus other REO positive rental income $0.00. Total debt amount used is $X,XXX.XX.

(2021-07-12) Client provided documentation to resolve. Condition cleared.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000323767

255_297_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to ___ if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with  Occupancy,.

(2021-07-12) Client provided documentation to resolve. Condition cleared.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000323767

255_297_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is Missing, Unknown, Unknown, Unknown

(2021-06-15) Lender provided an acceptable CDA.  Condition is cleared.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000323767

255_297_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  2 Fraud Report in file Borrower: No CoBorrower: No Borrower 3: ___ Borrower 4: ___

(2021-06-21) Lender provided an acceptable fraud report with OFAC search.  Condition is cleared.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000323767

255_297_1412

1412

Credit

Missing YTD Profit & Loss for Schedule C 1 Business (Borrower 1)

Borrower 1 is self-employed and the YTD Profit & Loss is either missing or not executed for the Schedule C business listed in position B1_SchedC1_ID_On_Application on the application.   Profit & Loss in File: No

(2021-07-12) Client provided documentation to resolve. Condition cleared.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000323767

255_297_10748

10748

Credit

OFAC Search

The OFAC search was not provided. Borrowers on loan: 2  OFAC search in file:  Borrower: No CoBorrower:No Borrower 3: ___ Borrower 4: ___

(2021-06-21) Lender provided an acceptable fraud report with OFAC search.  Condition is cleared.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000323767

255_297_15997

15997

Credit

Required Documentation is Missing

The loan file is missing proof of P& I for new XXX mortgage liens for REO #2 X XXXXXX XXXXX, #3 XXXX XXXXXXX XX and #X XXXX X XXX XXXXXX.

(2021-06-21) Lender provided missing CD's to verify refinanced mortgage payments.  Condition is cleared. (2021-06-10) The loan file is missing proof of P& I for new XXX mortgage liens for REO #2 X XXXXXX XXXXX, #3 XXXX XXXXXXX XX and #5 XXXX X XXX XXXXXX.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000323767

255_297_18590

18590

Credit

Residual Income does not meet guideline minimum

Residual Income is $-XXX.XX which is less than the guideline minimum of $0.00.

(2021-07-12) Client provided documentation to resolve. Condition cleared.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000323767

255_297_17470

17470

Compliance

ECOA: Delivery of Appraisal/Valuation to Applicant Not Timely

ECOA: Delivery of Appraisal/Valuation to Applicant Not Timely

(2021-07-13) Client provided documentation to resolve. Condition cleared. (2021-07-12) Client provided documentation to resolve. Condition cleared.

Cleared

2

1

B

A

B

A

B

A

B

A

B

A

Yes

0000323767

255_297_16940

16940

Compliance

E-Consent documentation on Pre-TRID loan is missing for borrower(s)

E-Consent documentation on Pre-TRID loan is missing for borrower(s)

(2021-07-12) Received required E-Consent documentation for borrower(s) (2021-07-12) Client provided documentation to resolve. Condition cleared.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000323767

255_297_16939

16939

Compliance

E-Consent documentation on TRID loan is missing for borrower(s)

E-Consent documentation on TRID loan is missing for borrower(s)

(2021-07-12) Received required E-Consent documentation for borrower(s) (2021-07-12) Client provided documentation to resolve. Condition cleared.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000323767

255_297_-96350

-96350

Compliance

Lender Credits Finding

This loan failed the initial closing disclosure lender credits finding. ( 12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F), and (D) as amended in XXXX )The initial closing disclosure contains a credit(s) that is not an allowable redisclosure under §1026.19(e)(3)(iv).

(2021-07-13) Condition Rescinded

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000323767

255_297_11895

11895

Compliance

Missing Initial Broker Application Date - unable to complete Compliance review

Missing Initial Broker Application Date - unable to complete Compliance review

(2021-07-13) Client provided documentation to resolve. Condition cleared. (2021-07-12) Client provided documentation to resolve. Condition cleared.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000323767

255_297_11907

11907

Compliance

Missing Initial Lender of Record Application Date - unable to complete Compliance review

The exception 'Missing Initial Lender of Record Application Date - unable to complete Compliance review' is cleared.

(2021-07-13) Client provided documentation to resolve. Condition cleared. (2021-07-12) Client provided documentation to resolve. Condition cleared.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000323767

255_297_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS).

(2021-06-21) AUS Standards are now met and loan meets TQM standards. (2021-06-21) Lender provided missing CD's to verify refinanced mortgage payments.  Condition is cleared.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000323767

255_297_16941

16941

Compliance

TRID disclosure(s) for Borrower electronically dated prior to E-Consent

TRID disclosure(s) signed XX/XX/XXXX  is prior to E-Consent from Borrower dated XX/XX/XXXX

(2021-07-13) Client provided documentation to resolve. Condition cleared. (2021-07-12) Client provided documentation to resolve. Condition cleared.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000323767

255_297_-96378

-96378

Compliance

TRID Post-Consummation Reason for Redisclosure Validation Test

This loan failed the TRID post-consummation reason for redisclosure validation test.This loan contains a post-consummation revised closing disclosure delivery date but does not provide the reason for the redisclosure after consummation. The reason is required in order to audit post-consummation redisclosure timing tests.

(2021-07-13) Condition rescinded

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000324128

255_185_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is above 2.5, No CDA in File, No AVM in file, No Field Review in file

(2021-06-16) Client provided high value AVM - condition cleared

Summary: UW Guides require 8.93 months reserves, loan qualified with 71.00 months reserves. ; Summary: Primary borrower has 5.58 years in field. ; Summary: Borrower has 5.58 years self employed.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000324128

255_185_15996

15996

Credit

Transaction Ineligible

Transaction is ineligible due to the subject property beieng a 2-unit and the apprasial/AUS done for a 1-unit.  Rent from the 2nd unit is being used to qualify the borrower.

(2021-07-13) Subject property is SFR - 2 leases to 2 tenants for 1 property.   Condition cleared

Summary: UW Guides require 8.93 months reserves, loan qualified with 71.00 months reserves. ; Summary: Primary borrower has 5.58 years in field. ; Summary: Borrower has 5.58 years self employed.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000324128

255_185_16940

16940

Compliance

E-Consent documentation on Pre-TRID loan is missing for borrower(s)

E-Consent documentation on Pre-TRID loan is missing for borrower(s)

(2021-07-12) Received required E-Consent documentation for borrower(s) (2021-07-12) Client provided documentation to resolve. Condition cleared.

Summary: UW Guides require 8.93 months reserves, loan qualified with 71.00 months reserves. ; Summary: Primary borrower has 5.58 years in field. ; Summary: Borrower has 5.58 years self employed.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000324128

255_185_-96350

-96350

Compliance

Lender Credits Finding

This loan failed the initial closing disclosure lender credits finding. ( 12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F), and (D) as amended in XXXX )The initial closing disclosure contains a credit(s) that is not an allowable redisclosure under §1026.19(e)(3)(iv).

(2021-07-14) condition rescinded

Summary: UW Guides require 8.93 months reserves, loan qualified with 71.00 months reserves. ; Summary: Primary borrower has 5.58 years in field. ; Summary: Borrower has 5.58 years self employed.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000324128

255_185_16071

16071

Compliance

Lender Credits Finding

This loan failed the revised LE lender credits test finding due to one of the following reasons:The revised loan estimate contains a credit(s) that is not an allowable  redisclosure. The disclosure was not delivered timely; or the sum of the specific and non-specific lender credits decreased.

(2021-07-13) condition rescinded (2021-06-16) Condition is rescinded.

Summary: UW Guides require 8.93 months reserves, loan qualified with 71.00 months reserves. ; Summary: Primary borrower has 5.58 years in field. ; Summary: Borrower has 5.58 years self employed.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000324253

255_252_10285

10285

Credit

Incomplete AUS Results

AUS Results are incomplete. AUS is cut off missing LTV/CLTV and part of the income information.

(2021-06-28) Lender provided a complete AUS report.  Condition is cleared.

Summary: Borrower has resided in current property for 6.00 years. ; Summary: UW Guides require 14.66 months reserves, loan qualified with 94.73 months reserves. ; Summary: Primary borrower has 16.66 years in field.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000324253

255_252_1095

1095

Credit

Insufficient Title Coverage

Title Coverage is $XXX,XXX.XX and the Loan Amount is $XXX,XXX.XX

(2021-07-13) Condition cleared

Summary: Borrower has resided in current property for 6.00 years. ; Summary: UW Guides require 14.66 months reserves, loan qualified with 94.73 months reserves. ; Summary: Primary borrower has 16.66 years in field.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000324554

255_128_11312

11312

Credit

DTI Exceeds Guidelines

Guidelines reflect a DTI of 14.88%. Due to a miscalculation of debts to income, the actual DTI is 40.52%. Income  used includes total borrower income $XX,XXX.XX plus subject property positive rental income $0.00 plus other REO positive rental income $0.00. Total debt amount used is $XX,XXX.XX.

(2021-07-12) Client provided documentation to resolve. Condition cleared.

Summary: UW Guides require 10.74 months reserves, loan qualified with 521.48 months reserves. ; Summary: Primary borrower has 14.50 years in field.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000324554

255_128_18600

18600

Credit

Invalid AUS

The exception 'Invalid AUS' is cleared. From fields in template: How Was Loan Underwritten ---- AUS Assets ---- (Blank) CLTV ---- No DTI ---- No FICO ---- No Income ---- (Blank) Incorrect Figures ---- (Blank) Incorrect Loan Application ---- No LTV ---- No Occupancy ---- No Omission of Debt ---- (Blank) Other Debt ---- (Blank) Reserves ---- No Subject PITI ---- No Subject Property Address ---- (Blank) Wrong Loan Amount ---- (Blank)

(2021-07-12) Client provided documentation to resolve. Condition cleared.

Summary: UW Guides require 10.74 months reserves, loan qualified with 521.48 months reserves. ; Summary: Primary borrower has 14.50 years in field.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000324554

255_128_8735

8735

Credit

Missing Evidence of XXX Dues for REO2

Missing Evidence of XXX Dues for REO2

(2021-06-15) Appraisal showing XXX dues provided

(2021-06-15) Client provided appraisal showing XXX dues - condition cleared

Summary: UW Guides require 10.74 months reserves, loan qualified with 521.48 months reserves. ; Summary: Primary borrower has 14.50 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000324554

255_128_8718

8718

Credit

Missing Evidence of Insurance for REO2

Missing Evidence of Insurance for property 4 on final application

(2021-06-15) HO Ins for REO 2 provided

(2021-06-15) Client provided HO Ins for REO 2 - condition cleared

Summary: UW Guides require 10.74 months reserves, loan qualified with 521.48 months reserves. ; Summary: Primary borrower has 14.50 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000324554

255_128_12428

12428

Credit

Missing Evidence of Property Taxes for REO2

Evidence of property taxes for property 4  on the final application not provided.

(2021-06-15) appraisal showing annual taxes for REO provided

(2021-06-15) Client provided appraisal showing annual taxes on REO - condition cleared

Summary: UW Guides require 10.74 months reserves, loan qualified with 521.48 months reserves. ; Summary: Primary borrower has 14.50 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000324554

255_128_15997

15997

Credit

Required Documentation is Missing

The loan file is missing evidence of VOM and P&I payment for REO XXX XXXXXXXXXXXX XX.  Additionally, missing documentation for evidence of omission of debt for $XXX,XXX required by AUS.

(2021-06-15) Divorce decree provided confirming omission of debt

(2021-06-15) client provided divorce decreee verifying omission of debt.  Condition cleared

Summary: UW Guides require 10.74 months reserves, loan qualified with 521.48 months reserves. ; Summary: Primary borrower has 14.50 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000324554

255_128_-96366

-96366

Compliance

Charges That Cannot Increase Test

This loan passed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that do not exceed the good faith determination according to §1026.19(e)(3)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).

(2021-07-13) Condition Rescinded

Summary: UW Guides require 10.74 months reserves, loan qualified with 521.48 months reserves. ; Summary: Primary borrower has 14.50 years in field.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000324554

255_128_-96368

-96368

Compliance

Consummation or Reimbursement Date Validation Test

This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations.

(2021-07-13) Condition Rescinded

Summary: UW Guides require 10.74 months reserves, loan qualified with 521.48 months reserves. ; Summary: Primary borrower has 14.50 years in field.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000324554

255_128_17470

17470

Compliance

ECOA: Delivery of Appraisal/Valuation to Applicant Not Timely

ECOA: Delivery of Appraisal/Valuation to Applicant Not Timely

(2021-07-13) Client provided documentation to resolve. Condition cleared. (2021-07-12) Client provided documentation to resolve. Condition cleared.

Summary: UW Guides require 10.74 months reserves, loan qualified with 521.48 months reserves. ; Summary: Primary borrower has 14.50 years in field.

Cleared

2

1

B

A

B

A

B

A

B

A

B

A

Yes

0000324554

255_128_16939

16939

Compliance

E-Consent documentation on TRID loan is missing for borrower(s)

E-Consent documentation on TRID loan is missing for borrower(s)

(2021-07-12) Received required E-Consent documentation for borrower(s) (2021-07-12) Client provided documentation to resolve. Condition cleared.

Summary: UW Guides require 10.74 months reserves, loan qualified with 521.48 months reserves. ; Summary: Primary borrower has 14.50 years in field.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000324554

255_128_-96350

-96350

Compliance

Lender Credits Finding

This loan failed the initial closing disclosure lender credits finding. ( 12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F), and (D) as amended in XXXX )The initial closing disclosure contains a credit(s) that is not an allowable redisclosure under §1026.19(e)(3)(iv).

(2021-07-13) Condition Rescinded

Summary: UW Guides require 10.74 months reserves, loan qualified with 521.48 months reserves. ; Summary: Primary borrower has 14.50 years in field.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000324554

255_128_-96348

-96348

Compliance

Lender Credits That Cannot Decrease Test

This loan passed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains lender credits that do not exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) exceeds or equals the comparable sum of specific and non-specific lender credits ($0.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).

(2021-07-13) Condition Rescinded

Summary: UW Guides require 10.74 months reserves, loan qualified with 521.48 months reserves. ; Summary: Primary borrower has 14.50 years in field.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000324554

255_128_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS).

(2021-07-12) AUS Standards are now met and loan meets TQM standards. (2021-07-12) Client provided documentation to resolve. Condition cleared.

Summary: UW Guides require 10.74 months reserves, loan qualified with 521.48 months reserves. ; Summary: Primary borrower has 14.50 years in field.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000324554

255_128_-96369

-96369

Compliance

Reimbursement Amount Validation Test

This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

(2021-07-13) Condition Rescinded

Summary: UW Guides require 10.74 months reserves, loan qualified with 521.48 months reserves. ; Summary: Primary borrower has 14.50 years in field.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000324779

255_136_15965

15965

Compliance

Charges That in Total Cannot Increase More Than 10% Failure

This loan failed the charges that in total cannot increase more than 10% test. The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance. The final charges that in total cannot increase more than 10% exceed the comparable charges by more than 10%.

(2021-06-14) A revised disclosure was provided reflecting a valid change of circumstance allowing for the increase of the fees previously disclosed to the Borrower. (2021-06-14) Lender provided a required CD.  Condition is cleared.

Summary: UW Guides require 6.00 months reserves, loan qualified with 84.53 months reserves. ; Summary: UW guides maximum DTI of 36.46%, loan qualified with DTI of 29.10%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000324779

255_136_-96368

-96368

Compliance

Consummation or Reimbursement Date Validation Test

This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations.

(2021-07-13) Condition Rescinded

Summary: UW Guides require 6.00 months reserves, loan qualified with 84.53 months reserves. ; Summary: UW guides maximum DTI of 36.46%, loan qualified with DTI of 29.10%.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000324779

255_136_-96369

-96369

Compliance

Reimbursement Amount Validation Test

This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

(2021-07-13) Condition Rescinded

Summary: UW Guides require 6.00 months reserves, loan qualified with 84.53 months reserves. ; Summary: UW guides maximum DTI of 36.46%, loan qualified with DTI of 29.10%.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000325366

255_107_11312

11312

Credit

DTI Exceeds Guidelines

Guidelines reflect a DTI of 25.39%. Due to a miscalculation of debts to income, the actual DTI is 30.11%. Income  used includes total borrower income $X,XXX.XX plus subject property positive rental income $0.00 plus other REO positive rental income $X,XXX.XX. Total debt amount used is $X,XXX.XX. The discrepancy in DTI is related to OREO positive net rental income. Please provide lender calculation for further details.

(2021-06-07) Lender provided an updated acceptable AUS.  Condition is cleared.

Summary: UW Guides require 7.03 months reserves, loan qualified with 21.06 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000325366

255_107_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI,. DTI exceeds guidelines

(2021-06-07) AUS now meets TQM standards.  Condition is cleared.

Summary: UW Guides require 7.03 months reserves, loan qualified with 21.06 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000326460

255_138_1468

1468

Credit

Missing Evidence of XXX Dues for REO1

Missing Evidence of XXX Dues for REO1

(2021-06-17) Client provided XXX docs for property - condition cleared

Summary: UW guides maximum DTI of 38.58%, loan qualified with DTI of 33.57%. ; Summary: UW Guides require 17.02 months reserves, loan qualified with 191.50 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000326460

255_138_8735

8735

Credit

Missing Evidence of XXX Dues for REO2

Missing Evidence of XXX Dues for REO2

(2021-06-11) Lender provided evidence of the XXX Dues for REO 2, property address XXXXX XXXXXX.  XXX dues = 625.00.  Condition Cleared.

Summary: UW guides maximum DTI of 38.58%, loan qualified with DTI of 33.57%. ; Summary: UW Guides require 17.02 months reserves, loan qualified with 191.50 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000326460

255_138_8670

8670

Credit

Missing Evidence of XXX Dues for REO3

Missing Evidence of XXX Dues for REO3

(2021-06-17) Client provided XXX for REO property - condition cleared

Summary: UW guides maximum DTI of 38.58%, loan qualified with DTI of 33.57%. ; Summary: UW Guides require 17.02 months reserves, loan qualified with 191.50 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000326460

255_138_8671

8671

Credit

Missing Evidence of XXX Dues for REO4

Missing Evidence of XXX Dues for REO4

(2021-06-17) Client provided XXX docs for REO property - condition cleared

Summary: UW guides maximum DTI of 38.58%, loan qualified with DTI of 33.57%. ; Summary: UW Guides require 17.02 months reserves, loan qualified with 191.50 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000328044

255_360_11312

11312

Credit

DTI Exceeds Guidelines

The exception 'DTI Exceeds Guidelines' is cleared. From fields in template: Loan Type ---- Conventional Debt Ratio ---- 47.37 Guideline DTI with Tolerance ---- 47.371 The Approval  DTI of  47.37%. The Audit DTI of 51.62%.  The variance is because the Actual Total monthly payment for the Primary Residence is $X,XXX.XX while the approval had it at $X,XXX.XX.

(2021-07-14) The exception 'DTI Exceeds Guidelines' is cleared. (2021-07-12) The exception 'DTI Exceeds Guidelines' is cleared. (2021-06-15) The Approval  DTI of  47.37%. The Audit DTI of 51.62%.  The variance is because the Actual Total monthly payment for the Primary Residence is $X,XXX.XX while the approval had it at $X,XXX.XX.

Summary: Primary borrower has 7.78 years in field. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 14.76 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000328044

255_360_18600

18600

Credit

Invalid AUS

The exception 'Invalid AUS' is cleared. From fields in template: How Was Loan Underwritten ---- AUS Assets ---- No CLTV ---- No DTI ---- No FICO ---- No Income ---- No Incorrect Figures ---- No Incorrect Loan Application ---- No LTV ---- No Occupancy ---- No Omission of Debt ---- No Other Debt ---- No Reserves ---- No Subject PITI ---- No Subject Property Address ---- No Wrong Loan Amount ---- No

(2021-07-14) The exception 'Invalid AUS' is cleared. (2021-07-12) The exception 'Invalid AUS' is cleared.

Summary: Primary borrower has 7.78 years in field. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 14.76 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000328044

255_360_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  1 Fraud Report in file Borrower: No CoBorrower: ___ Borrower 3: ___ Borrower 4: ___

(2021-06-25) Lender provided the Third Party Fraud Report with OFAC Search.  Condition Cleared. (2021-06-24) Lender provided New Note and Final CD for primary residence, still needed Third Party Fraud Report with OFAC search, condition remains.

Summary: Primary borrower has 7.78 years in field. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 14.76 months reserves.

Cleared

2

1

B

A

B

A

B

A

B

A

B

A

Yes

0000328044

255_360_10748

10748

Credit

OFAC Search

The OFAC search was not provided. Borrowers on loan: 1  OFAC search in file:  Borrower: No CoBorrower:___ Borrower 3: ___ Borrower 4: ___

(2021-06-25) Lender provided the Third Party Fraud Report with OFAC Search.  Condition Cleared. (2021-06-24) Lender provided New Note and Final CD for primary residence, still needed Third Party Fraud Report with OFAC search, condition remains.

Summary: Primary borrower has 7.78 years in field. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 14.76 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000328044

255_360_15997

15997

Credit

Required Documentation is Missing

The loan file is missing evidence to support Omission of mortgage debt and copy of note with new P&I associated with the primary residence.  Additional conditions may apply.

(2021-06-24) Lender provided Note and final CD with new payment of $X,XXX.XX and omission of old mortgage with XXX, condition cleared. (2021-06-18) The loan file is missing evidence to support Omission of mortgage debt and copy of note with new P&I associated with the primary residence.  Additional conditions may apply.

Summary: Primary borrower has 7.78 years in field. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 14.76 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000328277

255_197_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is Missing, No CDA in File, No AVM in file, Field Review not required CU score missing due to Form 466 (exterior only appraisal) in file.

(2021-06-16) Client provided high value AVM - condition cleared

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000329766

255_378_1126

1126

Credit

CLTV exceeds guidelines

Lender guidelines requires a maximum CLTV of 58.55%.  However, the current CLTV of the subject is 59.09%. The appraisal or sales price value used was $XXX,XXX.XX having a loan purpose of  Refinance-CashOut.

(2021-06-29) Lender provided updated LP Showing LTV and CTLV at 59.09%, condition cleared.

Summary: The compensating factor 'Reserves are higher than guideline minimum' is removed. From fields in template: Guideline Reserves (Months) ---- (Blank) Guideline Min Cash Reserves ---- 10807.62 Remaining Reserves (Months) ---- 12.0215625641908 Remaining Reserves (Months) ---- 18.0215625641908 AUS/Guideline Reserves Required (Months) ---- 6 Reserves are higher than guideline minimum ---- No

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000329766

255_378_18600

18600

Credit

Invalid AUS

The exception 'Invalid AUS' is cleared. From fields in template: How Was Loan Underwritten ---- AUS Assets ---- No CLTV ---- No DTI ---- No FICO ---- No Income ---- No Incorrect Figures ---- No Incorrect Loan Application ---- No LTV ---- No Occupancy ---- No Omission of Debt ---- No Other Debt ---- No Reserves ---- No Subject PITI ---- No Subject Property Address ---- No Wrong Loan Amount ---- No

(2021-06-29) Lender provided updated LP Showing LTV and CTLV at 59.09%, condition cleared.

Summary: The compensating factor 'Reserves are higher than guideline minimum' is removed. From fields in template: Guideline Reserves (Months) ---- (Blank) Guideline Min Cash Reserves ---- 10807.62 Remaining Reserves (Months) ---- 12.0215625641908 Remaining Reserves (Months) ---- 18.0215625641908 AUS/Guideline Reserves Required (Months) ---- 6 Reserves are higher than guideline minimum ---- No

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000329766

255_378_1120

1120

Credit

LTV exceeds guidelines

Lender guidelines requires a maximum LTV of 58.55%.  However, the current LTV of the subject is 59.09%. The appraisal or sales price value used was $XXX,XXX.XX  having a loan purpose of  Refinance-CashOut.

(2021-06-29) Lender provided updated LP Showing LTV and CTLV at 59.09%, condition cleared.

Summary: The compensating factor 'Reserves are higher than guideline minimum' is removed. From fields in template: Guideline Reserves (Months) ---- (Blank) Guideline Min Cash Reserves ---- 10807.62 Remaining Reserves (Months) ---- 12.0215625641908 Remaining Reserves (Months) ---- 18.0215625641908 AUS/Guideline Reserves Required (Months) ---- 6 Reserves are higher than guideline minimum ---- No

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000331450

255_379_10749

10749

Credit

Fraud Alert not verified - Borrower 1

The Third Party Fraud Report reflects a fraud alert. The loan file does not contain evidence the lender addressed the alert. Red Flag 1 ___ Red Flag 2 ___ Red Flag 3 ___ Red Flag 4 ___

(2021-06-30) Condition cleared (2021-06-25) The Third Party Fraud Report reflects fraud alerts.  Evidence the Lender addressed the alert not provided for:  XXXXXX XXXX X XXXXXX XX XXXXX is not disclosed.

Summary: Borrower has resided in current property for 7.00 years.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000331450

255_379_1471

1471

Credit

Missing Evidence that Second Home is Owned Free and Clear

Missing Evidence that Second Home is Owned Free and Clear

(2021-06-25) Lender provided acceptable evidence the second home is free and clear.  Condition is cleared.

Summary: Borrower has resided in current property for 7.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000331450

255_379_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is Missing, Unknown, Unknown, Unknown

(2021-06-25) Client provided CDA that supports value at origination, condition cleared.

Summary: Borrower has resided in current property for 7.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000332054

255_262_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  1 Fraud Report in file Borrower: No CoBorrower: ___ Borrower 3: ___ Borrower 4: ___

(2021-06-21) Lender provided an acceptable fraud report with OFAC search.  Condition is cleared.

Summary: UW Guides require 6.00 months reserves, loan qualified with 93.93 months reserves. ; Summary: Primary borrower has 12.25 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000332899

255_380_1811

1811

Credit

Insufficient asset documentation in file - assets do not cover closing costs

Verified assets of $XX,XXX.XX less cash to close $XXX,XXX.XX and less unverified earnest money $0.00 results in $-XX,XXX.XX shortage of funds to close. The Final Application stated higher assets with other accounts but the file is missing the verification.

(2021-06-25) Lender provided 2 months bank statements for asset accounts# 2, #3 and #4 on Final Application.  Condition Cleared.

Cleared

2

1

B

A

B

A

B

A

B

A

B

A

Yes

0000332899

255_380_11547

11547

Credit

Insufficient Reserves

Verified assets of  $XX,XXX.XX minus cash to close of  $XXX,XXX.XX minus the unverified earnest money deposit of $0.00 equates to -28.77 months of reserves, or $-XX,XXX.XX, which is less than the required 10.44 months reserves, totaling $XX,XXX.XX. The Final Application stated higher assets with other accounts but the file is missing the verification.

(2021-06-25) Lender provided 1 month bank statement for asset accounts # 2, #3 and #4 on Final Application which is sufficient funds to cover required reserves of $XX,XXX.XX and funds to close of $XXX,XXX.XX.  Condition Cleared.

Cleared

2

1

B

A

B

A

B

A

B

A

B

A

Yes

0000332899

255_380_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with  Reserves,.

(2021-06-25) Lender provided 1 month bank statement for asset accounts # 2, #3 and #4 on Final Application which is sufficient funds to cover required reserves of $XX,XXX.XX and funds to close of $XXX,XXX.XX.  Condition Cleared.

Cleared

2

1

B

A

B

A

B

A

B

A

B

A

Yes

0000332899

255_380_1454

1454

Credit

Missing Evidence of Insurance for Primary Residence

Missing Evidence of Insurance for Primary Residence

(2021-06-25) Lender provided the CD for Borrower's Primary Residence evidencing insurance payment of $XXX.XX/month.  Condition Cleared.

Cleared

2

1

B

A

B

A

B

A

B

A

B

A

Yes

0000332899

255_380_1451

1451

Credit

Missing Evidence of Property Taxes for Primary Residence

Missing Evidence of Property Taxes for Primary Residence

(2021-06-25) Lender provided the CD for Borrower's Primary Residence evidencing tax payment of $XXX.XX/month.  Condition Cleared.

Cleared

2

1

B

A

B

A

B

A

B

A

B

A

Yes

0000332899

255_380_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS).

(2021-06-25) Change status of 'Non-TQM - Failing AUS' from Cured Post Close to Cleared. Lender provided 1 month bank statement for asset accounts # 2, #3 and #4 on Final Application which is sufficient funds to cover required reserves of $XX,XXX.XX and funds to close of $XXX,XXX.XX.  Condition Cleared. (2021-06-25) Lender provided 1 month bank statement for asset accounts # 2, #3 and #4 on Final Application which is sufficient funds to cover required reserves of $XX,XXX.XX and funds to close of $XXX,XXX.XX.  Condition Cleared.

Cleared

2

1

B

A

B

A

B

A

B

A

B

A

Yes

0000334828

255_159_18249

18249

Credit

Missing Evidence of Self Employment - Borrower 1 S Corporation

Borrower 1 is self-employed and is missing verification of self-employment dated within 14 prior to the Note date on the S corporation listed in position 1 on the application.  Documentation Requirements: Allow CPA Letter or Business License or other valid verification.  Status of possible documentation for verification of self-employment:  CPA letter is Not in File, Business license is dated more than the maximum allowable days prior to the Note date, Other verification is Not in File.  The note date is XX/XX/XXXX.   There is no evidence indicating the loan had been delivered to the XXX. ___ Evidence business is open and operating within 20 business days of the Note date is missing for business listed in position 1 on the final application; as required per updated guidelines due to COVID.

(2021-06-17) Client provided verbal verification of borrower's self employment business within 10 days of closing, along with verification of business license being active post-closing - condition cleared (2021-06-11) Lender provided the same business license that is already present in the file dated XX/XX/XXXX, License needs to be re-verified within 10 days of the Note date of XX/XX/XXXX, condition remains.

Summary: Primary borrower has 8.30 years in field. ; Summary: Borrower has 8.30 years self employed. ; Summary: UW Guides require 8.66 months reserves, loan qualified with 58.68 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000334828

255_159_18436

18436

Credit

Missing Evidence of Self Employment - CoBorrower S Corporation

CoBorrower is self-employed and is missing verification of self-employment dated within 14 prior to the Note date on the S corporation listed in position 1 on the application.  Documentation Requirements: Allow CPA Letter or Business License or other valid verification.  Status of possible documentation for verification of self-employment:  CPA letter is Not in File, Business license is dated more than the maximum allowable days prior to the Note date, Other verification is Not in File.  The note date is XX/XX/XXXX.   There is no evidence indicating the loan had been delivered to the XXX. ___ Evidence business is open and operating within 20 business days of the Note date is missing for business listed in position 1 on the final application; as required per updated guidelines due to COVID.

(2021-06-17) Client provided verbal verification of co-borrower's self employment business within 10 days of closing, along with verification of business license being active post-closing - condition cleared (2021-06-11) Lender provided the same business license that is already present in the file dated XX/XX/XXXX, License needs to be re-verified within 10 days of the Note date of XX/XX/XXXX, condition remains.

Summary: Primary borrower has 8.30 years in field. ; Summary: Borrower has 8.30 years self employed. ; Summary: UW Guides require 8.66 months reserves, loan qualified with 58.68 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000338183

255_139_1470

1470

Credit

Missing Evidence that Primary Residence is Owned Free and Clear

Missing Evidence that Primary Residence is Owned Free and Clear

(2021-06-09) Lender provided an open lien report showing the primary residence is free and clear.  Condition is cleared.

Summary: UW Guides require 7.81 months reserves, loan qualified with 75.69 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000338183

255_139_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is above 2.5, No CDA in File, No AVM in file, Field Review not required

(2021-06-16) Client provided high value AVM - condition cleared

Summary: UW Guides require 7.81 months reserves, loan qualified with 75.69 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000338183

255_139_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  2 Fraud Report in file Borrower: No CoBorrower: No Borrower 3: ___ Borrower 4: ___

(2021-06-09) Lender provided an acceptable fraud report.  Condition is cleared.

Summary: UW Guides require 7.81 months reserves, loan qualified with 75.69 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000342747

255_172_1472

1472

Credit

Borrower's financed properties exceed guideline maximum

A borrower is not eligible for financing if they currently have 3 financed properties.  Per the schedule of real estate owned, the borrower(s) currently (has/have) 6 financed properties, which makes them ineligible for financing.

(2021-06-08) Rescind.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000342747

255_172_1175

1175

Credit

Credit score does not meet guidelines

The exception 'Credit score does not meet guidelines' is cleared. From fields in template: Final FICO Utilized ---- 756 Guideline FICO ---- 756

(2021-07-13) Condition cleared

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000342747

255_172_18600

18600

Credit

Invalid AUS

The exception 'Invalid AUS' is cleared. From fields in template: How Was Loan Underwritten ---- AUS Assets ---- No CLTV ---- No DTI ---- No FICO ---- No Income ---- No Incorrect Figures ---- No Incorrect Loan Application ---- No LTV ---- No Occupancy ---- No Omission of Debt ---- No Other Debt ---- No Reserves ---- No Subject PITI ---- No Subject Property Address ---- No Wrong Loan Amount ---- No

(2021-07-13) Condition cleared

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000343147

255_171_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is above 2.5, No CDA in File, No AVM in file, No Field Review in file

(2021-06-16) Client provided high value AVM - condition cleared

Summary: Primary borrower has 9.75 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000344093

255_109_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to ___ if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI,.

(2021-06-07) initial CD provided - does not address issue - condition is active

(2021-06-07) Condition cleared with receipt of missing AUS (2021-06-07) initial CD provided - does not address issue - condition is active

Summary: Primary borrower has 13.75 years in field. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 96.55 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000344093

255_109_932

932

Credit

Missing AUS results

Missing AUS results.

(2021-06-07) AUS provided (2021-06-07) initial CD provided - does not address issue - condition is active

(2021-06-07) Client provided missing AUS - condition cleared (2021-06-07) initial CD provided - does not address issue - condition is active

Summary: Primary borrower has 13.75 years in field. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 96.55 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000344093

255_109_15210

15210

Compliance

AIO HELOC has HUD1/ ATLA with inaccurate dates

AIO HELOC transaction has HUD1/ ALTA with inaccurate dates.

(2021-06-14) N/A

Summary: Primary borrower has 13.75 years in field. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 96.55 months reserves.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000344093

255_109_16940

16940

Compliance

E-Consent documentation on Pre-TRID loan is missing for borrower(s)

E-Consent documentation on Pre-TRID loan is missing for borrower(s)

(2021-06-14) E-consent documentation is in file.

Summary: Primary borrower has 13.75 years in field. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 96.55 months reserves.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000344093

255_109_-96350

-96350

Compliance

Lender Credits Finding

This loan failed the initial closing disclosure lender credits finding. ( 12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F), and (D) as amended in XXXX  )The initial closing disclosure contains a credit(s) that is not an allowable redisclosure under §1026.19(e)(3)(iv).

(2021-06-07) Initial CD provided

(2021-06-07) Client provided initial CD which did not address issue - condition is active

Summary: Primary borrower has 13.75 years in field. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 96.55 months reserves.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000344093

255_109_-97090

-97090

Compliance

RESPA Originator Compensation Validation Test

This loan failed the RESPA originator compensation validation test. This loan contains a fee or fees where "compensation to" is set to either "Lender" or "Broker," but this fee or fees should not be retained by the lender or broker. Line 801 "Our Origination Charge" should include all charges received by the loan originator(s), except any charge for the specific interest rate chosen (points) that are entered in line 802 "Your Credit or Charge."  In addition, per diem interest and additional settlement charges not included in other sections which are disclosed in the 1300 series may be retained by the originator(s). All items in the 1000, 1100, and 1200 series should not be retained by the lender or broker. Additionally, fees for third party services that the lender requires and selects (lines 804 - 807), mortgage and homeowner's insurance premiums (lines 902 - 903), and required services that you can shop for in the 1301 section should not be retained by the lender or broker.

(2021-07-13) Condition Rescinded

Summary: Primary borrower has 13.75 years in field. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 96.55 months reserves.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000344226

255_278_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is Missing, No CDA in File, No AVM in file, Field Review not required

(2021-06-15) Lender provided an acceptable CDA.  Condition is cleared.

Summary: UW Guides require 14.70 months reserves, loan qualified with 68.93 months reserves. ; Summary: Primary borrower has 10.67 years in field. ; Summary: Refinance reduces rate from 5.75% to 3.25%. ; Summary: Refinance reduces total housing payment by  $-XXXX.XX.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000346055

255_112_1818

1818

Credit

Missing Trust Documentation

Missing Trust Documentation The Certification of Trust in file is not executed by the borrower.

(2021-06-07) Client provided missing documents

(2021-06-07) Client provided proof of trust documents

Summary: Primary borrower has 17.90 years in field. ; Summary: UW Guides require 11.56 months reserves, loan qualified with 66.48 months reserves. ; Summary: Borrower has 17.90 years self employed.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000347343

255_108_18270

18270

Credit

Missing Evidence of Self Employment - Borrower 1 Schedule C Business

Borrower 1 is self-employed and is missing verification of self-employment dated within XX prior to the Note date on the schedule C business listed in position 1 on the application.  Documentation Requirements: Allow CPA Letter or Business License or other valid verification.  Status of possible documentation for verification of self-employment:  CPA letter is Not in File, Business license is Not in File, Other verification is Not in File.  The note date is X/X/XXXX.   There is no evidence indicating the loan had been delivered to the GSE. ___

(2021-07-12) Client provided documentation to resolve. Condition cleared.

Summary: Primary borrower has 24.25 years in field. ; Summary: Borrower has 24.25 years self employed. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 12.33 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000349194

255_183_11312

11312

Credit

DTI Exceeds Guidelines

Guidelines reflect a DTI of 48.38%. Due to a miscalculation of debts to income, the actual DTI is 67.93%. Income  used includes total borrower income $XXXXX.XX plus subject property positive rental income $0.00 plus other REO positive rental income $0.00. Total debt amount used is $XXXXX.XX. Guidelines reflect DTI of 48%. Due to the miscalculation of debt, the actual DTI is 67.93%. The PITI for REO 2 and REO 3 listed on the final application are not included in the DTI. Missing evidence of rental income for the subject and/or rental properties.

(2021-06-17) client provided tax returns and rental information that cleared DTI issue - condition cleared

Summary: UW Guides require 6.03 months reserves, loan qualified with 72.14 months reserves. ; Summary: Coborrower has 5.10 years in field.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000349194

255_183_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI,.

(2021-06-17) Client provided tax returns and rental information that updated DTI and validated AUS - condition cleared

Summary: UW Guides require 6.03 months reserves, loan qualified with 72.14 months reserves. ; Summary: Coborrower has 5.10 years in field.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000349250

255_323_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  2 Fraud Report in file Borrower: No CoBorrower: No Borrower 3: ___ Borrower 4: ___

(2021-06-24) Lender provided Fraud report with OFAC Search, Condition cleared.

Summary: Primary borrower has 11.08 years in field. ; Summary: UW Guides require 8.57 months reserves, loan qualified with 68.83 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000349250

255_323_10748

10748

Credit

OFAC Search

The OFAC search was not provided. Borrowers on loan: 2  OFAC search in file:  Borrower: No CoBorrower:No Borrower 3: ___ Borrower 4: ___

(2021-06-24) Lender provided Fraud report with OFAC Search, Condition cleared.

Summary: Primary borrower has 11.08 years in field. ; Summary: UW Guides require 8.57 months reserves, loan qualified with 68.83 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000349857

255_147_1472

1472

Credit

Borrower's financed properties exceed guideline maximum

A borrower is not eligible for financing if they currently have 6 financed properties.  Per the schedule of real estate owned, the borrower(s) currently (has/have) 7 financed properties, which makes them ineligible for financing.

(2021-06-28) Client provided an updated AUS with the correct number of financed properties and reserves, cleared.

Summary: UW Guides require 17.62 months reserves, loan qualified with 236.76 months reserves. ; Summary: Primary borrower has 9.00 years in field. ; Summary: Borrower has 9.00 years self employed.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000349857

255_147_11312

11312

Credit

DTI Exceeds Guidelines

Guidelines reflect a DTI of 33.00%. Due to a miscalculation of debts to income, the actual DTI is 34.77%. Income  used includes total borrower income $XXXXX.XX plus subject property positive rental income $0.00 plus other REO positive rental income $0.00. Total debt amount used is $XXXX.XX.

(2021-07-14) Client provided documentation to resolve. Condition cleared. (2021-07-12) Client provided documentation to resolve. Condition cleared.

Summary: UW Guides require 17.62 months reserves, loan qualified with 236.76 months reserves. ; Summary: Primary borrower has 9.00 years in field. ; Summary: Borrower has 9.00 years self employed.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000349857

255_147_16577

16577

Credit

Excessive Seller Concessions

Lender guidelines allow maximum seller concessions of 2.00%  or $0.00 for this transaction.  According to the Closing Disclosure, the borrower(s) received  $XXXX.XX or 1.64% seller concessions

(2021-07-13) Condition is cleared

Summary: UW Guides require 17.62 months reserves, loan qualified with 236.76 months reserves. ; Summary: Primary borrower has 9.00 years in field. ; Summary: Borrower has 9.00 years self employed.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000349857

255_147_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with  Income,.

(2021-06-17) All missing documents submitted by client - AUS is valid - condition cleared

Summary: UW Guides require 17.62 months reserves, loan qualified with 236.76 months reserves. ; Summary: Primary borrower has 9.00 years in field. ; Summary: Borrower has 9.00 years self employed.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000349857

255_147_1451

1451

Credit

Missing Evidence of Property Taxes for Primary Residence

Missing Evidence of Property Taxes for Primary Residence

(2021-06-17) Client provided tax information for primary residence (XXX XXXXXXXXX XX) - condition cleared

Summary: UW Guides require 17.62 months reserves, loan qualified with 236.76 months reserves. ; Summary: Primary borrower has 9.00 years in field. ; Summary: Borrower has 9.00 years self employed.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000349857

255_147_5139

5139

Credit

Missing Evidence of Property Taxes for REO8

Evidence of property taxes for property 8  on the final application not provided.

(2021-06-17) Client provided mortgage statement showing taxes and insurance are escrowed - condition cleared

Summary: UW Guides require 17.62 months reserves, loan qualified with 236.76 months reserves. ; Summary: Primary borrower has 9.00 years in field. ; Summary: Borrower has 9.00 years self employed.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000349857

255_147_1469

1469

Credit

Missing Evidence that REO1 Property is Owned Free and Clear

Missing Evidence that REO1 Property is Owned Free and Clear

(2021-06-17) Client provided HO Ins reflecting REO1 property (XXX XXXXX XX XXX X) is owned Free & Clear; no loss payee referenced - condition cleared

Summary: UW Guides require 17.62 months reserves, loan qualified with 236.76 months reserves. ; Summary: Primary borrower has 9.00 years in field. ; Summary: Borrower has 9.00 years self employed.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000349857

255_147_5132

5132

Credit

Missing Evidence that REO5 Property is Owned Free and Clear

Missing Evidence that REO5 Property is Owned Free and Clear

(2021-07-13) Condition is cleared

Summary: UW Guides require 17.62 months reserves, loan qualified with 236.76 months reserves. ; Summary: Primary borrower has 9.00 years in field. ; Summary: Borrower has 9.00 years self employed.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000349857

255_147_5135

5135

Credit

Missing Evidence that REO6 Property is Owned Free and Clear

Missing Evidence that REO6 Property is Owned Free and Clear

(2021-06-17) Client provided HO Ins form reflecting no mortgagee/loss payee for REO 6 property (XXXX XXX XXXX) - condition cleared

Summary: UW Guides require 17.62 months reserves, loan qualified with 236.76 months reserves. ; Summary: Primary borrower has 9.00 years in field. ; Summary: Borrower has 9.00 years self employed.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000349857

255_147_5152

5152

Credit

Missing Evidence that REO8 Property is Owned Free and Clear

Missing Evidence that REO8 Property is Owned Free and Clear

(2021-07-14) Client provided documentation to resolve. Condition cleared. (2021-07-12) Client provided documentation to resolve. Condition cleared.

Summary: UW Guides require 17.62 months reserves, loan qualified with 236.76 months reserves. ; Summary: Primary borrower has 9.00 years in field. ; Summary: Borrower has 9.00 years self employed.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000349857

255_147_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  1 Fraud Report in file Borrower: No CoBorrower: ___ Borrower 3: ___ Borrower 4: ___

(2021-06-17) Client provided XXXXXXXXXX report - condition cleared

Summary: UW Guides require 17.62 months reserves, loan qualified with 236.76 months reserves. ; Summary: Primary borrower has 9.00 years in field. ; Summary: Borrower has 9.00 years self employed.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000349857

255_147_15997

15997

Credit

Required Documentation is Missing

Missing evidence of  mortgage payment for X/XX/XXXX for the Primary residence  XXX XXXXXX XXXX, XX XXXXXXXXX XX and XX XXXXXXX XX. Missing evidence of mortgage payment for X/XX/XXXX and X/X/XXXX for XXXX XXXXX.

(2021-06-17) Client provided credit supplement verifying mortgage payments for XX/XX & XX/XX for all REO properties - condition cleared

Summary: UW Guides require 17.62 months reserves, loan qualified with 236.76 months reserves. ; Summary: Primary borrower has 9.00 years in field. ; Summary: Borrower has 9.00 years self employed.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000349857

255_147_16940

16940

Compliance

E-Consent documentation on Pre-TRID loan is missing for borrower(s)

E-Consent documentation on Pre-TRID loan is missing for borrower(s)

(2021-06-17) Received required E-Consent documentation for borrower(s) (2021-06-17) Client provided E-Consent documentation

Summary: UW Guides require 17.62 months reserves, loan qualified with 236.76 months reserves. ; Summary: Primary borrower has 9.00 years in field. ; Summary: Borrower has 9.00 years self employed.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000349857

255_147_-96350

-96350

Compliance

Lender Credits Finding

This loan failed the initial closing disclosure lender credits finding. ( 12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F), and (D) as amended in XXXX )The initial closing disclosure contains a credit(s) that is not an allowable redisclosure under §1026.19(e)(3)(iv).

(2021-07-14) Condition cleared. (2021-07-12) Client provided documentation to resolve. Condition cleared.

Summary: UW Guides require 17.62 months reserves, loan qualified with 236.76 months reserves. ; Summary: Primary borrower has 9.00 years in field. ; Summary: Borrower has 9.00 years self employed.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000349857

255_147_16071

16071

Compliance

Lender Credits Finding

This loan failed the revised LE lender credits test finding due to one of the following reasons:The revised loan estimate contains a credit(s) that is not an allowable  redisclosure. The disclosure was not delivered timely; or the sum of the specific and non-specific lender credits decreased.

(2021-07-14) Condition Rescinded

Summary: UW Guides require 17.62 months reserves, loan qualified with 236.76 months reserves. ; Summary: Primary borrower has 9.00 years in field. ; Summary: Borrower has 9.00 years self employed.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000349857

255_147_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS).

(2021-07-14) Rescind

Summary: UW Guides require 17.62 months reserves, loan qualified with 236.76 months reserves. ; Summary: Primary borrower has 9.00 years in field. ; Summary: Borrower has 9.00 years self employed.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000349857

255_147_-97090

-97090

Compliance

RESPA Originator Compensation Validation Test

This loan failed the RESPA originator compensation validation test. This loan contains a fee or fees where "compensation to" is set to either "Lender" or "Broker," but this fee or fees should not be retained by the lender or broker. Line 801 "Our Origination Charge" should include all charges received by the loan originator(s), except any charge for the specific interest rate chosen (points) that are entered in line 802 "Your Credit or Charge."  In addition, per diem interest and additional settlement charges not included in other sections which are disclosed in the 1300 series may be retained by the originator(s). All items in the 1000, 1100, and 1200 series should not be retained by the lender or broker. Additionally, fees for third party services that the lender requires and selects (lines 804 - 807), mortgage and homeowner's insurance premiums (lines 902 - 903), and required services that you can shop for in the 1301 section should not be retained by the lender or broker.

(2021-07-14) Condition is cleared (2021-07-12) Client provided documentation to resolve. Condition cleared.

Summary: UW Guides require 17.62 months reserves, loan qualified with 236.76 months reserves. ; Summary: Primary borrower has 9.00 years in field. ; Summary: Borrower has 9.00 years self employed.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000350951

255_115_18249

18249

Credit

Missing Evidence of Self Employment - Borrower 1 S Corporation

Borrower 1 is self-employed and is missing verification of self-employment dated within 14 prior to the Note date on the S corporation listed in position 1 on the application.  Documentation Requirements: Allow CPA Letter or Business License or other valid verification.  Status of possible documentation for verification of self-employment:  CPA letter is Not in File, Business license is Not in File, Other verification is Not in File.  The note date is X/XX/XXXX.   There is no evidence indicating the loan had been delivered to the GSE. ___ Evidence business is open and operating within 10 business days of the Note date is missing; as required per updated guidelines due to COVID.

(2021-06-09) Lender provided verification of the Borrower's Business 1 S Corporation -  XX XXXXXXXXXXXXX, dated XX/XX/XXXX.  Condition Cleared.

Summary: Primary borrower has 19.25 years in field. ; Summary: Borrower has 19.25 years self employed. ; Summary: UW Guides require 57.33 months reserves, loan qualified with 363.68 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000350951

255_115_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  1 Fraud Report in file Borrower: No CoBorrower: ___ Borrower 3: ___ Borrower 4: ___

(2021-06-09) Lender provided the Third Party Fraud Tool with OFAC.  Red Flags were all addressed.  Condition Cleared.

Summary: Primary borrower has 19.25 years in field. ; Summary: Borrower has 19.25 years self employed. ; Summary: UW Guides require 57.33 months reserves, loan qualified with 363.68 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000350951

255_115_10748

10748

Credit

OFAC Search

The OFAC search was not provided. Borrowers on loan: 1  OFAC search in file:  Borrower: No CoBorrower:___ Borrower 3: ___ Borrower 4: ___

(2021-06-09) Lender provided Third Party Fraud tool with OFAC on pages 29/30.  Condition Cleared.

Summary: Primary borrower has 19.25 years in field. ; Summary: Borrower has 19.25 years self employed. ; Summary: UW Guides require 57.33 months reserves, loan qualified with 363.68 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000352425

255_309_11312

11312

Credit

DTI Exceeds Guidelines

Guidelines reflect a DTI of 17.78%. Due to a miscalculation of debts to income, the actual DTI is 23.34%. Income  used includes total borrower income $XXXX.XX plus subject property positive rental income $0.00 plus other REO positive rental income $0.00. Total debt amount used is $XXXX.XX.

(2021-06-28) Lender provided an acceptable AUS.  Condition is cleared.

Summary: UW Guides require 6.00 months reserves, loan qualified with 89.48 months reserves. ; Summary: Primary borrower has 12.90 years in field. ; Summary: Refinance reduces rate from 4.75% to 3.38%. ; Summary: Refinance reduces total housing payment by  $-XXX.XX.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000352425

255_309_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI,.

(2021-06-28) Lender provided an acceptable AUS.  Condition is cleared.

Summary: UW Guides require 6.00 months reserves, loan qualified with 89.48 months reserves. ; Summary: Primary borrower has 12.90 years in field. ; Summary: Refinance reduces rate from 4.75% to 3.38%. ; Summary: Refinance reduces total housing payment by  $-XXX.XX.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000352448

255_140_1175

1175

Credit

Credit score does not meet guidelines

Credit score of 0 is less than  776, the minimum credit score required per lender guidelines

(2021-06-17) Client provided credit report for borrower - condition cleared

Summary: UW Guides require 8.64 months reserves, loan qualified with 20.29 months reserves. ; Summary: Primary borrower has 21.75 years in field.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000352448

255_140_11312

11312

Credit

DTI Exceeds Guidelines

Guidelines reflect a DTI of 44.47%. Due to a miscalculation of debts to income, the actual DTI is 46.16%. Income  used includes total borrower income $XXXXX.XX plus subject property positive rental income $0.00 plus other REO positive rental income $0.00. Total debt amount used is $XXXX.XX.

(2021-06-17) DTI ratio cleared - condition cleared

Summary: UW Guides require 8.64 months reserves, loan qualified with 20.29 months reserves. ; Summary: Primary borrower has 21.75 years in field.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000352448

255_140_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI, FICO,.

(2021-06-17) AUS valid - condition cleared

Summary: UW Guides require 8.64 months reserves, loan qualified with 20.29 months reserves. ; Summary: Primary borrower has 21.75 years in field.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000352448

255_140_959

959

Credit

Missing Credit Report - Borrower

A credit report for the borrower was not provided.

(2021-06-17) Client provided credit report for borrower - condition cleared

Summary: UW Guides require 8.64 months reserves, loan qualified with 20.29 months reserves. ; Summary: Primary borrower has 21.75 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000352448

255_140_724

724

Credit

Missing Credit Report - Coborrower

A credit report for the coborrower was not provided.

(2021-06-17) CoBorrower credit report indicator is Present (2021-06-17) Client provided credit report for co-borrower - condition cleared

Summary: UW Guides require 8.64 months reserves, loan qualified with 20.29 months reserves. ; Summary: Primary borrower has 21.75 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000352448

255_140_1466

1466

Credit

Missing Evidence of XXX Dues for Primary Residence

Missing Evidence of XXX Dues for Primary Residence

(2021-06-17) Primary residence has no XXX - condition cleared

Summary: UW Guides require 8.64 months reserves, loan qualified with 20.29 months reserves. ; Summary: Primary borrower has 21.75 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000352448

255_140_1454

1454

Credit

Missing Evidence of Insurance for Primary Residence

Missing Evidence of Insurance for Primary Residence

(2021-06-17) Client provided CD with HO ins verification on primary residence refinance - condition cleared

Summary: UW Guides require 8.64 months reserves, loan qualified with 20.29 months reserves. ; Summary: Primary borrower has 21.75 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000352448

255_140_8718

8718

Credit

Missing Evidence of Insurance for REO2

Missing Evidence of Insurance for property 3 on final application

(2021-06-17) Client provided evidence of insurance for XXXX XXXX - condition cleared (2021-06-17) No escrows on XXXX XXXX REO - no evidence of current insurance coverage in file.  Condition remains open

Summary: UW Guides require 8.64 months reserves, loan qualified with 20.29 months reserves. ; Summary: Primary borrower has 21.75 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000352448

255_140_17344

17344

Credit

Missing Paystubs (Borrower 1)

Borrower 1 is missing valid Paystubs or other written verification of employment for the job listed in position  1 on the application

(2021-06-17) Client provided updated paystubs for borrower 1 - condition cleared

Summary: UW Guides require 8.64 months reserves, loan qualified with 20.29 months reserves. ; Summary: Primary borrower has 21.75 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000352448

255_140_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is above 2.5, No CDA in File, No AVM in file, No Field Review in file

(2021-06-16) Client provided high quality AVM - condition cleared

Summary: UW Guides require 8.64 months reserves, loan qualified with 20.29 months reserves. ; Summary: Primary borrower has 21.75 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000352922

255_259_10285

10285

Credit

Incomplete AUS Results

AUS Results are incomplete. AUS (LP) results in file is incomplete.  Missing Loan-to-Value Ratios, Mortgage Details, Transaction Detail, Data Quality and System Messages, Assets and Reserves Messages, and Credit and Liabilities Messages.  Additional conditions may apply.

(2021-07-01) AUS condition cleared (2021-06-23) AUS/LP still showing as incomplete due important information was cutoff- Loan to Ratios value- LTV/CLTV, Mortgage Details, and Transaction details, condition remains.

Summary: Borrower has resided in current property for 10.50 years. ; Summary: UW Guides require 17.52 months reserves, loan qualified with 19.26 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000352922

255_259_5128

5128

Credit

Missing Evidence that REO2 Property is Owned Free and Clear

Missing Evidence that REO2 Property is Owned Free and Clear Missing evidence XXXX X XXX XX is owned free and clear as reflected on final loan application.

(2021-06-23) Lender provided final CD for XXXX XXXXXXXXXX XX showing payoff of this mortgages of XXXX X XXX XXXX and XXXX X XXXXX XX, condition cleared.

Summary: Borrower has resided in current property for 10.50 years. ; Summary: UW Guides require 17.52 months reserves, loan qualified with 19.26 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000352922

255_259_5130

5130

Credit

Missing Evidence that REO4 Property is Owned Free and Clear

Missing Evidence that REO4 Property is Owned Free and Clear Evidence departing residence/property #6  on the final application is free & clear not provided. Missing evidence XXXX XXXX XXXX XXXXXX is owned free and clear as reflected on final loan application.

(2021-06-30) Lender provided CD of multi-pack loan that proved the lien was paid and the property is free and clear. (2021-06-28) Lender provided a CD from the refinance of XXXX X XXXX XXXXXX.  However, the file is missing evidence REO4 (XXXX X XXXX, XXXXXXX, XX) is free and clear.  Condition remains. (2021-06-23) Lender provided final CDs for XXXX XXXXXXXXXX XX with payoffs for 2 properties, XXX XXXXXXXXX shows 2 mortgage being paid off but not listing which properties are being paid off, still need proof of payoff of REO #6 located at XXXX X XXXX, condition remains.

Summary: Borrower has resided in current property for 10.50 years. ; Summary: UW Guides require 17.52 months reserves, loan qualified with 19.26 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000352922

255_259_5152

5152

Credit

Missing Evidence that REO8 Property is Owned Free and Clear

Missing Evidence that REO8 Property is Owned Free and Clear Evidence departing residence/property #10  on the final application is (are) free & clear not provided. Missing evidence XXXX XXXXX XXXXX XXXXXX is owned free and clear as reflected on final loan application.

(2021-06-30) Lender provided a CD showing a mult-pack refinance and is evidence the property is free and clear.

Summary: Borrower has resided in current property for 10.50 years. ; Summary: UW Guides require 17.52 months reserves, loan qualified with 19.26 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000352922

255_259_15997

15997

Credit

Required Documentation is Missing

The loan file is missing evidence of principal and interest payments for properties located at XXXX XXXXXXXXXX XXXXXX, XXXX XXXX XXXXXXX XXXXX, XXXX X XXXX XXXXXX, and XXX XXXX XXXXXXXXX XXXXXX.  Final loan application indicates properties were all recently refinanced. File does not contain documentation supporting new P&I payments.  Additional conditions may apply. Missing proof mortgages paid off for  properties located at XXXX XXXXX XXX XXXXXX and XXXX XXXXX XXXXX XXXXXX as indicated on final loan application.  FIle contains mortgage statements indicating XX/XX/XXXX payments are due.  Additional conditions may apply.

(2021-06-23) Lender provided Final CDs for XXXX XXXXXXXXXX XXXXXX, XXXX XXXX XXXXXXX XXXXX, XXXX X XXXX XXXXXX, and XXX XXXX XXXXXXXXX XXXXXX, condition cleared.

Summary: Borrower has resided in current property for 10.50 years. ; Summary: UW Guides require 17.52 months reserves, loan qualified with 19.26 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000352922

255_259_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS). Loan does not meet criteria for Temporary Qualified Mortgage due to incompleted AUS and missing documents for rental properties.

(2021-06-30) AUS Standards are now met and loan meets TQM standards. (2021-06-30) AUS Standards are now met and loan meets TQM standards. (2021-06-23) Loan does not meet criteria for Temporary Qualified Mortgage due to missing proof of payoff or free and clear for REO #6 located at XXXX X XXXX and Incompleted AUS/LP, condition remains.

Summary: Borrower has resided in current property for 10.50 years. ; Summary: UW Guides require 17.52 months reserves, loan qualified with 19.26 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000353417

255_206_1469

1469

Credit

Missing Evidence that REO1 Property is Owned Free and Clear

Missing Evidence that REO1 Property is Owned Free and Clear Missing evidence REO XXXX XXXX XXXXXXX XXXXXX is Free and Clear.

(2021-06-14) Lender provided Open Lien reports for #14 XXXX X XXXXXXX XXX, which is already provided, Open Lien report for #3 XXXX X XXXXXXX, both of these no mortgage on the property, condition cleared.

Summary: Borrower has resided in current property for 10.00 years. ; Summary: UW Guides require 15.98 months reserves, loan qualified with 20.79 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000353417

255_206_5128

5128

Credit

Missing Evidence that REO2 Property is Owned Free and Clear

Missing Evidence that REO2 Property is Owned Free and Clear Missing evidence REO XXXX XXXX XXXX XXXXXX  is Free and Clear. Mortgage statement provided in the loan file. The application states mortgage loan does not apply.

(2021-06-30) Lender provided Open Lien report to show no mortgage on the property #3 located XXXX X XXXXXXX, condition cleared. (2021-06-14) Lender provided Open Lien report to show no mortgage on the property #3 located XXXX X XXXXXXX, condition cleared.

Summary: Borrower has resided in current property for 10.00 years. ; Summary: UW Guides require 15.98 months reserves, loan qualified with 20.79 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000353417

255_206_5129

5129

Credit

Missing Evidence that REO3 Property is Owned Free and Clear

Missing Evidence that REO3 Property is Owned Free and Clear Missing evidence REO XXXX X XXXX XX is Free and Clear. Mortgage statement provided in the loan file. The application states mortgage loan does not apply

(2021-06-30) Condition Cleared

Summary: Borrower has resided in current property for 10.00 years. ; Summary: UW Guides require 15.98 months reserves, loan qualified with 20.79 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000353417

255_206_5151

5151

Credit

Missing Evidence that REO7 Property is Owned Free and Clear

Missing Evidence that REO7 Property is Owned Free and Clear Missing evidence REO XXXX X XXXXX XX is Free and Clear. Mortgage statement provided in the loan file. The application states mortgage loan does not apply.

(2021-06-30) Condition Cleared

Summary: Borrower has resided in current property for 10.00 years. ; Summary: UW Guides require 15.98 months reserves, loan qualified with 20.79 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000353417

255_206_5152

5152

Credit

Missing Evidence that REO8 Property is Owned Free and Clear

Missing Evidence that REO8 Property is Owned Free and Clear Missing evidence REO XXXX X XXXXX XXX is Free and Clear. Mortgage statement provided in the loan file. The application states mortgage loan does not apply.

(2021-06-30) Condition Cleared (2021-06-14) Lender provided payoff Quote for property #10 located XXXX X XXXXX, but it does not show funds were transfer or wired over to payoff mortgage, need proof, condition remains.

Summary: Borrower has resided in current property for 10.00 years. ; Summary: UW Guides require 15.98 months reserves, loan qualified with 20.79 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000353417

255_206_5153

5153

Credit

Missing Evidence that REO9 Property is Owned Free and Clear

Missing Evidence that REO9 Property is Owned Free and Clear Missing evidence REO XXX XXXX XXXXXXXXX XXXXXX is Free and Clear. The application states mortgage loan does not apply.

(2021-06-30) Condition Cleared

Summary: Borrower has resided in current property for 10.00 years. ; Summary: UW Guides require 15.98 months reserves, loan qualified with 20.79 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000353417

255_206_15997

15997

Credit

Required Documentation is Missing

Missing evidence REO XXXX XXXX XXX XXXXXX is Free and Clear. Mortgage statement provided in the loan file. The application states mortgage loan does not apply. Missing evidence REO XXXX XXXXX XXXXXXXXXX, XXXX XXXX XXXXX XXXXXX are Free and Clear. Missing evidence of PITI for REO XXXX X XXXX, per application in file, reflects recent refinance for this property.

(2021-06-30) Condition Cleared (2021-06-28) Lender provided same conditions as reviewed on X/XX/XXXX. These conditions still remain unsatisfied:  Missing evidence REO XXXX XXXXX XXX XXXXXX is Free and Clear. Mortgage statement provided in the loan file. The application states mortgage loan does not apply.   Missing evidence of PITI for REO6 XXXX X XXXX, per application in file, reflects recent refinance for this property. (2021-06-14) Lender provided Open Lien reports for #14 XXXX X XXXXXXX XXX, which is already provided, Open Lien report for #3 XXXX XXXXXX, Final CDs for XXXX XXXXX XXXXXXXXXX  and XXXX XXXX XXXXX are not free and clear, but recently refi, still needed Missing evidence REO XXXX XXXX XXX XXXXXX is Free and Clear. Mortgage statement provided in the loan file. The application states mortgage loan does not apply and Missing evidence of PITI for REO XXXX X XXXX, per application in file, reflects recent refinance for this property, condition remains. (2021-06-11) Missing evidence REO XXXX XXXX XXX is Free and Clear. Mortgage statement provided in the loan file. The application states mortgage loan does not apply. Missing evidence REO XXXX XXXXX XXXXXXXXXX, XXXX XXXX XXXXX XXXXXX are Free and Clear. Missing evidence of PITI for REO XXXX X XXXX, per application in file, reflects recent refinance for this property.

Summary: Borrower has resided in current property for 10.00 years. ; Summary: UW Guides require 15.98 months reserves, loan qualified with 20.79 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000353417

255_206_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS). Loan does not meet criteria for Temporary Qualified Mortgage due to missing evidence REO properties 1-3, 7-9, and 23-26 are Free and Clear. Additional conditions may apply.

(2021-06-30) AUS Standards are now met and loan meets TQM standards.

Summary: Borrower has resided in current property for 10.00 years. ; Summary: UW Guides require 15.98 months reserves, loan qualified with 20.79 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000355595

255_267_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score not used for secondary valuation, No CDA in File, No AVM in file, Field Review not required

(2021-06-15) Lender provided an acceptable CDA.  Condition is cleared.

Summary: Borrower has resided in current property for 14.00 years. ; Summary: Refinance reduces total housing payment by  $-XX.XX. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 14.96 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000355595

255_267_16304

16304

Compliance

Loan Estimate disclosure is missing or incomplete |SFA 3.0

Loan Estimate disclosure is missing or incomplete The Loan Estimate dated XX/XX/XXXX as reflected on the Disclosure Tracking sheet is missing.  Additional conditions may apply.

(2021-06-22) Received copy of complete Loan Estimate (2021-06-22) Client provided copy of Loan Estimate - condition cleared

Summary: Borrower has resided in current property for 14.00 years. ; Summary: Refinance reduces total housing payment by  $-XX.XX. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 14.96 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000355644

255_173_18600

18600

Credit

Invalid AUS

The exception 'Invalid AUS' is cleared. From fields in template: How Was Loan Underwritten ---- AUS Assets ---- No CLTV ---- No DTI ---- No FICO ---- No Income ---- No Incorrect Figures ---- No Incorrect Loan Application ---- No LTV ---- No Occupancy ---- No Omission of Debt ---- No Other Debt ---- No Reserves ---- No Subject PITI ---- No Subject Property Address ---- No Wrong Loan Amount ---- No

(2021-07-14) Rescind

Summary: Borrower has 9.30 years self employed. ; Summary: Primary borrower has 9.30 years in field.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000355644

255_173_932

932

Credit

Missing AUS results

Missing AUS results. The exception status is currently Active. Lender provided AUS/DU for the reivew, condiiton cleared. Client provided documentation to resolve. Condition cleared.

(2021-07-14) Client provided documentation to resolve. Condition cleared. (2021-07-12) Client provided documentation to resolve. Condition cleared. (2021-06-11) Lender provided AUS/DU for the reivew, condiiton cleared.

Summary: Borrower has 9.30 years self employed. ; Summary: Primary borrower has 9.30 years in field.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000355690

255_290_15997

15997

Credit

Required Documentation is Missing

___ The exception status is currently Active. The loan file is missing proof of the loan terms on the new XXX loan in the amount of $XXX,XXX for the XXXX XXXXX XX property. Lender provided missing CD.  Condition is cleared. Client provided documentation to resolve. Condition cleared.

(2021-07-14) Client provided documentation to resolve. Condition cleared. (2021-07-12) Client provided documentation to resolve. Condition cleared. (2021-06-21) Lender provided missing CD.  Condition is cleared.

Summary: Refinance reduces total housing payment by  $-X,XXX.XX. ; Summary: UW Guides require 8.62 months reserves, loan qualified with 53.55 months reserves. ; Summary: UW guides maximum DTI of 47.00%, loan qualified with DTI of 43.93%. ; Summary: Refinance reduces rate from 4.63% to 3.25%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000359896

255_241_11312

11312

Credit

DTI Exceeds Guidelines

Guidelines reflect a DTI of 48.05%. Due to a miscalculation of debts to income, the actual DTI is 78.30%. Income  used includes total borrower income $X,XXX.XX plus subject property positive rental income $0.00 plus other REO positive rental income $X,XXX.XX. Total debt amount used is $X,XXX.XX. The AUS (LP) reflects a maximum allowable DTI of 48%.  Due to the improper calculation of rental income/loss, the actual DTI is 78.30%.  Borrower's DTI is based on actual dociumentation in file and XXXX Schedule E.  File does not contain Lender's calculation of rental income/loss.

(2021-06-28) Lender provided all rental income worksheets.  The discrepancy appears to be for REO's: XXXX-XXXX XXXXXX XX and XXXX-XXXX XXXXXX XX.  Lender calculations include only T&I expenses for both properties.  Audit calculations include T&I plus P&I expenses as per mortgage statements in file on pages 325 and 326.  Provide evidence the mortgages securing the Eugene Street properties are paid and the properties are free and clear. The AUS reflects a maximum allowable DTI of 48.04%.  Due to improper calculation of rental cash flow, the actual DTI is 69.48%. Condition remains active. (2021-06-14) The AUS reflects a maximum allowable DTI of 48.04%.  Due to the improper calculation of Income and debts, the actual DTI is 75.20%.  Lender has total income at $X,XXX.XX, and monthly payments at $X,XXX.XX, when actual monthly income at $X,XXX.XX and monthly payments at $X,XXX.XX with rental income being used, condition remains.

Summary: Borrower has resided in current property for 13.00 years. ; Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 56.42 months reserves, loan qualified with 294.35 months reserves. ; Summary: Primary borrower has 20.75 years in field. ; Summary: Refinance reduces rate from 4.50% to 3.13%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000359896

255_241_18600

18600

Credit

Invalid AUS

The exception 'Invalid AUS' is cleared. From fields in template: How Was Loan Underwritten ---- AUS Assets ---- No CLTV ---- No DTI ---- Yes FICO ---- No Income ---- No Incorrect Figures ---- No Incorrect Loan Application ---- No LTV ---- No Occupancy ---- No Omission of Debt ---- No Other Debt ---- No Reserves ---- No Subject PITI ---- No Subject Property Address ---- No Wrong Loan Amount ---- No

(2021-07-14) Client provided documentation to resolve. Condition cleared. (2021-07-12) Client provided documentation to resolve. Condition cleared.

Summary: Borrower has resided in current property for 13.00 years. ; Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 56.42 months reserves, loan qualified with 294.35 months reserves. ; Summary: Primary borrower has 20.75 years in field. ; Summary: Refinance reduces rate from 4.50% to 3.13%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000359896

255_241_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is above 2.5, No CDA in File, No AVM in file, No Field Review in file

(2021-06-15) Lender provided an acceptable CDA.  Condition is cleared.

Summary: Borrower has resided in current property for 13.00 years. ; Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 56.42 months reserves, loan qualified with 294.35 months reserves. ; Summary: Primary borrower has 20.75 years in field. ; Summary: Refinance reduces rate from 4.50% to 3.13%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000359896

255_241_15997

15997

Credit

Required Documentation is Missing

The loan file is missing the following:  Evidence of PITI on primary residence located at XXXX XXXX XXXX XX supporting monthly payment of $X,XXX.XX. Additional conditions may apply. Missing evidence of P&I payment for REO property located at XXXX XXX XXXX XXXX supporting monthly P&I payment of $X,XXX.XX.  Additional conditions may apply. Missing evidence property located at XXXX XXX XXXXXX is owned free and clear.  Insurance policy in file reflects a Mortgagee.  Additional conditions may apply.

(2021-06-14) Lender provided Final CDs for XXXX XXXX XXXX XX, XXXX XXX XX, and XXXX XXX XXXX XXXX with appraisal to show XXX was collected, condition cleared. (2021-06-10) The loan file is missing the following:  Evidence of PITI on primary residence located at XXXX XXXX XXXX XX supporting monthly payment of $X,XXX.XX. Additional conditions may apply. Missing evidence of P&I payment for REO property located at XXXX XXX XXXX XXXX supporting monthly P&I payment of $X,XXX.XX.  Additional conditions may apply. Missing evidence property located at XXXX XXX XXXXXX is owned free and clear.  Insurance policy in file reflects a Mortgagee.  Additional conditions may apply.

Summary: Borrower has resided in current property for 13.00 years. ; Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 56.42 months reserves, loan qualified with 294.35 months reserves. ; Summary: Primary borrower has 20.75 years in field. ; Summary: Refinance reduces rate from 4.50% to 3.13%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000359896

255_241_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS).

(2021-07-01) AUS Standards are now met and loan meets TQM standards.

Summary: Borrower has resided in current property for 13.00 years. ; Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 56.42 months reserves, loan qualified with 294.35 months reserves. ; Summary: Primary borrower has 20.75 years in field. ; Summary: Refinance reduces rate from 4.50% to 3.13%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000360186

255_289_18249

18249

Credit

Missing Evidence of Self Employment - Borrower 1 S Corporation

Borrower 1 is self-employed and is missing verification of self-employment dated within 10 prior to the Note date on the S corporation listed in position 1 on the application.  Documentation Requirements: Allow CPA Letter or Business License or other valid verification.  Status of possible documentation for verification of self-employment:  CPA letter is Not in File, Business license is Not in File, Other verification is Not in File.  The note date is XX/XX/XXXX.   There is no evidence indicating the loan had been delivered to the XXX. ___ Evidence business is open and operating within 10 business days of the Note date is missing for business listed in position 1a on the final application; as required per updated guidelines due to COVID.

(2021-06-21) Lender provided UW Attestation form for SE, deemed acceptable, condition cleared.

Summary: UW Guides require 9.59 months reserves, loan qualified with 90.32 months reserves. ; Summary: UW guides maximum DTI of 32.00%, loan qualified with DTI of 27.02%. ; Summary: Refinance reduces rate from 3.63% to 3.38%. ; Summary: FICO is higher than guidelines. FICO is:  839 and the guideline  is:798. ; Summary: Borrower has resided in current property for 36.25 years. ; Summary: Primary borrower has 16.90 years in field. ; Summary: Borrower has 16.90 years self employed.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000360186

255_289_18436

18436

Credit

Missing Evidence of Self Employment - CoBorrower S Corporation

CoBorrower is self-employed and is missing verification of self-employment dated within 10 prior to the Note date on the S corporation listed in position 1 on the application.  Documentation Requirements: Allow CPA Letter or Business License or other valid verification.  Status of possible documentation for verification of self-employment:  CPA letter is Not in File, Business license is Not in File, Other verification is Not in File.  The note date is XX/XX/XXXX.   There is no evidence indicating the loan had been delivered to the XXX. ___ Evidence business is open and operating within 10 business days of the Note date is missing for business listed in position 1b on the final application; as required per updated guidelines due to COVID.

(2021-06-21) Lender provided UW Attestation form for SE, deemed acceptable, condition cleared.

Summary: UW Guides require 9.59 months reserves, loan qualified with 90.32 months reserves. ; Summary: UW guides maximum DTI of 32.00%, loan qualified with DTI of 27.02%. ; Summary: Refinance reduces rate from 3.63% to 3.38%. ; Summary: FICO is higher than guidelines. FICO is:  839 and the guideline  is:798. ; Summary: Borrower has resided in current property for 36.25 years. ; Summary: Primary borrower has 16.90 years in field. ; Summary: Borrower has 16.90 years self employed.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000360186

255_289_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is above 2.5, No CDA in File, No AVM in file, No Field Review in file

(2021-06-25) Client supplied CDA that supports the origination value, condition cleared.

Summary: UW Guides require 9.59 months reserves, loan qualified with 90.32 months reserves. ; Summary: UW guides maximum DTI of 32.00%, loan qualified with DTI of 27.02%. ; Summary: Refinance reduces rate from 3.63% to 3.38%. ; Summary: FICO is higher than guidelines. FICO is:  839 and the guideline  is:798. ; Summary: Borrower has resided in current property for 36.25 years. ; Summary: Primary borrower has 16.90 years in field. ; Summary: Borrower has 16.90 years self employed.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000360186

255_289_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS). Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to Missing verification of self-employment.

(2021-06-21) AUS Standards are now met and loan meets TQM standards. (2021-06-21) Lender provided UW Attestation form for SE, deemed acceptable, condition cleared.

Summary: UW Guides require 9.59 months reserves, loan qualified with 90.32 months reserves. ; Summary: UW guides maximum DTI of 32.00%, loan qualified with DTI of 27.02%. ; Summary: Refinance reduces rate from 3.63% to 3.38%. ; Summary: FICO is higher than guidelines. FICO is:  839 and the guideline  is:798. ; Summary: Borrower has resided in current property for 36.25 years. ; Summary: Primary borrower has 16.90 years in field. ; Summary: Borrower has 16.90 years self employed.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000360495

255_162_1454

1454

Credit

Missing Evidence of Insurance for Primary Residence

Missing Evidence of Insurance for Primary Residence The exception status is currently Active. Lender provided the final CD from a refi on the primary residence which provided evidence of HOI and flood insurance expenses.  Condition is cleared. Client provided documentation to resolve. Condition cleared.

(2021-07-12) Client provided documentation to resolve. Condition cleared. (2021-06-11) Lender provided the final CD from a refi on the primary residence which provided evidence of HOI and flood insurance expenses.  Condition is cleared.

Summary: UW Guides require 6.00 months reserves, loan qualified with 25.14 months reserves. ; Summary: The compensating factor 'DTI is lower than guideline maximum' is removed. From fields in template: Debt Ratio ---- 41.25 Guideline DTI ---- 41.25 DTI is lower than guideline maximum ---- Yes

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000360495

255_162_1451

1451

Credit

Missing Evidence of Property Taxes for Primary Residence

Missing Evidence of Property Taxes for Primary Residence The exception status is currently Active. Lender provided the final CD from a refi on the primary residence which provided evidence of tax expenses.  Condition is cleared. Client provided documentation to resolve. Condition cleared.

(2021-07-13) Lender provided the final CD from a refi on the primary residence which provided evidence of tax expenses.  Condition is cleared.

Summary: UW Guides require 6.00 months reserves, loan qualified with 25.14 months reserves. ; Summary: The compensating factor 'DTI is lower than guideline maximum' is removed. From fields in template: Debt Ratio ---- 41.25 Guideline DTI ---- 41.25 DTI is lower than guideline maximum ---- Yes

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000360495

255_162_870

870

Credit

Missing Hazard Insurance Declaration

A hazard insurance declaration for this subject property was not provided.

(2021-07-13) Hazard insurance indicator is Present (2021-07-13) Condition Cleared (2021-07-13) Condition Cleared

Summary: UW Guides require 6.00 months reserves, loan qualified with 25.14 months reserves. ; Summary: The compensating factor 'DTI is lower than guideline maximum' is removed. From fields in template: Debt Ratio ---- 41.25 Guideline DTI ---- 41.25 DTI is lower than guideline maximum ---- Yes

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000360495

255_162_16648

16648

Compliance

South Carolina (SC) Consumer Complaint Disclosure is missing

South Carolina Consumer Complaint Disclosure is missing

(2021-07-13) Client provided documentation to resolve.  Condition cleared (2021-07-12) Client provided documentation to resolve. Condition cleared.

Summary: UW Guides require 6.00 months reserves, loan qualified with 25.14 months reserves. ; Summary: The compensating factor 'DTI is lower than guideline maximum' is removed. From fields in template: Debt Ratio ---- 41.25 Guideline DTI ---- 41.25 DTI is lower than guideline maximum ---- Yes

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000363341

255_242_1454

1454

Credit

Missing Evidence of Insurance for Primary Residence

Missing Evidence of Insurance for Primary Residence

(2021-06-23) Lender provided Final CD showing PITIA payment of $X,XXX.XX with Escrows, condition cleared.

Summary: Primary borrower has 20.66 years in field. ; Summary: Borrower has resided in current property for 13.00 years. ; Summary: UW Guides require 68.54 months reserves, loan qualified with 294.75 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000363341

255_242_8729

8729

Credit

Missing Evidence of Insurance for REO11

Missing Evidence of Insurance for property 13 on final application Evidence of insurance for REO XXXX XXX XX on final application not provided.

(2021-06-23) Lender Provided Final CD showing total payment of $X,XXX.XX with escrows, condition cleared.

Summary: Primary borrower has 20.66 years in field. ; Summary: Borrower has resided in current property for 13.00 years. ; Summary: UW Guides require 68.54 months reserves, loan qualified with 294.75 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000363341

255_242_1451

1451

Credit

Missing Evidence of Property Taxes for Primary Residence

Missing Evidence of Property Taxes for Primary Residence

(2021-06-23) Lender provided Final CD showing PITIA payment of $X,XXX.XX with Escrows, condition cleared.

Summary: Primary borrower has 20.66 years in field. ; Summary: Borrower has resided in current property for 13.00 years. ; Summary: UW Guides require 68.54 months reserves, loan qualified with 294.75 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000363341

255_242_5142

5142

Credit

Missing Evidence of Property Taxes for REO11

Evidence of property taxes for property 13  on the final application not provided. Evidence of property taxes for REO XXXX XXX XX on final application not provided.

(2021-06-23) Lender Provided Final CD showing total payment of $X,XXX.XX with escrows, condition cleared.

Summary: Primary borrower has 20.66 years in field. ; Summary: Borrower has resided in current property for 13.00 years. ; Summary: UW Guides require 68.54 months reserves, loan qualified with 294.75 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000363341

255_242_15997

15997

Credit

Required Documentation is Missing

The loan file is missing Notary addendum to mortgage. Missing disposition for property XXXX XX XXXX listed in Schedule E of XXXX personal tax returns and documentation for omission of debt for $XXX,XXX. Additionally, missing P&I payment for REO XXXX XXX XXXX XXXX and XXXX XXX XX. Additional conditions may apply. The loan file is missing Notary addendum to mortgage. The loan file is missing Notary addendum to mortgage. Missing disposition for property XXXX XX XXXX listed in Schedule E of XXXX personal tax returns and documentation for omission of debt for $XXX,XXX.XX. Additionally, missing P&I payment for REO XXXX XXX XXXX XXXX and XXXX XXX XX. Additional conditions may apply. The loan file is missing Notary addendum to mortgage.

(2021-06-23) Lender provided Notary addendum to mortgage. provided seller CD for disposition for property XXXX XX XXXX with DataTree  report to show new owners and Final CD for XXXX XXXX XXXX XX for omission of mortgage debt for $XXX,XXX.XX. Final CDs to show new P&I payments for REO XXXX XXX XXXX XXXX and XXXX XXX XX, conditon cleared.

Summary: Primary borrower has 20.66 years in field. ; Summary: Borrower has resided in current property for 13.00 years. ; Summary: UW Guides require 68.54 months reserves, loan qualified with 294.75 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000363341

255_242_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS). Loan is failing to meet Temporary Qualified Mortgage due to missing PITI information for XXXX XXX XX, P&I payment for XXXX XXX XXXX XXXX and taxes and insurance for primary residence. Additionally, missing documentation for omission of debt with balance of $XXX,XXX.XX

(2021-06-23) AUS Standards are now met and loan meets TQM standards. (2021-06-23) Lender provided Notary addendum to mortgage. provided seller CD for disposition for property XXXX XX XXXX with DataTree  report to show new owners and Final CD for XXXX XXXX XXXX XX for omission of mortgage debt for $XXX,XXX.XX. Final CDs to show new P&I payments for REO XXXX XXX XXXX XXXX and XXXX XXX XX, condition cleared.

Summary: Primary borrower has 20.66 years in field. ; Summary: Borrower has resided in current property for 13.00 years. ; Summary: UW Guides require 68.54 months reserves, loan qualified with 294.75 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000363674

255_407_1175

1175

Credit

Credit score does not meet guidelines

Credit score of 0 is less than  778, the minimum credit score required per lender guidelines

(2021-06-30) Lender provided credit report dated 04/07/21 with qualifying FICO score of 778 for both borrowers, condition cleared.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000363674

255_407_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with  Occupancy,.

(2021-06-30) Lender provided credit report dated XX/XX/XXXX with qualifying FICO score of 778 for both borrowers, condition cleared.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000363674

255_407_959

959

Credit

Missing Credit Report - Borrower

A credit report for the borrower was not provided.

(2021-06-30) Lender provided credit report dated XX/XX/XXXX with qualifying FICO score of 778 for both borrowers, condition cleared.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000363674

255_407_724

724

Credit

Missing Credit Report - Coborrower

A credit report for the coborrower was not provided.

(2021-06-30) CoBorrower credit report indicator is Present (2021-06-30) Lender provided credit report dated XX/XX/XXXX with qualifying FICO score of 778 for both borrowers, condition cleared.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000363674

255_407_8722

8722

Credit

Missing Evidence of Insurance for REO6

Missing Evidence of Insurance for property 6 on final application

(2021-06-30) Lender provided insurance policy, condition cleared.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000363674

255_407_15997

15997

Credit

Required Documentation is Missing

Missing evidence DU condition 11 is paid in full. It appears for rental properties XXXX XXXXXXXXXX and XXXX XXXX XXXXX the property taxes are not included in the monthly payment. Missing evidence as to why the monthly property tax payment is not included in the DTI.

(2021-06-30) Lender provided credit report to show Auto loan has only 7 payments left, which deem acceptable for omission and provided Final CD for REO #6, condition cleared.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000364200

255_182_932

932

Credit

Missing AUS results

Missing AUS results. Additional conditions may apply.

(2021-06-11) Lender provided AUS/LP with DTI at 25%, condition cleared.

Summary: UW Guides require 6.00 months reserves, loan qualified with 16.89 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000364200

255_182_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is above 2.5, No CDA in File, No AVM in file, No Field Review in file

(2021-06-16) Client provided high value AVM - condition cleared

Summary: UW Guides require 6.00 months reserves, loan qualified with 16.89 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000366960

255_141_1469

1469

Credit

Missing Evidence that REO1 Property is Owned Free and Clear

Missing Evidence that REO1 Property is Owned Free and Clear Missing Evidence that Property 3b on the Final Application is Owned Free and Clear.

(2021-07-14) Client provided documentation to resolve. Condition cleared. (2021-07-12) Client provided documentation to resolve. Condition cleared. (2021-06-09) Lender provided the Hazard Insurance declaration page reflecting no mortgage.  Acceptable to reflect Borrower owns the property free and clear.  Condition Cleared.

Summary: Primary borrower has 5.00 years in field. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 31.14 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000366960

255_141_5128

5128

Credit

Missing Evidence that REO2 Property is Owned Free and Clear

Missing Evidence that REO2 Property is Owned Free and Clear Missing Evidence that Property 3c on the Final Application is Owned Free and Clear.

(2021-07-14) Client provided documentation to resolve. Condition cleared. (2021-07-12) Client provided documentation to resolve. Condition cleared. (2021-06-09) Lender provided the Hazard Insurance declaration page reflecting no mortgage.  Acceptable to reflect the property is owned free and clear.  Condition Cleared

Summary: Primary borrower has 5.00 years in field. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 31.14 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000366960

255_141_5129

5129

Credit

Missing Evidence that REO3 Property is Owned Free and Clear

Missing Evidence that REO3 Property is Owned Free and Clear Missing Evidence that Property 3d on the Final Application is Owned Free and Clear.

(2021-07-14) Client provided documentation to resolve. Condition cleared. (2021-07-12) Client provided documentation to resolve. Condition cleared. (2021-06-09) Lender provided the Hazard Insurance declaration page reflecting no mortgage.  Acceptable evidence of property being owned free and clear.  Condition Cleared.

Summary: Primary borrower has 5.00 years in field. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 31.14 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000370568

255_408_1126

1126

Credit

CLTV exceeds guidelines

Lender guidelines requires a maximum CLTV of 54.00%.  However, the current CLTV of the subject is 59.64%. The appraisal or sales price value used was $XXX,XXX.XX having a loan purpose of  Refinance-Term.

(2021-07-14) Client provided documentation to resolve. Condition cleared. (2021-07-12) Client provided documentation to resolve. Condition cleared.

Summary: Refinance reduces total housing payment by  $-X,XXX.XX.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000370568

255_408_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with ___. The exception status is currently Active. Lender provided the corrected DU Approval.  Condition Cleared.

(2021-07-14) Lender provided the corrected DU Approval.  Condition Cleared. (2021-06-30) Lender provided the corrected DU Approval.  Condition Cleared.

Summary: Refinance reduces total housing payment by  $-X,XXX.XX.

Cleared

2

1

B

A

B

A

B

A

B

A

B

A

Yes

0000370568

255_408_1103

1103

Credit

Loan amount exceeds the guideline maximum

Lender guidelines allow a maximum loan amount of $XXX,XXX.XX, per the loan approval and Note, the subject loan amount is $XXX,XXX.XX.

(2021-06-30) Lender provided a corrected DU Approval reflecting maximum loan amount of $XXX,XXX.  Condition Cleared.

Summary: Refinance reduces total housing payment by  $-X,XXX.XX.

Cleared

2

1

B

A

B

A

B

A

B

A

B

A

Yes

0000370568

255_408_1120

1120

Credit

LTV exceeds guidelines

Lender guidelines requires a maximum LTV of 54.00%.  However, the current LTV of the subject is 59.64%. The appraisal or sales price value used was $XXX,XXX.XX  having a loan purpose of  Refinance-Term.

(2021-07-14) Client provided documentation to resolve. Condition cleared. (2021-07-12) Client provided documentation to resolve. Condition cleared.

Summary: Refinance reduces total housing payment by  $-X,XXX.XX.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000370568

255_408_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  1 Fraud Report in file Borrower: No CoBorrower: ___ Borrower 3: ___ Borrower 4: ___

(2021-06-30) Trailing Doc:  Lender provided the complete Third Party Fraud Tool with all Reg Flags addressed.  Condition Cleared.

Summary: Refinance reduces total housing payment by  $-X,XXX.XX.

Cleared

2

1

B

A

B

A

B

A

B

A

B

A

Yes

0000370568

255_408_17008

17008

Credit

Property Tax Assessor Number is incorrect

APN number on Appraisal, Title and Mortgage do not match.

(2021-07-14) Client provided documentation to resolve. Condition cleared. (2021-07-12) Client provided documentation to resolve. Condition cleared. (2021-06-24) Legal description matches, rescind.

Summary: Refinance reduces total housing payment by  $-X,XXX.XX.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000371972

255_265_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  1 Fraud Report in file Borrower: No CoBorrower: ___ Borrower 3: ___ Borrower 4: ___

(2021-06-21) Lender provided an acceptable fraud report with OFAC search.  Condition is cleared.

Summary: Borrower has resided in current property for 5.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000371972

255_265_10748

10748

Credit

OFAC Search

The OFAC search was not provided. Borrowers on loan: 1  OFAC search in file:  Borrower: No CoBorrower:___ Borrower 3: ___ Borrower 4: ___

(2021-06-21) Lender provided an acceptable fraud report with OFAC search.  Condition is cleared.

Summary: Borrower has resided in current property for 5.00 years.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000371972

255_265_15997

15997

Credit

Required Documentation is Missing

The loan file is missing: 1) Evidence of newly obtained P & I for XXXX XXXXXXX XXXX. 2) Evidence of newly obtained P & I for XXXX XXXXXXX XXXX. The loan file is missing: 1) Evidence of newly obtained P & I for XXXX XXXXXXX XXXX. 2) Evidence of newly obtained P & I for XXXX XXXXXXX XXXX.

(2021-06-21) Lender provided missing CD's.  Condition is cleared. (2021-06-11) The loan file is missing: 1) Evidence of newly obtained P & I for XXXX XXXXXXX XXXX. 2) Evidence of newly obtained P & I for XXXX XXXXXXX XXXX.

Summary: Borrower has resided in current property for 5.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000371972

255_265_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS). Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to Missing documentation.

(2021-06-21) AUS Standards are now met and loan meets TQM standards. (2021-06-21) Lender provided missing documentation.  Condition is cleared.

Summary: Borrower has resided in current property for 5.00 years.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000371972

255_265_17453

17453

Compliance

Temporary Qualified Mortgage Points & Fees Failure

This loan's points and fees exceed the qualified mortgage points and fees threshold. A qualified mortgage is a covered transaction that limits the points and fees charged at consummation to a specific percentage or flat dollar amounts dependent upon the mortgage's total loan amount. $X,XXX.XX > $X,XXX.XX, the maximum points and fees allowed under QM, by $XX.XX.

(2021-07-07) Loan Detail Report found in file confirmed business purpose loan. (2021-06-22) $X,XXX.XX > $X,XXX.XX, the maximum points and fees allowed under QM, by $XX.XX. When discount points are involved, the lender can try to prove they are bona fide. To verify bona fide discount points, we will need the rate sheet, PAR, or some form of proof that verifies the amount the borrower paid in points directly led to a discount in rate.

Summary: Borrower has resided in current property for 5.00 years.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000372135

255_261_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS). Loan does not meet criteria for Temporary Qualified Mortgage due to property XXXX XXXXXXXXX XX listed on Schedule E of XXXX personal tax return was not disclosed on the loan applications. Provide verification property has been sold. Additional conditions will apply.

(2021-07-02) AUS Standards are now met and loan meets TQM standards. (2021-07-02) AUS Standards are now met and loan meets TQM standards.

Summary: UW Guides require 9.41 months reserves, loan qualified with 101.41 months reserves. ; Summary: UW guides maximum DTI of 38.00%, loan qualified with DTI of 36.97%. ; Summary: Refinance reduces rate from 3.88% to 3.38%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000372684

255_156_8720

8720

Credit

Missing Evidence of Insurance for REO4

Missing Evidence of Insurance for property 6 on final application The exception status is currently Active. Missing evidence of Insurance for XXXX XX XXXXX XXXXXX. Lender provided final CD which shows escrows included, condition cleared. Client provided documentation to resolve. Condition cleared.

(2021-07-14) Client provided documentation to resolve. Condition cleared. (2021-07-12) Client provided documentation to resolve. Condition cleared. (2021-06-11) Lender provided final CD which shows escrows included, condition cleared.

Summary: UW Guides require 12.39 months reserves, loan qualified with 177.40 months reserves. ; Summary: Primary borrower has 8.70 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000372684

255_156_12430

12430

Credit

Missing Evidence of Property Taxes for REO4

Evidence of property taxes for property 6  on the final application not provided. The exception status is currently Active. Missing evidence of Property Taxes for XXXX XX XXXXX XXXXXX. Lender provided final CD which shows escrows included, condition cleared. Client provided documentation to resolve. Condition cleared.

(2021-07-14) Client provided documentation to resolve. Condition cleared. (2021-07-12) Client provided documentation to resolve. Condition cleared. (2021-06-11) Lender provided final CD which shows escrows included, condition cleared.

Summary: UW Guides require 12.39 months reserves, loan qualified with 177.40 months reserves. ; Summary: Primary borrower has 8.70 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000372684

255_156_15997

15997

Credit

Required Documentation is Missing

___ The exception status is currently Active. Missing evidence of newly obtained P & I for XXXX XX XXXXX XXXXXX. Lender provided final CD which shows escrows included, condition cleared. Client provided documentation to resolve. Condition cleared.

(2021-07-14) Client provided documentation to resolve. Condition cleared. (2021-07-12) Client provided documentation to resolve. Condition cleared. (2021-06-11) Lender provided final CD which shows escrows included, condition cleared. (2021-06-10) Missing evidence of newly obtained P & I for XXXX XX XXXXX XXXXXX.

Summary: UW Guides require 12.39 months reserves, loan qualified with 177.40 months reserves. ; Summary: Primary borrower has 8.70 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000372742

255_409_1456

1456

Credit

Missing Evidence of Insurance for REO1

Missing Evidence of Insurance for property 1 on final application

(2021-06-30) Lender provided the CD for REO1 for verification of Hazard Insurance.  Condition cleared.

Summary: Borrower has resided in current property for 9.25 years.

Cleared

2

1

B

A

B

A

B

A

B

A

B

A

Yes

0000372742

255_409_1453

1453

Credit

Missing Evidence of Property Taxes for REO1

Evidence of property taxes for property 1  on the final application not provided.

(2021-06-30) Lender provided the CD for REO1 for verification of property Taxes.  Condition cleared.

Summary: Borrower has resided in current property for 9.25 years.

Cleared

2

1

B

A

B

A

B

A

B

A

B

A

Yes

0000372742

255_409_15997

15997

Credit

Required Documentation is Missing

The loan file is missing the new P&I payment for Primary residence and REO 3 (XXXXX XXXXXXXX). Both mortgages held with XXX. Additional conditions may apply.

(2021-06-30) Lender provided the CD 's for primary residence and REO 1 evidencing the P&I payment for each.  Condition Cleared.

Summary: Borrower has resided in current property for 9.25 years.

Cleared

2

1

B

A

B

A

B

A

B

A

B

A

Yes

0000372742

255_409_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS).

(2021-06-30) AUS Standards are now met and loan meets TQM standards. (2021-06-30) Lender provided the CD 's for primary residence and REO 1 evidencing the P&I payment for each.  Condition Cleared.

Summary: Borrower has resided in current property for 9.25 years.

Cleared

2

1

B

A

B

A

B

A

B

A

B

A

Yes

0000373534

255_410_1469

1469

Credit

Missing Evidence that REO1 Property is Owned Free and Clear

Missing Evidence that REO1 Property is Owned Free and Clear

(2021-06-30) Lender provided letter from borrower that the HOI policy has no mortgage clause, mortgage paid off XX/XXXX, per HOI policy there is no mortgage attached to the policy, condition cleared.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000373534

255_410_-99944

-99944

Compliance

Late Fees Test

This loan failed the late fees test.The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.PLEASE NOTE: Certain states impose a late charge restriction that requires a comparison of the late fees charge, expressed either as a percentage or a dollar amount, or as both. In cases where the user provided data does not contain the required data point, ComplianceAnalyzer® will calculate the required data point from the late charge value entered by the user, and for such purpose will use the system's calculation of the scheduled monthly payment amount. Such data point calculations are an estimate based on the user provided data, and may not reflect the actual late charge threshold on an irregular payment, or if the maximum permitted late charge is based on the amount of the scheduled payment that is outstanding and not the entire scheduled payment.

(2021-07-13) Confirmed occupancy of non-owner; Downgrade of exception as most conservative approach per guidance.

Active

2

2

B

B

B

B

B

B

B

B

B

B

Yes

0000374126

255_157_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is Missing, No CDA in File, No AVM in file, Field Review not required

(2021-06-16) High value AVM supplied by Client - condition cleared

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000374126

255_157_15997

15997

Credit

Required Documentation is Missing

The loan file is missing an appraisal based on an interior and exterior property inspection on Form 1004 required per AUS.  The loan file only contains an exterior only appraisal on Form 2055.

(2021-06-11) Lender provided Lender letter for appraisal flexibilities due to COVID 19 updated XXXXX XX, which states that Exterior only can be used in place of 1004 to COVID concerns.  This can only be used for Purchase and limited cash out refinances,condition cleared. (2021-06-10) The loan file is missing an appraisal based on an interior and exterior property inspection on Form 1004 required per AUS.  The loan file only contains an exterior only appraisal on Form 2055.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000374126

255_157_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS). Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due missing an interior and exterior property inspection on Form 1004.

(2021-06-11) AUS Standards are now met and loan meets TQM standards. (2021-06-11) Lender provided Lender letter for appraisal flexibilities due to COVID 19 updated XXXXXX XX, which states that Exterior only can be used in place of 1004 to COVID concerns.  This can only be used for Purchase and limited cash out refinances per XXXXXX XXX selling guide,condition cleared.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000376500

255_204_10285

10285

Credit

Incomplete AUS Results

AUS Results are incomplete.

(2021-07-12) Client provided documentation to resolve. Condition cleared.

Summary: Borrower has resided in current property for 3.00 years. ; Summary: UW Guides require 12.17 months reserves, loan qualified with 20.93 months reserves. ; Summary: Primary borrower has 19.17 years in field. ; Summary: Refinance reduces rate from 5.13% to 3.50%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000376713

255_240_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is Missing, No CDA in File, AVM not required, Field Review not required

(2021-06-15) Lender provided an acceptable CDA.  Condition is cleared.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000376804

255_268_1472

1472

Credit

Borrower's financed properties exceed guideline maximum

The exception 'Borrower's financed properties exceed guideline maximum' is cleared. From fields in template: Is primary residence owned free and clear? ---- Yes Occupancy ---- Investment Property Is the second home owned free and clear? ---- (Blank) Does the borrower own a second home? ---- No Is REO1 owned free and clear? ---- No Number of Other REO ---- 1 Is REO2 owned free and clear? ---- (Blank) Is REO3 owned free and clear? ---- (Blank) Is REO4 owned free and clear? ---- (Blank) Is REO5 owned free and clear? ---- (Blank) Is REO6 owned free and clear? ---- (Blank) Is REO7 owned free and clear? ---- (Blank) Is REO8 owned free and clear? ---- (Blank) Is REO9 owned free and clear? ---- (Blank) Is REO10 owned free and clear? ---- (Blank) Is REO11 owned free and clear? ---- (Blank) Is REO12 owned free and clear? ---- (Blank) Is REO13 owned free and clear? ---- (Blank) Is REO14 owned free and clear? ---- (Blank) Is REO15 owned free and clear? ---- (Blank) Guideline Max Financed Properties ---- 2

(2021-06-23) Maximum number of properties did not affect reserve calculations and is immaterial, rescind. (2021-06-22) As per the final AUS, condition #12, the borrower is not eligible for financing if they currently have more than 2 financed properties.  Upon receipt of evidence documenting that the primary residence is not free and clear, the borrower currently has 3 financed properties, which makes them ineligible for financing. Please provide an updated AUS approving 3 financed properties.

Summary: UW Guides require 12.85 months reserves, loan qualified with 64.41 months reserves. ; Summary: UW guides maximum DTI of 49.11%, loan qualified with DTI of 28.82%. ; Summary: Refinance reduces rate from 4.00% to 3.35%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000376804

255_268_11312

11312

Credit

DTI Exceeds Guidelines

The exception 'DTI Exceeds Guidelines' is cleared. From fields in template: Loan Type ---- XXXXXXXXXXXX Debt Ratio ---- 28.82 Guideline DTI with Tolerance ---- 49.11

(2021-07-12) Client provided documentation to resolve. Condition cleared.

Summary: UW Guides require 12.85 months reserves, loan qualified with 64.41 months reserves. ; Summary: UW guides maximum DTI of 49.11%, loan qualified with DTI of 28.82%. ; Summary: Refinance reduces rate from 4.00% to 3.35%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000376804

255_268_18600

18600

Credit

Invalid AUS

The exception 'Invalid AUS' is cleared. From fields in template: How Was Loan Underwritten ---- AUS Assets ---- No CLTV ---- No DTI ---- No FICO ---- No Income ---- No Incorrect Figures ---- No Incorrect Loan Application ---- No LTV ---- No Occupancy ---- No Omission of Debt ---- No Other Debt ---- No Reserves ---- No Subject PITI ---- No Subject Property Address ---- No Wrong Loan Amount ---- No

(2021-07-12) Client provided documentation to resolve. Condition cleared.

Summary: UW Guides require 12.85 months reserves, loan qualified with 64.41 months reserves. ; Summary: UW guides maximum DTI of 49.11%, loan qualified with DTI of 28.82%. ; Summary: Refinance reduces rate from 4.00% to 3.35%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000376804

255_268_1470

1470

Credit

Missing Evidence that Primary Residence is Owned Free and Clear

Missing Evidence that Primary Residence is Owned Free and Clear Missing evidence borrower's primary residence located at XXXX XXXXXXXX XXXX is owned free and clear as reflected on the final loan application.  Additional conditions may apply.

(2021-07-12) Client provided documentation to resolve. Condition cleared.

Summary: UW Guides require 12.85 months reserves, loan qualified with 64.41 months reserves. ; Summary: UW guides maximum DTI of 49.11%, loan qualified with DTI of 28.82%. ; Summary: Refinance reduces rate from 4.00% to 3.35%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000376804

255_268_1818

1818

Credit

Missing Trust Documentation

Missing Trust Documentation Borrower is taking title in a Trust.  Trust documentation not provided.

(2021-07-01) Lender provided a opy of the executed Trust agreement and the condition was cleared. (2021-06-22) Borrower holds title in a Trust.  Trust documentation not provided.

Summary: UW Guides require 12.85 months reserves, loan qualified with 64.41 months reserves. ; Summary: UW guides maximum DTI of 49.11%, loan qualified with DTI of 28.82%. ; Summary: Refinance reduces rate from 4.00% to 3.35%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000376804

255_268_15997

15997

Credit

Required Documentation is Missing

The loan file is missing evidence of P&I in the amount of $X,XXX.XX as reflected on the final loan application for property located at XXXX-XXXX XXXX XX. Borrower recently obtained new mortgage in the amount of $XXX,XXX.XX  Additional conditions may apply.

(2021-07-12) Client provided documentation to resolve. Condition cleared. (2021-06-18) The loan file is missing evidence of P&I in the amount of $X,XXX.XX as reflected on the final loan application for property located at XXXX-XXXX XXXX XX. Borrower recently obtained new mortgage in the amount of $XXX,XXX.XX.  Additional conditions may apply.

Summary: UW Guides require 12.85 months reserves, loan qualified with 64.41 months reserves. ; Summary: UW guides maximum DTI of 49.11%, loan qualified with DTI of 28.82%. ; Summary: Refinance reduces rate from 4.00% to 3.35%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000376804

255_268_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS).

(2021-06-23) AUS Standards are now met and loan meets TQM standards. (2021-06-23) AUS Standards are now met and loan meets TWM standards.

Summary: UW Guides require 12.85 months reserves, loan qualified with 64.41 months reserves. ; Summary: UW guides maximum DTI of 49.11%, loan qualified with DTI of 28.82%. ; Summary: Refinance reduces rate from 4.00% to 3.35%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000376910

255_230_10278

10278

Credit

Incomplete Credit Report - Borrower

All pages of the most recent/ original credit  report was not provided.  A credit report  for the borrower was not provided.

(2021-06-14) Lender provided full credit report with OFAC, condition cleared.

Summary: Borrower has resided in current property for 6.00 years. ; Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 19.82 months reserves, loan qualified with 185.66 months reserves. ; Summary: UW guides maximum DTI of 33.00%, loan qualified with DTI of 31.39%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000376910

255_230_725

725

Credit

Incomplete Credit Report - Coborrower

All pages of the most recent/ original credit  report was not provided. A credit report for the co-borrower was not provided.

(2021-06-14) Lender provided full credit report with OFAC, condition cleared.

Summary: Borrower has resided in current property for 6.00 years. ; Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 19.82 months reserves, loan qualified with 185.66 months reserves. ; Summary: UW guides maximum DTI of 33.00%, loan qualified with DTI of 31.39%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000376910

255_230_5135

5135

Credit

Missing Evidence that REO6 Property is Owned Free and Clear

Missing Evidence that REO6 Property is Owned Free and Clear Evidence property #8 on the final application is  free & clear not provided.

(2021-06-14) Lender provided Open Lien report, which shows no mortgage on the property, condition cleared.

Summary: Borrower has resided in current property for 6.00 years. ; Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 19.82 months reserves, loan qualified with 185.66 months reserves. ; Summary: UW guides maximum DTI of 33.00%, loan qualified with DTI of 31.39%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000376910

255_230_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS). Loan does not meet criteria for Temporary Qualified Mortgage due to missing evidence REO8 property is Free and Clear.

(2021-06-14) AUS Standards are now met and loan meets TQM standards. (2021-06-14) Lender provided completed credit report with OFAC, and Open Lien report for XXXX X XXXX XX, which shows no mortgage on the property, condition cleared.

Summary: Borrower has resided in current property for 6.00 years. ; Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 19.82 months reserves, loan qualified with 185.66 months reserves. ; Summary: UW guides maximum DTI of 33.00%, loan qualified with DTI of 31.39%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000378683

255_233_1454

1454

Credit

Missing Evidence of Insurance for Primary Residence

Missing Evidence of Insurance for Primary Residence Missing Evidence of Insurance for XXX XXXXX XXXX.

(2021-06-14) Lender provided Insurance policy, condition cleared.

Summary: Borrower has resided in current property for 14.00 years. ; Summary: UW Guides require 5.91 months reserves, loan qualified with 188.31 months reserves. ; Summary: Primary borrower has 11.07 years in field. ; Summary: Borrower has 11.00 years self employed.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000378683

255_233_1451

1451

Credit

Missing Evidence of Property Taxes for Primary Residence

Missing Evidence of Property Taxes for Primary Residence Missing Evidence of Property Taxes for XXX XXXXX XXXX.

(2021-06-14) Lender provided Final CD with P&I with taxes being escrowed, condition cleared.

Summary: Borrower has resided in current property for 14.00 years. ; Summary: UW Guides require 5.91 months reserves, loan qualified with 188.31 months reserves. ; Summary: Primary borrower has 11.07 years in field. ; Summary: Borrower has 11.00 years self employed.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000378683

255_233_18249

18249

Credit

Missing Evidence of Self Employment - Borrower 1 S Corporation

Borrower 1 is self-employed and is missing verification of self-employment dated within 14 prior to the Note date on the S corporation listed in position 1 on the application.  Documentation Requirements: Allow CPA Letter or Business License or other valid verification.  Status of possible documentation for verification of self-employment:  CPA letter is dated more than the maximum allowable days prior to the Note date, Business license is Not in File, Other verification is dated more than the maximum allowable days prior to the Note date.  The note date is XX/XX/XXXX.   There is no evidence indicating the loan had been delivered to the XXX. ___ Evidence business is open and operating within 10 business days of the Note date is missing for business listed in position 1 on the final application; as required per updated guidelines due to COVID.

(2021-06-14) Lender provided updated business license for S-Corp, condition cleared.

Summary: Borrower has resided in current property for 14.00 years. ; Summary: UW Guides require 5.91 months reserves, loan qualified with 188.31 months reserves. ; Summary: Primary borrower has 11.07 years in field. ; Summary: Borrower has 11.00 years self employed.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000378683

255_233_15997

15997

Credit

Required Documentation is Missing

Missing evidence of newly obtained P & I for XXX XXXXX XXXX (primary residence). Missing evidence of newly obtained P & I for XXX XXXXX XXXX (primary residence). Missing evidence of newly obtained P & I for XXX XXXXX XXXX (primary residence).

(2021-06-14) Lender provided Final CD for XXX XXXXX XX with P&I with taxes escrowed, Insurance Polcy for XXX XXXXX XX, and Updated Business License for S-Corp, condition cleared.

Summary: Borrower has resided in current property for 14.00 years. ; Summary: UW Guides require 5.91 months reserves, loan qualified with 188.31 months reserves. ; Summary: Primary borrower has 11.07 years in field. ; Summary: Borrower has 11.00 years self employed.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000378683

255_233_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS). Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to Missing documentation.

(2021-06-14) AUS Standards are now met and loan meets TQM standards. (2021-06-14) Lender provided Final CD for XXX XXXXX XX with P&I with taxes escrowed, Insurance Polcy for XXX XXXXX XX, and Updated Business License, condition cleared.

Summary: Borrower has resided in current property for 14.00 years. ; Summary: UW Guides require 5.91 months reserves, loan qualified with 188.31 months reserves. ; Summary: Primary borrower has 11.07 years in field. ; Summary: Borrower has 11.00 years self employed.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000380641

255_174_1453

1453

Credit

Missing Evidence of Property Taxes for REO1

Evidence of property taxes for property 2  on the final application not provided. Evidence of property taxes for REO property located at XXX X XXXX XXXXXX located on the final loan application was not provided.  The mortgage statement in file does reflect escrows and file does not contain Schedule E.  Additional conditions may apply.

(2021-06-11) Lender provided open lien report to show no taxes, Co-op maintenance fee of $X,XXX.XX takes care of the taxes, condition cleared.

Summary: Primary borrower has 10.00 years in field. ; Summary: UW Guides require 16.18 months reserves, loan qualified with 375.55 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000383371

255_111_870

870

Credit

Missing Hazard Insurance Declaration

A hazard insurance declaration for this subject property was not provided.

(2021-06-07) Hazard insurance indicator is Present

Summary: UW Guides require 8.12 months reserves, loan qualified with 99.90 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000383642

255_411_15997

15997

Credit

Required Documentation is Missing

The exception 'Required Documentation is Missing' is cleared.

(2021-06-30) Lender provided final CD showing monthly payment of $XXX.XX with escrows, condition cleared.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000384992

255_181_1540

1540

Credit

Missing Rental Income Documentation for REO1

Missing Rental Income Documentation for REO1. The required documentation is: signed federal tax return and Schedule E. The missing documentation is: signed federal tax return and Schedule E

(2021-07-13) Client provided rental income documentation.  Condition cleared

Summary: Primary borrower has 5.08 years in field. ; Summary: UW Guides require 13.13 months reserves, loan qualified with 140.46 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000384992

255_181_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is above 2.5, No CDA in File, No AVM in file, Field Review not required

(2021-06-16) Client provided high value AVM - condition cleared

Summary: Primary borrower has 5.08 years in field. ; Summary: UW Guides require 13.13 months reserves, loan qualified with 140.46 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000385232

255_144_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is above 2.5, No CDA in File, No AVM in file, No Field Review in file

(2021-06-07) CDA provided by the client supports value, condition cleared.

Summary: UW Guides require 6.00 months reserves, loan qualified with 143.46 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000386754

255_372_1175

1175

Credit

Credit score does not meet guidelines

Credit score of 0 is less than  748, the minimum credit score required per lender guidelines

(2021-06-25) Lender provided missing credit report.  Condition is cleared.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000386754

255_372_11312

11312

Credit

DTI Exceeds Guidelines

Guidelines reflect a DTI of 48.07%. Due to a miscalculation of debts to income, the actual DTI is 1096.44%. Income  used includes total borrower income $XXX.XX plus subject property positive rental income $0.00 plus other REO positive rental income $0.00. Total debt amount used is $X,XXX.XX.

(2021-06-25) Condition is rescinded.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000386754

255_372_16577

16577

Credit

Excessive Seller Concessions

Lender guidelines allow maximum seller concessions of 2.00%  or $0.00 for this transaction.  According to the Closing Disclosure, the borrower(s) received  $X,XXX.XX or 0.67% seller concessions

(2021-07-13) Client provided documentation to resolve. Condition cleared.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000386754

255_372_10278

10278

Credit

Incomplete Credit Report - Borrower

All pages of the most recent/ original credit  report was not provided.

(2021-06-25) Lender provided missing credit report.  Condition is cleared.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000386754

255_372_1811

1811

Credit

Insufficient asset documentation in file - assets do not cover closing costs

Verified assets of $XX,XXX.XX less cash to close $XXX,XXX.XX and less unverified earnest money $0.00 results in $-XX,XXX.XX shortage of funds to close.

(2021-07-09) Client provided documentation to resolve. Condition cleared.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000386754

255_372_1474

1474

Credit

Insufficient credit history

Guidelines require: Missing Credit Report.

(2021-06-25) Lender provided missing credit report.  Condition is cleared.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000386754

255_372_11547

11547

Credit

Insufficient Reserves

Verified assets of  $XX,XXX.XX minus cash to close of  $XXX,XXX.XX minus the unverified earnest money deposit of $0.00 equates to -45.90 months of reserves, or $-XX,XXX.XX, which is less than the required 8.99 months reserves, totaling $XX,XXX.XX.

(2021-07-13) Client provided documentation to resolve. Condition cleared.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000386754

255_372_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with  Occupancy,.

(2021-06-25) Lender provided a valid AUS.  Condition is cleared.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000386754

255_372_959

959

Credit

Missing Credit Report - Borrower

A credit report for the borrower was not provided.

(2021-06-25) Lender provided the credit report.  Condition is cleared.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000386754

255_372_15997

15997

Credit

Required Documentation is Missing

The exception 'Required Documentation is Missing' is cleared.

(2021-07-13) Client provided documentation to resolve. Condition cleared.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000386754

255_372_18590

18590

Credit

Residual Income does not meet guideline minimum

Residual Income is $-X,XXX.XX which is less than the guideline minimum of $0.00.

(2021-06-25) Condition is rescinded.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000386754

255_372_16940

16940

Compliance

E-Consent documentation on Pre-TRID loan is missing for borrower(s)

E-Consent documentation on Pre-TRID loan is missing for borrower(s)

(2021-07-09) Received required E-Consent documentation for borrower(s)

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000396609

255_366_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to ___ if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI,.

(2021-06-25) Lender provided an acceptable AUS.  Condition is cleared.

Summary: Borrower has resided in current property for 11.50 years. ; Summary: Refinance reduces rate from 3.88% to 3.63%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000396609

255_366_932

932

Credit

Missing AUS results

Missing AUS results.

(2021-06-25) Lender provided an acceptable AUS.  Condition is cleared.

Summary: Borrower has resided in current property for 11.50 years. ; Summary: Refinance reduces rate from 3.88% to 3.63%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000396609

255_366_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  1 Fraud Report in file Borrower: No CoBorrower: ___ Borrower 3: ___ Borrower 4: ___

(2021-06-25) Lender provided the missing third party fraud tool.  Condition is cleared.

Summary: Borrower has resided in current property for 11.50 years. ; Summary: Refinance reduces rate from 3.88% to 3.63%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000404552

255_413_18757

18757

Credit

Employment History less than 2 years for Borrower

Per applicable guidelines, a creditor must verify the consumer’s employment for the most recent two full years, and the consumer must explain any gaps in employment that span one or more months and Indicate if he/she was in school or the military for the recent two full years, providing evidence supporting this claim, such as college transcripts, or discharge papers.

(2021-07-07) COVID Agency guidelines satisfied.  Condition cleared

Summary: Borrower has resided in current property for 4.16 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000404552

255_413_10285

10285

Credit

Incomplete AUS Results

AUS Results are incomplete.

(2021-06-30) Lender provided a complete AUS report.  Condition is cleared.

Summary: Borrower has resided in current property for 4.16 years.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000404552

255_413_15232

15232

Credit

Missing W-2 Job 1 (Borrower)

Lender's guidelines require 2 years' W-2.  Two years' W-2 not provided for Borrower's job listed in position ___ on the application.  Number of W-2s in file is  ___

(2021-07-07) Per Agency COVID guidelines, condition is cleared

Summary: Borrower has resided in current property for 4.16 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000404552

255_413_15997

15997

Credit

Required Documentation is Missing

The loan file is missing K-1’s for all three businesses listed on personal tax returns. Additional conditions may apply.

(2021-07-07) Cleared per Agency COVID guidelines.   Condition Cleared (2021-06-30) The loan file is missing K-1’s for all three businesses listed on personal tax returns. Additional conditions may apply.

Summary: Borrower has resided in current property for 4.16 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000404552

255_413_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS).

(2021-07-02) AUS Standards are now met and loan meets TQM standards. (2021-07-02) AUS Standards are now met and loan meets TQM standards.

Summary: Borrower has resided in current property for 4.16 years.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000404785

255_414_10285

10285

Credit

Incomplete AUS Results

AUS Results are incomplete.

(2021-06-30) Lender provided a complete AUS report.  Condition is cleared.

Summary: Borrower has resided in current property for 4.16 years.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000404785

255_414_15232

15232

Credit

Missing W-2 Job 1 (Borrower)

Lender's guidelines require 2 years' W-2.  Two years' W-2 not provided for Borrower's job listed in position ___ on the application.  Number of W-2s in file is  ___

(2021-07-07) cured per COVID guidance; condition cleared

Summary: Borrower has resided in current property for 4.16 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000404785

255_414_15997

15997

Credit

Required Documentation is Missing

The loan file is missing disposition for the following properties XXX X XX X, XXXXX XXXXXX XX and XXXX X XXX X #XXX. Properties are not listed on the loan application only on Schedule E of the personal tax returns from XXXX. Also missing K-1’s for all three businesses listed on personal tax returns. Additional conditions may apply.

(2021-06-30) The loan file is missing K-1’s for all three businesses listed on personal tax returns. Additional conditions may apply.

Summary: Borrower has resided in current property for 4.16 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000404785

255_414_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS).

(2021-07-02) AUS Standards are now met and loan meets TQM standards. (2021-07-02) AUS Standards are now met and loan meets TQM standards.

Summary: Borrower has resided in current property for 4.16 years.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000406374

255_216_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  2 Fraud Report in file Borrower: No CoBorrower: No Borrower 3: ___ Borrower 4: ___

(2021-06-14) Lender provided Fraud report with OFAC-pass, condition cleared.

Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW guides maximum DTI of 34.43%, loan qualified with DTI of 29.05%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000408931

255_415_1126

1126

Credit

CLTV exceeds guidelines

Lender guidelines requires a maximum CLTV of 75.00%.  However, the current CLTV of the subject is 85.74%. The appraisal or sales price value used was $XXX,XXX.XX having a loan purpose of  Refinance-CashOut.

(2021-07-07) Lender provided correct appraisal.  Condition is cleared. (2021-07-06) Lender provided updated LP dated 07/02/2021.  Lender using appraised value of $XXX,XXX.XX.  2nd Appraisal in file with value of $XXX,XXX.XX used for calculated LTV and CLTV.  Condition Remains.

Summary: Borrower has resided in current property for 4.00 years.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000408931

255_415_10285

10285

Credit

Incomplete AUS Results

AUS Results are incomplete.

(2021-07-07) Lender provided correct appraisal.  Condition is cleared. (2021-07-06) Lender provided updated LP dated 07/02/2021.  Lender using appraised value of $XXX,XXX.XX.  2nd Appraisal in file with value of $XXX,XXX.XX used for calculated LTV and CLTV.  Condition Remains.

Summary: Borrower has resided in current property for 4.00 years.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000408931

255_415_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with  Occupancy,.

(2021-07-07) Lender provided the correct appraisal.  Condition is cleared. (2021-07-06) Lender provided updated LP dated 07/02/2021.  Lender using appraised value of $XXX,XXX.XX.  2nd Appraisal in file with value of $XXX,XXX.XX used for calculated LTV and CLTV.  Condition Remains.

Summary: Borrower has resided in current property for 4.00 years.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000408931

255_415_1120

1120

Credit

LTV exceeds guidelines

Lender guidelines requires a maximum LTV of 75.00%.  However, the current LTV of the subject is 85.74%. The appraisal or sales price value used was $XXX,XXX.XX  having a loan purpose of  Refinance-CashOut.

(2021-07-07) Lender provided correct appraisal.  Condition is cleared. (2021-07-06) Lender provided updated LP dated 07/02/2021.  Lender using appraised value of $XXX,XXX.XX  2nd Appraisal in file with value of $XXX,XXX.XX used for calculated LTV and CLTV.  Condition Remains.

Summary: Borrower has resided in current property for 4.00 years.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000408931

255_415_18457

18457

Credit

Missing Executed Business Returns for Corporation 1 (Borrower 1)

Borrower 1 is self-employed and is missing the executed business returns for the corporation listed in position ___ on the application. The business returns in file is ___, the number of years returns are ___, and the override condition exists and met for less than 2 years returns is ___.

(2021-07-07) Lender provided a 4506-C for the business.  Condition is cleared.

Summary: Borrower has resided in current property for 4.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000408931

255_415_15997

15997

Credit

Required Documentation is Missing

Missing evidence of primary and XXX XXXXXX PITI, as application in loan file reflect a recent refinance. Evidence properties XXX XXXXXXX XX and XXX XXX XXXXXX XX listed on the most recent Schedule E are sold. Additional conditions may apply.

(2021-07-07) Lender provided evidence of PITI for primary.  Condition is cleared. (2021-07-06) Lender provided Mtg stmt for XXX XXXXXXX and Mtg Statement from XX/XX/XXXX for Primary Residence at XXX XXX XXXXXX XXXXX.  Lender also provided LOX from Borrower stating XXX XXX XXXXXX XX is a second address for primary home at XXX XXX XXXXXX XX.  It is attached and one in the same as XXX XXX XXXXXX XX.  Application in file reflects a recent refinance.  Missing evidence of CD refiance for XXX XXX XXXXXX.  Condition Remains.

Summary: Borrower has resided in current property for 4.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000408931

255_415_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS).

(2021-07-13) Condition rescinded

Summary: Borrower has resided in current property for 4.00 years.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000409326

255_369_12430

12430

Credit

Missing Evidence of Property Taxes for REO4

Evidence of property taxes for property 4  on the final application not provided.

(2021-06-25) Lender provided tax bill for REO4.  Condition is cleared.

Summary: Borrower has resided in current property for 4.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000409326

255_369_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  1 Fraud Report in file Borrower: No CoBorrower: ___ Borrower 3: ___ Borrower 4: ___

(2021-06-25) Lender provided third party fraud tool.  Condition is cleared.

Summary: Borrower has resided in current property for 4.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000409326

255_369_15997

15997

Credit

Required Documentation is Missing

The loan application reflects a new XXX loan for $X,XXX,XXX.XX with a payment of $XX,XXX.XX.  This appears to be a refinance of the Borrower's primary residence and this payment was used to qualify by the audit.  Provide the Note for the new $X,XXX,XXX.XX mortgage.  Additional conditions may apply.

(2021-06-25) Lender provided mortgage statements to document  payments on primary residence.  Condition is cleared. (2021-06-25) The loan application reflects a new XXX loan for $X,XXX,XXX.XX with a payment of $XX,XXX.XX.  This appears to be a refinance of the Borrower's primary residence and this payment was used to qualify by the audit.  Provide the Note for the new $X,XXX,XXX.XX mortgage.  Additional conditions may apply.

Summary: Borrower has resided in current property for 4.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000410776

255_315_15997

15997

Credit

Required Documentation is Missing

The loan file is missing verification of P&I payments for XXXX XXXXXX XXXX XXXXX, which was recently refinanced with XXX. The loan file is missing verification of P&I payments for XXXX XXXXXX XXXX XXXXX, which was recently refinanced with XXX.

(2021-06-24) Lender provided Final CD for XXXX XXXXXX XXXX XX, condition cleared.

Summary: UW Guides require 10.79 months reserves, loan qualified with 50.96 months reserves. ; Summary: Primary borrower has 12.83 years in field. ; Summary: Refinance reduces total housing payment by  $-X,XXX.XX.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000424520

255_234_932

932

Credit

Missing AUS results

Missing AUS results. Missing AUS results. Additional conditions may apply.

(2021-06-21) Lender provided the AUS - DU.  Condition Cleared.

Summary: Refinance reduces rate from 4.88% to 3.38%.

Cleared

2

1

B

A

B

A

B

A

B

A

B

A

Yes

0000424520

255_234_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  1 Fraud Report in file Borrower: No CoBorrower: ___ Borrower 3: ___ Borrower 4: ___

(2021-06-21) The Lender provided the 3rd Party Fraud Tool Report with all Red Flags Addressed.  Condition Cleared.

Summary: Refinance reduces rate from 4.88% to 3.38%.

Cleared

2

1

B

A

B

A

B

A

B

A

B

A

Yes

0000426292

255_239_1454

1454

Credit

Missing Evidence of Insurance for Primary Residence

Missing Evidence of Insurance for Primary Residence

(2021-07-13) Condition cleared

Summary: UW Guides require 9.30 months reserves, loan qualified with 74.67 months reserves. ; Summary: Primary borrower has 24.00 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000426292

255_239_1451

1451

Credit

Missing Evidence of Property Taxes for Primary Residence

Missing Evidence of Property Taxes for Primary Residence

(2021-07-13) Condition cleared

Summary: UW Guides require 9.30 months reserves, loan qualified with 74.67 months reserves. ; Summary: Primary borrower has 24.00 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000426292

255_239_929

929

Credit

Missing Mortgage/Deed of Trust - Not Recorded

A copy of the recorded Mortgage/Deed of Trust was not provided

(2021-07-13) Recorded Mortgage/Deed of Trust received (2021-07-13) Condition is cleared

Summary: UW Guides require 9.30 months reserves, loan qualified with 74.67 months reserves. ; Summary: Primary borrower has 24.00 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000426292

255_239_15997

15997

Credit

Required Documentation is Missing

The loan file is missing evidence of taxes and insurance for borrower's primary residence located at XXXXX XXXXX XXXXX. The loan file is missing evidence of taxes and insurance for borrower's primary residence located at XXXXX XXXXX XXXXX.

(2021-06-14) Lender provided mortgage statement showing Taxes and HOI are escrowed, condition cleared.

Summary: UW Guides require 9.30 months reserves, loan qualified with 74.67 months reserves. ; Summary: Primary borrower has 24.00 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000426457

255_390_1454

1454

Credit

Missing Evidence of Insurance for Primary Residence

Missing Evidence of Insurance for Primary Residence

(2021-06-25) Lender provided missing evidence of insurance.  Condition is cleared.

Summary: Borrower has resided in current property for 32.00 years. ; Summary: UW Guides require 21.63 months reserves, loan qualified with 92.17 months reserves. ; Summary: Primary borrower has 7.33 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000426457

255_390_1470

1470

Credit

Missing Evidence that Primary Residence is Owned Free and Clear

Missing Evidence that Primary Residence is Owned Free and Clear

(2021-06-25) Lender provided missing evidence primary residence is owned free and clear.

Summary: Borrower has resided in current property for 32.00 years. ; Summary: UW Guides require 21.63 months reserves, loan qualified with 92.17 months reserves. ; Summary: Primary borrower has 7.33 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000427912

255_416_4459

4459

Compliance

Flood Escrow Option Notice is Missing or Incomplete

Flood Escrow Option Notice is Missing

(2021-07-02) Flood Escrow Option Notice is Present (2021-07-02) Client provided documentation - condition cleared

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000427912

255_416_1219

1219

Compliance

Flood Notice Required - Not Signed by all Borrowers

Notice of Special Flood Hazards Not signed by all borrowers

(2021-07-02) Client provided documentation - condition cleared

Cleared

2

1

B

A

B

A

B

A

B

A

B

A

Yes

0000430801

255_325_1107

1107

Credit

Missing Permanent Resident Alien Card (Borrower 2)

Missing CoBorrower permanent resident alien card

(2021-07-06) Lender provided US Passport for CB.  CB is a US citizen.  Condition is cleared. (2021-06-24) Lender provided Fraud report with OFAC Search, still needed Permanent Resident Card for co-borrower, condition remains.

Summary: UW Guides require 6.00 months reserves, loan qualified with 12.07 months reserves. ; Summary: Borrower has resided in current property for 5.00 years. ; Summary: Primary borrower has 28.10 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000430801

255_325_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  2 Fraud Report in file Borrower: No CoBorrower: No Borrower 3: ___ Borrower 4: ___

(2021-06-24) Lender provided Fraud report with OFAC Search, condition cleared.

Summary: UW Guides require 6.00 months reserves, loan qualified with 12.07 months reserves. ; Summary: Borrower has resided in current property for 5.00 years. ; Summary: Primary borrower has 28.10 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000430801

255_325_10748

10748

Credit

OFAC Search

The OFAC search was not provided. Borrowers on loan: 2  OFAC search in file:  Borrower: No CoBorrower:No Borrower 3: ___ Borrower 4: ___

(2021-06-24) Lender provided Fraud report with OFAC Search, condition cleared.

Summary: UW Guides require 6.00 months reserves, loan qualified with 12.07 months reserves. ; Summary: Borrower has resided in current property for 5.00 years. ; Summary: Primary borrower has 28.10 years in field.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000432239

255_418_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  1 Fraud Report in file Borrower: No CoBorrower: ___ Borrower 3: ___ Borrower 4: ___

(2021-07-01) Lender provided an acceptable fraud report.  Condition is cleared.

Summary: Borrower has resided in current property for 20.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000434666

255_330_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  1 Fraud Report in file Borrower: No CoBorrower: ___ Borrower 3: ___ Borrower 4: ___

(2021-06-24) Lender provided Fraud report with OFAC Search, condition cleared.

Summary: UW Guides require 10.74 months reserves, loan qualified with 36.17 months reserves. ; Summary: Primary borrower has 6.58 years in field. ; Summary: Borrower has 6.00 years self employed.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000434666

255_330_10748

10748

Credit

OFAC Search

The OFAC search was not provided. Borrowers on loan: 1  OFAC search in file:  Borrower: No CoBorrower:___ Borrower 3: ___ Borrower 4: ___

(2021-06-24) Lender provided Fraud report with OFAC Search, condition cleared.

Summary: UW Guides require 10.74 months reserves, loan qualified with 36.17 months reserves. ; Summary: Primary borrower has 6.58 years in field. ; Summary: Borrower has 6.00 years self employed.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000436243

255_419_1453

1453

Credit

Missing Evidence of Property Taxes for REO1

Evidence of property taxes for property 1  on the final application not provided.

(2021-07-09) Client provided documentation to resolve. Condition cleared.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000436243

255_419_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is Missing, Unknown, Unknown, Unknown

(2021-06-25) Client provided CDA that supports value at origination, condition cleared.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000436243

255_419_15997

15997

Credit

Required Documentation is Missing

The loan file is missing VOM’s for XXX with balance of $XXX,XXX and $XXX,XXX required by DU with confirmation of P&I payment. One mortgage belongs to the primary residence and the additional mortgage belongs to REO XXXX XXXXX XX. Also missing evidence of XXXX & XXXX K-1 for business #C disclosed on Schedule E of personal tax returns. Additional conditions may apply.

(2021-07-07) K-1's waived/not required by lender.  Condition is cleared. (2021-07-01) Lender provided verification of new payments on primary residence and REO1.  Still required:  Evidence of XXXX & XXXX K-1 for business #C disclosed on Schedule E of personal tax returns. Additional conditions may apply. (2021-07-01) The loan file is missing VOM’s for XXX with balance of $XXX,XXX and $XXX,XXX required by DU with confirmation of P&I payment. One mortgage belongs to the primary residence and the additional mortgage belongs to REO XXXX XXXXX XX. Also missing evidence of XXXX & XXXX K-1 for business #C disclosed on Schedule E of personal tax returns. Additional conditions may apply.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000436243

255_419_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS).

(2021-07-02) AUS Standards are now met and loan meets TQM standards. (2021-07-02) AUS Standards are now met and loan meets TQM standards.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000436469

255_420_11312

11312

Credit

DTI Exceeds Guidelines

Guidelines reflect a DTI of 30.00%. Due to a miscalculation of debts to income, the actual DTI is 39.03%. Income  used includes total borrower income $X,XXX.XX plus subject property positive rental income $0.00 plus other REO positive rental income $0.00. Total debt amount used is $X,XXX.XX.

(2021-07-01) Lender provided an updated AUS approving the DTI.  Condition is cleared.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000436469

255_420_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with  Occupancy,.

(2021-07-01) Lender provided a valid AUS.  Condition is cleared.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000436469

255_420_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  1 Fraud Report in file Borrower: No CoBorrower: ___ Borrower 3: ___ Borrower 4: ___

(2021-07-01) Lender provided an acceptable fraud report.  Condition is cleared.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000437670

255_246_-96465

-96465

Compliance

Invalid Changed Circumstance Finding

Invalid Changed Circumstance Finding ( 12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and  (D) as amended in XXXX ,  §1026.19(e)(4)(i), (ii) ) The initial closing disclosure contains either:A charge that is not an allowable redisclosure under §1026.19(e)(3)(iv); orA disclosure date that is not within the permitted timeframe based on the selection from the reason for redisclosure drop down. Please see the Fee Change Tracking History Table for the disclosure dated  and the various date tests below for more information.For the purpose of determining good faith under §1026.19(e)(3)(i) and (ii), a creditor may use a revised estimate of a charge instead of the estimate of the charge originally disclosed under §1026.19(e)(1)(i) if the revision is due to any of the provisions in §1026.19(e)(3)(iv).If a creditor uses a revised estimate pursuant to §1026.19(e)(3)(iv) for the purpose of determining good faith under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate within the timeframe permitted in §1026.19(e)(3)(iv)(D) or §1026.19(e)(4)(i) and (ii).Official Interpretations12 CFR §1026.19(e)(4)(ii)Relationship to disclosures required under §1026.19(f)(1)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i)...If, however, there are less than four business days between the time the revised version of the disclosures is required to be provided pursuant to §1026.19(e)(4)(i) and consummation, creditors comply with the requirements of §1026.19(e)(4) if the revised disclosures are reflected in the disclosures required by §1026.19(f)(1)(i).

(2021-07-13) Condition rescinded

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000437670

255_246_-96350

-96350

Compliance

Lender Credits Finding

This loan failed the initial closing disclosure lender credits finding. ( 12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F), and (D) as amended in XXXX )The initial closing disclosure contains a credit(s) that is not an allowable redisclosure under §1026.19(e)(3)(iv).

(2021-07-06) Invalid finding. Finding rescinded.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000439428

255_421_1453

1453

Credit

Missing Evidence of Property Taxes for REO1

Evidence of property taxes for property 1  on the final application not provided.

(2021-07-01) Lender provided a CD from the recent refinance which includes evidence of property taxes for REO1.  Condition is cleared.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000439428

255_421_1452

1452

Credit

Missing Evidence of Property Taxes for Second Home

Missing Evidence of Property Taxes for Second Home

(2021-07-01) Lender provided a CD from the recent refinance which includes evidence of property taxes for the second home.  Condition is cleared.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000439428

255_421_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is Missing, Unknown, Unknown, Unknown

(2021-06-24) High Quality AVM supports value, cleared.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000439428

255_421_15997

15997

Credit

Required Documentation is Missing

The loan file is missing evidence of P&I payments for 2nd home located at XXXX XXXX XXXXXX and REO property located at XXX XX X/X XX. There are two new mortgages with XXX for REO1 and new second home that were not documented and only HOI was provided.  Provide mortgages and taxes.  Additional conditions may apply.

(2021-07-01) Lender provided CD's from the refinance of each property.  The CD's contain evidence of PITI.  Condition is cleared. (2021-07-01) The loan file is missing evidence of P&I payments for 2nd home located at XXXX XXXX XXXXXX and REO property located at XXX XX X/X XX. There are two new mortgages with XXX for REO1 and new second home that were not documented and only HOI was provided.  Provide mortgages and taxes.  Additional conditions may apply.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000439428

255_421_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS).

(2021-07-01) AUS Standards are now met and loan meets TQM standards. (2021-07-01) Lender provided acceptable documentation.  AUS Standards are now met and loan meets TQM standards.  Condition is cleared.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000441522

255_422_11312

11312

Credit

DTI Exceeds Guidelines

Guidelines reflect a DTI of 20.20%. Due to a miscalculation of debts to income, the actual DTI is 25.53%. Income  used includes total borrower income $X,XXX.XX plus subject property positive rental income $0.00 plus other REO positive rental income $0.00. Total debt amount used is $X,XXX.XX.

(2021-07-07) Lender provided an AUS approving the DTI.  Condition is cleared. (2021-07-01) Loan approval with DTI 20.149% vs Actual 25.76% due miscalculation of rental income. Lender provided REO Rental Calculations, Bonus Worksheet, Employer Letter, Income Worksheet, Schedule E, and WVOE, further review of documents presented, income matches, the problem is with rental calculation for  REO -XXX XXXXXXX XX, Lender entered taxes of $XX,XXX.XX, which cause the rental income at $X,XXX.XX, when the actual taxes on SCH E is $X,XXX.XX, which rental income calculated at $X,XXX.XX, condition remains.

Summary: Borrower has resided in current property for 20.00 years. ; Summary: Refinance reduces total housing payment by  $-X,XXX.XX.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000441522

255_422_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with  Occupancy,.

(2021-07-07) Lender provided an AUS approving the DTI.  Condition is cleared. (2021-07-01) Invalid AUS is due DTI, Loan approval with DTI 20.149% vs Actual 25.76% due miscalculation of rental income. Lender provided REO Rental Calculations, Bonus Worksheet, Employer Letter, Income Worksheet, Schedule E, and WVOE, further review of documents presented, income matches, the problem is with rental calculation for  REO -XXX XXXXXXX XX, Lender entered taxes of $XX,XXX.XX, which cause the rental income at $X,XXX.XX, when the actual taxes on XXX X is $X,XXX.XX, which rental income calculated at $X,XXX.XX, condition remains.

Summary: Borrower has resided in current property for 20.00 years. ; Summary: Refinance reduces total housing payment by  $-X,XXX.XX.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000441522

255_422_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  1 Fraud Report in file Borrower: No CoBorrower: ___ Borrower 3: ___ Borrower 4: ___

(2021-07-01) trailing docs- Lender provided fraud report with OFAC search, condition cleared.

Summary: Borrower has resided in current property for 20.00 years. ; Summary: Refinance reduces total housing payment by  $-X,XXX.XX.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000441966

255_389_11312

11312

Credit

DTI Exceeds Guidelines

The exception 'DTI Exceeds Guidelines' is cleared. From fields in template: Loan Type ---- XXXXXXXXXXXX Debt Ratio ---- 47.72 Guideline DTI with Tolerance ---- 48

(2021-07-06) Lender provided an acceptable AUS.  Condition is cleared.

Summary: Borrower has resided in current property for 25.00 years. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 132.44 months reserves. ; Summary: Primary borrower has 36.33 years in field.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000441966

255_389_18600

18600

Credit

Invalid AUS

The exception 'Invalid AUS' is cleared. From fields in template: How Was Loan Underwritten ---- AUS Assets ---- No CLTV ---- No DTI ---- No FICO ---- No Income ---- No Incorrect Figures ---- No Incorrect Loan Application ---- No LTV ---- No Occupancy ---- No Omission of Debt ---- No Other Debt ---- No Reserves ---- No Subject PITI ---- No Subject Property Address ---- No Wrong Loan Amount ---- No The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects a miscalculation of the capital gains income. Lender used net long-term capital gain from Schedule D of XXXX and XXXX 1040s to calculate qualifying income. Audit used combination of net short-term capital gain and net long-term capital gain.

(2021-07-06) Lender provided evidence of taxes and insurance for primary residence.  Condition is cleared.

Summary: Borrower has resided in current property for 25.00 years. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 132.44 months reserves. ; Summary: Primary borrower has 36.33 years in field.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000441966

255_389_1454

1454

Credit

Missing Evidence of Insurance for Primary Residence

Missing Evidence of Insurance for Primary Residence Evidence of insurance for primary residence on the final application not provided.

(2021-07-06) Lender provided evidence of taxes and insurance for primary residence.  Condition is cleared.

Summary: Borrower has resided in current property for 25.00 years. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 132.44 months reserves. ; Summary: Primary borrower has 36.33 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000441966

255_389_1451

1451

Credit

Missing Evidence of Property Taxes for Primary Residence

Missing Evidence of Property Taxes for Primary Residence Evidence of property taxes for primary residence on the final application not provided.

(2021-07-06) Lender provided evidence of taxes and insurance for primary residence.  Condition is cleared.

Summary: Borrower has resided in current property for 25.00 years. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 132.44 months reserves. ; Summary: Primary borrower has 36.33 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000441966

255_389_-99944

-99944

Compliance

Late Fees Test

This loan failed the late fees test.The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.PLEASE NOTE: Certain states impose a late charge restriction that requires a comparison of the late fees charge, expressed either as a percentage or a dollar amount, or as both. In cases where the user provided data does not contain the required data point, ComplianceAnalyzer® will calculate the required data point from the late charge value entered by the user, and for such purpose will use the system's calculation of the scheduled monthly payment amount. Such data point calculations are an estimate based on the user provided data, and may not reflect the actual late charge threshold on an irregular payment, or if the maximum permitted late charge is based on the amount of the scheduled payment that is outstanding and not the entire scheduled payment.

(2021-07-13) Confirmed occupancy of non-owner; Downgrade of exception as most conservative approach per guidance

Summary: Borrower has resided in current property for 25.00 years. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 132.44 months reserves. ; Summary: Primary borrower has 36.33 years in field.

Active

2

2

B

B

B

B

B

B

B

B

B

B

Yes

0000441966

255_389_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS). Loan is failing to meet Temporary Qualified Mortgage due to missing evidence of property taxes and insurance for primary residence. Additional conditions may apply.

(2021-07-06) AUS Standards are now met and loan meets TQM standards. (2021-07-06) Lender provided evidence of taxes and insurance for primary residence.  Condition is cleared. (2021-07-06) Provide evidence of property taxes and insurance for primary residence. Condition remains.

Summary: Borrower has resided in current property for 25.00 years. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 132.44 months reserves. ; Summary: Primary borrower has 36.33 years in field.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000441981

255_423_1466

1466

Credit

Missing Evidence of XXX Dues for Primary Residence

Missing Evidence of XXX Dues for Primary Residence

(2021-07-01) Lender provided acceptable evidence of XXX dues.  Condition is cleared.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000444696

255_425_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with  Occupancy,.

(2021-07-13) Condition is rescinded

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000444696

255_425_16940

16940

Compliance

E-Consent documentation on Pre-TRID loan is missing for borrower(s)

E-Consent documentation on Pre-TRID loan is missing for borrower(s)

(2021-07-13) Condition Rescinded - Erroneous fail

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000444696

255_425_-99527

-99527

Compliance

Initial TIL Disclosure Date Test

This loan passed the initial TIL disclosure date test due to one of the following: ( 12 CFR §1026.17(b),1026.19(a) , transferred from  12 CFR §226.17(b) ,  226.19(a) ,  as amended in XXXX )The date creditor received the application (formerly application date) is on or after XXXX XX XXXX, and:The loan is a mortgage transaction subject to the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.) that is secured by the consumer's dwelling; and The initial TIL disclosure date is not later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives the consumer's written application; andThe initial TIL disclosure date is not later than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction.Or, the application date of the loan is before XXXX XX, XXXX, andThe loan is a "residential mortgage transaction" subject to the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.); andThe initial TIL disclosure date is before consummation or three business days after the creditor receives the consumer's written application, whichever is earlier.This calculations takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(a)(1)(i) (early disclosures three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.

(2021-07-13) Condition Rescinded - Erroneous fail

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000444696

255_425_11895

11895

Compliance

Missing Initial Broker Application Date - unable to complete Compliance review

Missing Initial Broker Application Date - unable to complete Compliance review

(2021-07-13) Condition Rescinded - Erroneous fail

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000444696

255_425_11907

11907

Compliance

Missing Initial Lender of Record Application Date - unable to complete Compliance review

The exception 'Missing Initial Lender of Record Application Date - unable to complete Compliance review' is cleared.

(2021-07-13) Condition Rescinded - Erroneous fail

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000444696

255_425_16942

16942

Compliance

PreTRID disclosure(s) for Borrower electronically dated prior to E-Consent

PreTRID disclosure(s) signed XX/XX/XXXX is prior to E-Consent from Borrower dated X/XX/XXXX

(2021-07-13) Condition Rescinded - Erroneous fail

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000444696

255_425_-99986

-99986

Compliance

TILA APR Test

This loan passed the TILA APR test due to one or more of the following findings: ( 12 CFR §1026.22(a)(2), (4) , transferred from  12 CFR §226.22(a)(2), (4) ) The disclosed annual percentage rate (APR) of 3.544% is considered accurate because it is not more than 1/8 of 1 percentage point above or below the APR of 3.540% as determined in accordance with the actuarial method; orThe disclosed APR results from the disclosed finance charge, and the disclosed finance charge is considered accurate under §1026.18(d)(1) (the finance charge test), or for purposes of rescission the disclosed finance charge is considered accurate under §1026.23(g) or (h) (the rescission finance charge test or the foreclosure rescission finance charge test), whichever applies.

(2021-06-28) Invalid finding. Finding rescinded.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000444696

255_425_-99349

-99349

Compliance

TILA Finance Charge Test

This loan passed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from  12 CFR §226.18(d)(1) )The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is considered accurate because:It is understated by no more than $100; orIt is greater than the amount required to be disclosed.

(2021-06-28) Invalid finding. Finding rescinded.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000444696

255_425_-96378

-96378

Compliance

TRID Post-Consummation Reason for Redisclosure Validation Test

(2021-07-13) Condition Rescinded

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000446219

255_426_12430

12430

Credit

Missing Evidence of Property Taxes for REO4

Evidence of property taxes for property 7  on the final application not provided.

(2021-07-01) Lender provided acceptable evidence of property taxes for REO4.  Condition is cleared.

Summary: Borrower has resided in current property for 8.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000446219

255_426_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is Missing, Unknown, Unknown, Unknown

(2021-06-25) Client provided CDA that supports value at origination, condition cleared.

Summary: Borrower has resided in current property for 8.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000446219

255_426_15997

15997

Credit

Required Documentation is Missing

The loan file is missing VOM for XXXXX XXXXX mortgage with balance of $XXX,XXX.XX and $X,XXX.XX monthly payment required by DU. Also missing verification, the following mortgages with XX&X for $XXX,XXX.XX and $XXX,XXX.XX are closed due to mortgages not disclosed on any of the loan applications. Mortgages are reflected on co-borrower's credit report. Additional conditions may apply.

(2021-07-01) These conditions are rescinded. (2021-07-01) The loan file is missing VOM for XXXXX XXXXX mortgage with balance of $XXX,XXX.XX and $X,XXX.XX monthly payment required by DU. Also missing verification, the following mortgages with XX&X for $XXX,XXX.XX and $XXX,XXX.XX are closed due to mortgages not disclosed on any of the loan applications. Mortgages are reflected on co-borrower's credit report. Additional conditions may apply.

Summary: Borrower has resided in current property for 8.00 years.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000446219

255_426_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS).

(2021-07-01) AUS Standards are now met and loan meets TQM standards. (2021-07-01) AUS Standards are now met and loan meets TQM Standards.

Summary: Borrower has resided in current property for 8.00 years.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000446260

255_301_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is Missing, No CDA in File, No AVM in file, No Field Review in file

(2021-06-24) CDA is acceptable.  Condition is cleared.

Summary: UW Guides require 15.21 months reserves, loan qualified with 53.55 months reserves. ; Summary: Primary borrower has 15.67 years in field. ; Summary: Refinance reduces rate from 4.13% to 3.63%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000446260

255_301_17453

17453

Compliance

Temporary Qualified Mortgage Points & Fees Failure

This loan's points and fees exceed the qualified mortgage points and fees threshold. A qualified mortgage is a covered transaction that limits the points and fees charged at consummation to a specific percentage or flat dollar amounts dependent upon the mortgage's total loan amount.

(2021-07-06) Loan Detail Report with Par Rate in file. (2021-06-23) $X,XXX.XX > $X,XXX.XX, the maximum points and fees allowed under QM, by $X,XXX.XX. When discount points are involved, the lender can try to prove they are bona fide. To verify bona fide discount points, we will need the rate sheet, PAR, or some form of proof that verifies the amount the borrower paid in points directly led to a discount in rate.

Summary: UW Guides require 15.21 months reserves, loan qualified with 53.55 months reserves. ; Summary: Primary borrower has 15.67 years in field. ; Summary: Refinance reduces rate from 4.13% to 3.63%.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000462831

255_349_15997

15997

Credit

Required Documentation is Missing

The loan file is missing evidence of the PITI for the borrower's primary residence being purchased 3 days after the subject close located at XXX X XXXX XXXXXX with the cash out from the subject trasaction.  Additional conditions may apply.

(2021-06-24) Lender provided Final CD for primary residence located at XXX X XXXX XX dated XX/XX/XXXX, condition cleared.

Summary: UW Guides require 6.03 months reserves, loan qualified with 101.54 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000463034

255_428_1472

1472

Credit

Borrower's financed properties exceed guideline maximum

A borrower is not eligible for financing if they currently have 9 financed properties.  Per the schedule of real estate owned, the borrower(s) currently (has/have) 10 financed properties, which makes them ineligible for financing.

(2021-07-01) Condition is rescinded.

Summary: Borrower has resided in current property for 10.00 years.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000463034

255_428_8678

8678

Credit

Missing Evidence of XXX Dues for REO10

Missing Evidence of XXX Dues for REO10

(2021-07-07) Lender provided required evidence.  Condition is cleared. (2021-07-01) Lender provided evidence of HOI which indicated that REO10 (XXX XXXXXXXX XXX) is a condo.  Evidence of XXX dues is required.

Summary: Borrower has resided in current property for 10.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000463034

255_428_8671

8671

Credit

Missing Evidence of XXX Dues for REO4

Missing Evidence of XXX Dues for REO4

(2021-07-07) Lender provided required evidence.  Condition is cleared. (2021-07-01) Lender provided master HOI policy showing  REO4 (XX XXXXXXXX) is a condo.

Summary: Borrower has resided in current property for 10.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000463034

255_428_8728

8728

Credit

Missing Evidence of Insurance for REO10

Missing Evidence of Insurance for property 10 on final application

(2021-07-01) Lender provided master association policy for REO10 (XXX XXXXXXXX).  Condition is cleared.

Summary: Borrower has resided in current property for 10.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000463034

255_428_8730

8730

Credit

Missing Evidence of Insurance for REO12

Missing Evidence of Insurance for property 12 on final application

(2021-07-01) Condition is rescinded.

Summary: Borrower has resided in current property for 10.00 years.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000463034

255_428_8733

8733

Credit

Missing Evidence of Insurance for REO14

Missing Evidence of Insurance for property 14 on final application

(2021-07-01) Lender advised REO14 (XX XXXXXXXX) is the same as REO4 (XX XXXXXXXX).  Condition is cleared.

Summary: Borrower has resided in current property for 10.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000463034

255_428_8720

8720

Credit

Missing Evidence of Insurance for REO4

Missing Evidence of Insurance for property 4 on final application

(2021-07-01) Lender provided master HOI policy for  REO4 (XX XXXXXXXX.)  Condition is cleared.

Summary: Borrower has resided in current property for 10.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000463034

255_428_5143

5143

Credit

Missing Evidence of Property Taxes for REO12

Evidence of property taxes for property 12  on the final application not provided.

(2021-07-01) Lender provided evidence this property is the borrower's primary and not owned by borrower.  Condition is rescinded.

Summary: Borrower has resided in current property for 10.00 years.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000463034

255_428_5145

5145

Credit

Missing Evidence of Property Taxes for REO14

Evidence of property taxes for property 14  on the final application not provided.

(2021-07-01) Lender advised REO14 (XX XXXXXXXX) is the same as REO4 (XX XXXXXXXX).  Condition is cleared.

Summary: Borrower has resided in current property for 10.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000463034

255_428_12430

12430

Credit

Missing Evidence of Property Taxes for REO4

Evidence of property taxes for property 4  on the final application not provided.

(2021-07-01) Lender provided tax bill for  REO4 (XX XXXXXXXX.)  Condition is cleared.

Summary: Borrower has resided in current property for 10.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000463034

255_428_5156

5156

Credit

Missing Evidence that REO11 Property is Owned Free and Clear

Missing Evidence that REO11 Property is Owned Free and Clear

(2021-07-01) Lender provided evidence that REO11 (XXX XXXXXXX) is not owned by the borrower.  Condition is cleared.

Summary: Borrower has resided in current property for 10.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000463034

255_428_5166

5166

Credit

Missing Evidence that REO14 Property is Owned Free and Clear

Missing Evidence that REO14 Property is Owned Free and Clear

(2021-07-01) Lender advised REO14 (XX XXXXXXXX) is the same as REO4 (XX XXXXXXXX).  Condition is cleared.

Summary: Borrower has resided in current property for 10.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000463034

255_428_5153

5153

Credit

Missing Evidence that REO9 Property is Owned Free and Clear

Missing Evidence that REO9 Property is Owned Free and Clear

(2021-07-01) Lender provided evidence that the borrower does not own REO9 (XXXX XXXXXXXX).  Condition is cleared.

Summary: Borrower has resided in current property for 10.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000463034

255_428_15997

15997

Credit

Required Documentation is Missing

The loan file is missing evidence of taxes for XXX XXXXXXXX XXX. Missing evidence of new P&I payment for the following properties: XX XXXXXXXXX XX, XX XXXXX XX, and XXX XXXXXX XX all new mortgages held by XXX. DU condition #15 omitted the following mortgages XXXX $XXX,XXX.XX, XXXX $XXX,XXX.XX and XXXXXXXXX XXXXXXX XXXXXXX $XXX,XXX.XX, however documentation for omission of debts were not provided. DU condition #17 also requested VOM for the following mortgages XXX $X,XXX,XXX.XX, XXXXX $XX,XXX.XX.XX, XXX $X,XXX,XXX.XX and XXX $X,XXX,XXX.XX, however documentation was not provided. Additional conditions may apply.

(2021-07-01) Lender provided CD's from refinances with XXX.  Condition is cleared. (2021-07-01) The loan file is missing evidence of taxes for XXX XXXXXXXX XXX. Missing evidence of new P&I payment for the following properties: XX XXXXXXXXX XX, XX XXXXX XX, and XXX XXXXXX XX all new mortgages held by XXX. DU condition #15 omitted the following mortgages XXXX $XXX,XXX.XX, XXXX $XXX,XXX.XX and XXXXXXXXX XXXXXXX XXXXXXX $XXX,XXX.XX, however documentation for omission of debts were not provided. DU condition #17 also requested VOM for the following mortgages XXX $X,XXX,XXX.XX, XXXXX $XX,XXX.XX, XXX $X,XXX,XXX.XX and XXX $X,XXX,XXX.XX, however documentation was not provided. Additional conditions may apply.

Summary: Borrower has resided in current property for 10.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000463034

255_428_18590

18590

Credit

Residual Income does not meet guideline minimum

Residual Income is $-XX,XXX.XX which is less than the guideline minimum of $0.00.

(2021-07-07) Rescind (2021-07-01) Condition is rescinded.

Summary: Borrower has resided in current property for 10.00 years.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000463034

255_428_15996

15996

Credit

Transaction Ineligible

The exception 'Transaction Ineligible' is cleared.

(2021-07-01) Condition is rescinded.

Summary: Borrower has resided in current property for 10.00 years.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000463034

255_428_-99944

-99944

Compliance

Late Fees Test

This loan failed the late fees test.The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.PLEASE NOTE: Certain states impose a late charge restriction that requires a comparison of the late fees charge, expressed either as a percentage or a dollar amount, or as both. In cases where the user provided data does not contain the required data point, ComplianceAnalyzer® will calculate the required data point from the late charge value entered by the user, and for such purpose will use the system's calculation of the scheduled monthly payment amount. Such data point calculations are an estimate based on the user provided data, and may not reflect the actual late charge threshold on an irregular payment, or if the maximum permitted late charge is based on the amount of the scheduled payment that is outstanding and not the entire scheduled payment.

(2021-07-13) Confirmed occupancy of non-owner; Downgrade of exception as most conservative approach per guidance.

Summary: Borrower has resided in current property for 10.00 years.

Active

2

2

B

B

B

B

B

B

B

B

B

B

Yes

0000463034

255_428_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS).

(2021-07-02) AUS Standards are now met and loan meets TQM standards. (2021-07-02) AUS Standards are now met and loan meets TQM standards.

Summary: Borrower has resided in current property for 10.00 years.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000463470

255_429_-99944

-99944

Compliance

Late Fees Test

This loan failed the late fees test.The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.PLEASE NOTE: Certain states impose a late charge restriction that requires a comparison of the late fees charge, expressed either as a percentage or a dollar amount, or as both. In cases where the user provided data does not contain the required data point, ComplianceAnalyzer® will calculate the required data point from the late charge value entered by the user, and for such purpose will use the system's calculation of the scheduled monthly payment amount. Such data point calculations are an estimate based on the user provided data, and may not reflect the actual late charge threshold on an irregular payment, or if the maximum permitted late charge is based on the amount of the scheduled payment that is outstanding and not the entire scheduled payment.

(2021-07-08) Investment Property - Late Charge 5% allowed - Downgraded to B

Summary: Refinance reduces total housing payment by  $-XXXX.XX.

Active

2

2

B

B

B

B

B

B

B

B

B

B

Yes

0000463686

255_430_11312

11312

Credit

DTI Exceeds Guidelines

Guidelines reflect a DTI of 49.00%. Due to a miscalculation of debts to income, the actual DTI is 733.18%. Income  used includes total borrower income $XXXX.XX plus subject property positive rental income $0.00 plus other REO positive rental income $0.00. Total debt amount used is $XXXXX.XX.

(2021-07-12) Client provided documentation to resolve. Condition cleared.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000463686

255_430_1811

1811

Credit

Insufficient asset documentation in file - assets do not cover closing costs

Verified assets of $XXXXXX.XX less cash to close $XXXXXX.XX and less unverified earnest money $0.00 results in $-XXXXX.XX shortage of funds to close.

(2021-07-07) Lender provided evidence the Amex account was an authorized user and was not the borrower's responsibility, rescind. (2021-07-07) Change status of 'Insufficient asset documentation in file - assets do not cover closing costs' from Cleared to Rescind. Lender provided evidence the Amex account was an authorized user and was not the borrower's responsibility, rescind. (2021-07-01) Lender provided bank statements and credit report, which both are present in the loan file, review of the information  in regards to assets,  Verified assets of $XXXXXX.XX- closing cost $XXXXXX.XX- reserves -XXXXX.XX = XXXXX.XX available, AMEX balance of $XXXXX.XX, which causing a shortage of $XXXXX.XX.  There is no proof in the file this account is being paid by someone and it was not included in the DTI,  need proof in order to clear condition remains

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000463686

255_430_11547

11547

Credit

Insufficient Reserves

Verified assets of  $XXXXXX.XX minus cash to close of  $XXXXXX.XX minus the unverified earnest money deposit of $0.00 equates to -7.21 months of reserves, or $-XXXXX.XX, which is less than the required 7.19 months reserves, totaling $XXXXX.XX.

(2021-07-07) Lender provided evidence the Amex account was an authorized user and was not the borrower's responsibility, rescind. (2021-07-01) Lender provided bank statements and credit report, which both are present in the loan file, review of the information  in regards to assets,  Verified assets of $XXXXX.XX- closing cost $XXXXX.XX- reserves -XXXXX.XX = XXXXX.XX available, AMEX balance of $XXXXX.XX, which causing a shortage of $XXXXX.XX.  There is no proof in the file this account is being paid by someone and it was not included in the DTI,  need proof in order to clear condition remains

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000463686

255_430_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with  Occupancy,.

(2021-07-07) Lender provided evidence the Amex account was an authorized user and was not the borrower's responsibility, rescind. (2021-07-01) Lender provided bank statements and credit report, which both are present in the loan file, review of the information  in regards to assets,  Verified assets of $XXXXXX.XX- closing cost $XXXXXX.XX- reserves -XXXXX.XX = XXXXX.XX available, XXXX balance of $XXXXX.XX, which causing a shortage of $XXXXX.XX.  There is no proof in the file this account is being paid by someone and it was not included in the DTI,  need proof in order to clear condition remains

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000463686

255_430_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  1 Fraud Report in file Borrower: No CoBorrower: ___ Borrower 3: ___ Borrower 4: ___

(2021-07-01) Lender provided Fraud report with OFAC Search, condition cleared.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000463686

255_430_10748

10748

Credit

OFAC Search

The OFAC search was not provided. Borrowers on loan: 1  OFAC search in file:  Borrower: No CoBorrower:___ Borrower 3: ___ Borrower 4: ___

(2021-07-01) Lender provided Fraud report with OFAC Search, condition cleared.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000463686

255_430_15997

15997

Credit

Required Documentation is Missing

Missing proof of non-ownership for rental properties XXX XXXXXXXXX XXXXXX and XXX X XXXXXXXXX XXXX listed on the XXXX Schedule E.

(2021-07-01) Lender provided proof of non-ownership for XXX XXXXXXXXX XXXXXX and XXX X XXXXXXXXX XXXX #610, condition cleared. (2021-06-25) Missing proof of non-ownership for rental properties XXX XXXXXXXXX XXXXXX and XXX X XXXXXXXXX XXXX listed on the XXXX Schedule E.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000463686

255_430_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS).

(2021-07-02) AUS Standards are now met and loan meets TQM standards. (2021-07-02) AUS Standards are now met and loan meets TQM standards. (2021-07-01) Lender provided bank statements and credit report, which both are present in the loan file, review of the information  in regards to assets,  Verified assets of $XXXXXX.XX- closing cost $XXXXXX.XX- reserves -XXXXX.XX = XXXXX.XX available, XXXX balance of $XXXXX.XX, which causing a shortage of $XXXXX.XX.  There is no proof in the file this account is being paid by someone and it was not included in the DTI,  need proof in order to clear condition remains

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000465807

255_432_15997

15997

Credit

Required Documentation is Missing

New P&I missing from loan file for XXXXX XXXXX XXXXXX.

(2021-07-01) Lender provided Final CD showing mortgage being paid off  XXX, condition cleared.

Summary: Refinance reduces total housing payment by  $-XXXX.XX.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000465807

255_432_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS).

(2021-07-01) AUS Standards are now met and loan meets TQM standards. (2021-07-01) Lender provided Final CD showing mortgage being paid off  XXX, condition cleared.

Summary: Refinance reduces total housing payment by  $-XXXX.XX.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000470164

255_433_1454

1454

Credit

Missing Evidence of Insurance for Primary Residence

Missing Evidence of Insurance for Primary Residence

(2021-07-02) Lender provided evidence of insurance for primary residence.  Condition is cleared.

Summary: Borrower has resided in current property for 6.42 years. ; Summary: Refinance reduces total housing payment by  $-XXXX.XX.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000470164

255_433_1451

1451

Credit

Missing Evidence of Property Taxes for Primary Residence

Missing Evidence of Property Taxes for Primary Residence

(2021-07-02) Lender provided evidence of taxes for primary residence.  Condition is cleared.

Summary: Borrower has resided in current property for 6.42 years. ; Summary: Refinance reduces total housing payment by  $-XXXX.XX.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000470164

255_433_15997

15997

Credit

Required Documentation is Missing

The loan file is missing misiing mortgage statements for the following properties: XXXXX XXXXXXXXXX XXXXXXX XXXXX XXXXXXXXXX

(2021-07-02) Lender provided required proof for the properties listed.  Condition is clear. (2021-07-02) Provide proof of P&I and evidence mortgage is current for the following: XXXX XXXX XXXX XXX-XXX XXXXXXXXXX XX XXX-XXX X XXXXXXX XX

Summary: Borrower has resided in current property for 6.42 years. ; Summary: Refinance reduces total housing payment by  $-XXXX.XX.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000473765

255_434_1220

1220

Credit

Ineligible property type

Property type is ineligible due to ___

(2021-07-12) Client provided documentation to resolve. Condition cleared.

Summary: Borrower has resided in current property for 19.00 years.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000473765

255_434_18446

18446

Credit

Missing Evidence of Self Employment - CoBorrower Schedule C Business

CoBorrower is self-employed and is missing verification of self-employment dated within 120 prior to the Note date on the schedule C business listed in position 1 on the application.  Documentation Requirements: Allow CPA Letter or Business License or other valid verification.  Status of possible documentation for verification of self-employment:  CPA letter is Not in File, Business license is Not in File, Other verification is Not in File.  The note date is X/XX/XXXX.   There is no evidence indicating the loan had been delivered to the GSE. ___

(2021-07-02) Lender provided recent search of business whitepages listing.  Condition is cleared.

Summary: Borrower has resided in current property for 19.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000473765

255_434_18529

18529

Credit

Missing Executed Business Returns for S Corporation 1 (Borrower 1)

Borrower 1 is self-employed and is missing the executed business returns for the S Corporation listed in position ___ on the application. The business returns in file is ___, the number of years returns are ___, and the override condition exists and met for less than 2 years returns is ___.

(2021-07-12) Client provided documentation to resolve. Condition cleared.

Summary: Borrower has resided in current property for 19.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000473765

255_434_18540

18540

Credit

Missing Executed Business Returns for S Corporation 10 (Borrower 1)

Borrower 1 is self-employed and is missing the executed business returns for the S Corporation listed in position ___ on the application. The business returns in file is ___, the number of years returns are ___, and the override condition exists and met for less than 2 years returns is ___.

(2021-07-12) Client provided documentation to resolve. Condition cleared.

Summary: Borrower has resided in current property for 19.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000473765

255_434_18530

18530

Credit

Missing Executed Business Returns for S Corporation 2 (Borrower 1)

Borrower 1 is self-employed and is missing the executed business returns for the S Corporation listed in position ___ on the application. The business returns in file is ___, the number of years returns are ___, and the override condition exists and met for less than 2 years returns is ___.

(2021-07-12) Client provided documentation to resolve. Condition cleared.

Summary: Borrower has resided in current property for 19.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000473765

255_434_18531

18531

Credit

Missing Executed Business Returns for S Corporation 3 (Borrower 1)

Borrower 1 is self-employed and is missing the executed business returns for the S Corporation listed in position ___ on the application. The business returns in file is ___, the number of years returns are ___, and the override condition exists and met for less than 2 years returns is ___.

(2021-07-12) Client provided documentation to resolve. Condition cleared.

Summary: Borrower has resided in current property for 19.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000473765

255_434_18532

18532

Credit

Missing Executed Business Returns for S Corporation 4 (Borrower 1)

Borrower 1 is self-employed and is missing the executed business returns for the S Corporation listed in position ___ on the application. The business returns in file is ___, the number of years returns are ___, and the override condition exists and met for less than 2 years returns is ___.

(2021-07-12) Client provided documentation to resolve. Condition cleared.

Summary: Borrower has resided in current property for 19.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000473765

255_434_18533

18533

Credit

Missing Executed Business Returns for S Corporation 5 (Borrower 1)

Borrower 1 is self-employed and is missing the executed business returns for the S Corporation listed in position ___ on the application. The business returns in file is ___, the number of years returns are ___, and the override condition exists and met for less than 2 years returns is ___.

(2021-07-12) Client provided documentation to resolve. Condition cleared.

Summary: Borrower has resided in current property for 19.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000473765

255_434_18534

18534

Credit

Missing Executed Business Returns for S Corporation 6 (Borrower 1)

Borrower 1 is self-employed and is missing the executed business returns for the S Corporation listed in position ___ on the application. The business returns in file is ___, the number of years returns are ___, and the override condition exists and met for less than 2 years returns is ___.

(2021-07-12) Client provided documentation to resolve. Condition cleared.

Summary: Borrower has resided in current property for 19.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000473765

255_434_18535

18535

Credit

Missing Executed Business Returns for S Corporation 7 (Borrower 1)

Borrower 1 is self-employed and is missing the executed business returns for the S Corporation listed in position ___ on the application. The business returns in file is ___, the number of years returns are ___, and the override condition exists and met for less than 2 years returns is ___.

(2021-07-12) Client provided documentation to resolve. Condition cleared.

Summary: Borrower has resided in current property for 19.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000473765

255_434_18536

18536

Credit

Missing Executed Business Returns for S Corporation 8 (Borrower 1)

Borrower 1 is self-employed and is missing the executed business returns for the S Corporation listed in position ___ on the application. The business returns in file is ___, the number of years returns are ___, and the override condition exists and met for less than 2 years returns is ___.

(2021-07-12) Client provided documentation to resolve. Condition cleared.

Summary: Borrower has resided in current property for 19.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000473765

255_434_18539

18539

Credit

Missing Executed Business Returns for S Corporation 9 (Borrower 1)

Borrower 1 is self-employed and is missing the executed business returns for the S Corporation listed in position ___ on the application. The business returns in file is ___, the number of years returns are ___, and the override condition exists and met for less than 2 years returns is ___.

(2021-07-12) Client provided documentation to resolve. Condition cleared.

Summary: Borrower has resided in current property for 19.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000473765

255_434_7741

7741

Credit

Missing Executed Personal Tax Returns for Coborrower

Guidelines state: At least 2 years personal returns required.  Personal Tax Return in File: No.  Tax Transcripts - income supported: ___. Details: ___

(2021-07-12) Client provided documentation to resolve. Condition cleared.

Summary: Borrower has resided in current property for 19.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000473765

255_434_17355

17355

Credit

Missing Paystubs (CoBorrower)

CoBorrower is missing Paystubs for the job listed in position ___ on the application

(2021-07-12) Client provided documentation to resolve. Condition cleared.

Summary: Borrower has resided in current property for 19.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000473765

255_434_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is Missing, Unknown, Unknown, Unknown

(2021-07-12) Client provided documentation to resolve. Condition cleared.

Summary: Borrower has resided in current property for 19.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000473765

255_434_15237

15237

Credit

Missing W-2 Job 1 (CoBorrower)

Lender's guidelines require 2 years' W-2. Two years' W-2 not provided for XXXXXXXXXX job listed in position ___ on the application. Number of W-2s in file is ___

(2021-07-12) Client provided documentation to resolve. Condition cleared.

Summary: Borrower has resided in current property for 19.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000473765

255_434_11895

11895

Compliance

Missing Initial Broker Application Date - unable to complete Compliance review

Missing Initial Broker Application Date - unable to complete Compliance review

(2021-07-13) Client provided documentation to resolve. Condition cleared (2021-07-12) Client provided documentation to resolve. Condition cleared.

Summary: Borrower has resided in current property for 19.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000473765

255_434_11907

11907

Compliance

Missing Initial Lender of Record Application Date - unable to complete Compliance review

The exception 'Missing Initial Lender of Record Application Date - unable to complete Compliance review' is cleared.

(2021-07-13) Client provided documentation to resolve. Condition cleared. (2021-07-12) Client provided documentation to resolve. Condition cleared.

Summary: Borrower has resided in current property for 19.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000473765

255_434_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS).

(2021-07-02) AUS Standards are now met and loan meets TQM standards. (2021-07-02) AUS Standards are now met and loan meets TQM standards.

Summary: Borrower has resided in current property for 19.00 years.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000475066

255_436_16575

16575

Credit

HELOC Closure Letter Not Provided

The Borrower Authorization to Close Out Home Equity Line of Credit (HELOC) was not provided.

(2021-07-01) Lender provide Heloc close out letter with the Satisfaction of Mortgag, condition cleared.

Summary: Borrower has resided in current property for 6.50 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000475066

255_436_18270

18270

Credit

Missing Evidence of Self Employment - Borrower 1 Schedule C Business

Borrower 1 is self-employed and is missing verification of self-employment dated within 120 prior to the Note date on the schedule C business listed in position 1 on the application.  Documentation Requirements: Allow CPA Letter or Business License or other valid verification.  Status of possible documentation for verification of self-employment:  CPA letter is Not in File, Business license is Not in File, Other verification is Not in File.  The note date is X/X/XXXX.   There is no evidence indicating the loan had been delivered to the GSE. ___

(2021-07-01) Lender provided business license, which expires XX/XX/XXXX, condition cleared.

Summary: Borrower has resided in current property for 6.50 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000489790

255_445_10285

10285

Credit

Incomplete AUS Results

AUS Results are incomplete.

(2021-07-01) Lender provided complete AUS/LP dated XX/XX/XX, condition cleared.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000500865

255_447_15997

15997

Credit

Required Documentation is Missing

New P&I is missing in loan file for XXX XXXXXX XXXXXX.

(2021-07-02) Lender provided required documentation.  Condition is cleared.

Summary: Refinance reduces total housing payment by  $-XXXX.XX. ; Summary: Borrower has resided in current property for 27.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000500865

255_447_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS).

(2021-07-02) AUS Standards are now met and loan meets TQM standards. (2021-07-02) Lender provided required documentation.  Condition is cleared.

Summary: Refinance reduces total housing payment by  $-XXXX.XX. ; Summary: Borrower has resided in current property for 27.00 years.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000500906

255_448_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  1 Fraud Report in file Borrower: No CoBorrower: ___ Borrower 3: ___ Borrower 4: ___

(2021-07-01) Lender provided the Third Party Fraud Report with all Red Flags addressed.  Condition Cleared.

Cleared

2

1

B

A

B

A

B

A

B

A

B

A

Yes

0000505228

255_452_1538

1538

Credit

Missing Rental Income Documentation for Subject Property

Missing Rental Income Documentation for Subject Property. The required documentation is: ___. The missing documentation is: 1007 or 1025.

(2021-07-01) Borrower provided letter stating the market rents of $XXXX to $XXXX, there is a  market rent analysis was provided in the loan file, this document is deem acceptable per XXXX since the property is not occupied at this time, condition cleared.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000505228

255_452_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  1 Fraud Report in file Borrower: No CoBorrower: ___ Borrower 3: ___ Borrower 4: ___

(2021-07-12) Client provided documentation to resolve. Condition cleared.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000505228

255_452_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS).

(2021-07-01) AUS Standards are now met and loan meets TQM standards. (2021-07-01) Lender provided fraud report with OFAC Search and Letter of Market Rents with Rental Market Analysis, which provided in the loan file, condition cleared.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000506240

255_453_1466

1466

Credit

Missing Evidence of XXX Dues for Primary Residence

Missing Evidence of XXX Dues for Primary Residence

(2021-07-01)  Lender provided XXX statement for Primary residence, condition cleared.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000514371

255_455_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  1 Fraud Report in file Borrower: No CoBorrower: ___ Borrower 3: ___ Borrower 4: ___

(2021-07-01)  Lender provided Fraud report with OFAC search., condition cleared.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000514371

255_455_10748

10748

Credit

OFAC Search

The OFAC search was not provided. Borrowers on loan: 1  OFAC search in file:  Borrower: No CoBorrower:___ Borrower 3: ___ Borrower 4: ___

(2021-07-01)  Lender provided Fraud report with OFAC search., condition cleared.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000519176

255_456_10285

10285

Credit

Incomplete AUS Results

AUS Results are incomplete.

(2021-07-02) Lender provided complete AUS report.  Condition is cleared.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000519176

255_456_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  1 Fraud Report in file Borrower: No CoBorrower: ___ Borrower 3: ___ Borrower 4: ___

(2021-07-02) Lender provided an acceptable fraud report.  Condition is cleared.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000519350

255_457_17453

17453

Compliance

Temporary Qualified Mortgage Points & Fees Failure

This loan's points and fees exceed the qualified mortgage points and fees threshold. A qualified mortgage is a covered transaction that limits the points and fees charged at consummation to a specific percentage or flat dollar amounts dependent upon the mortgage's total loan amount.

(2021-07-07) Business purpose affidavit found in loan file.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000519590

255_458_17488

17488

Credit

Missing LOE for declining income for borrower 1

Missing LOE for borrower 1's declining income

(2021-07-07) Lender provided explanation regarding the YTD income upwardly trending.  Condition is cleared. (2021-07-01) Lender provided the Written VOE for the Borrower which was in the file on page 124.  The file is missing a LOE from the Borrower for a decline in income of $XX,XXX.XX from XXXX to XXXX.  Condition Remains.

Summary: Refinance reduces total housing payment by  $-XXXX.XX.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000529544

255_462_11312

11312

Credit

DTI Exceeds Guidelines

Guidelines reflect a DTI of 49.53%. Due to a miscalculation of debts to income, the actual DTI is 49.75%. Income  used includes total borrower income $X,XXX.XX plus subject property positive rental income $0.00 plus other REO positive rental income $0.00. Total debt amount used is $X,XXX.XX.

(2021-07-02) Lender provided calculation worksheet.  Condition is cleared.

Summary: Borrower has resided in current property for 10.00 years.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000529544

255_462_1095

1095

Credit

Insufficient Title Coverage

Title Coverage is $XXX,XXX.XX and the Loan Amount is $XXX,XXX.XX

(2021-07-02) Lender provided evidence of sufficient title coverage.  Condition is cleared.

Summary: Borrower has resided in current property for 10.00 years.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000529544

255_462_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with  Occupancy,.

(2021-07-02) Lender provided an AUS approving the final loan amount.  Condition is cleared.

Summary: Borrower has resided in current property for 10.00 years.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000529544

255_462_1103

1103

Credit

Loan amount exceeds the guideline maximum

Lender guidelines allow a maximum loan amount of $XXX,XXX.XX, per the loan approval and Note, the subject loan amount is $XXX,XXX.XX.

(2021-07-02) Lender provided an AUS approving the final loan amount.  Condition is cleared.

Summary: Borrower has resided in current property for 10.00 years.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000529544

255_462_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS).

(2021-07-02) Rescind.

Summary: Borrower has resided in current property for 10.00 years.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000530846

255_463_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  1 Fraud Report in file Borrower: No CoBorrower: ___ Borrower 3: ___ Borrower 4: ___

(2021-07-02) Trailing Doc:  Lender provided a Third Party Fraud Report with all Red Flags addressed, including OFAC.  Condition Cleared.

Summary: Refinance reduces total housing payment by  $-X,XXX.XX. ; Summary: Borrower has resided in current property for 21.00 years.

Cleared

2

1

B

A

B

A

B

A

B

A

B

A

Yes

0000530846

255_463_10748

10748

Credit

OFAC Search

The OFAC search was not provided. Borrowers on loan: 1  OFAC search in file:  Borrower: No CoBorrower:___ Borrower 3: ___ Borrower 4: ___

(2021-07-02) Lender provided a Third Party Fraud Report with all Red Flags addressed, including OFAC.  Condition Cleared.

Summary: Refinance reduces total housing payment by  $-X,XXX.XX. ; Summary: Borrower has resided in current property for 21.00 years.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000531183

255_464_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  2 Fraud Report in file Borrower: No CoBorrower: ___ Borrower 3: ___ Borrower 4: ___

(2021-07-02) Lender provided a Third Party Fraud Report with all Red Flags addressed, including OFA for both Borrower and CB.  Condition Cleared.

Summary: Refinance reduces total housing payment by  $-X,XXX.XX. ; Summary: Borrower has resided in current property for 14.00 years.

Cleared

2

1

B

A

B

A

B

A

B

A

B

A

Yes

0000531183

255_464_10748

10748

Credit

OFAC Search

The OFAC search was not provided. Borrowers on loan: 2  OFAC search in file:  Borrower: No CoBorrower:___ Borrower 3: ___ Borrower 4: ___

(2021-07-02) Lender provided a Third Party Fraud Report with all Red Flags addressed, including OFAC for both Borrower and CB.  Condition Cleared.

Summary: Refinance reduces total housing payment by  $-X,XXX.XX. ; Summary: Borrower has resided in current property for 14.00 years.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000533116

255_466_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is Missing, Unknown, Unknown, Unknown

(2021-07-02) Lender supplied a high quality AVM that supported the value, finding cleared.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000537007

255_467_927

927

Credit

Missing Mortgage/Deed of Trust

A Mortgage/Deed of Trust with borrower(s) signatures was not provided.

(2021-07-01) Valid Mortgage/Deed (2021-07-01) Lender provided record, signed and date by borrowers with the riders, condition cleared.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000537007

255_467_994

994

Credit

Missing Purchase Contract

A copy of the purchase contract was not provided.

(2021-07-01) Lender provided fully executed purchase agreement signed and dated by borrowers, condition cleared.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000540977

255_468_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  1 Fraud Report in file Borrower: No CoBorrower: ___ Borrower 3: ___ Borrower 4: ___

(2021-07-01) Lender provided fraud report with OFAC search,  conditon cleared.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000015598

255_60_1472

1472

Credit

Borrower's financed properties exceed guideline maximum

A borrower is not eligible for financing if they currently have 6 financed properties.  Per the schedule of real estate owned, the borrower(s) currently (has/have) 8 financed properties, which makes them ineligible for financing.

(2021-05-27) Cleared.

Summary: Borrower has resided in current property for 31.00 years. ; Summary: UW Guides require 37.51 months reserves, loan qualified with 213.20 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000015598

255_60_5139

5139

Credit

Missing Evidence of Property Taxes for REO8

Evidence of property taxes for property 8  on the final application not provided.

(2021-06-01) Tax information provided for REO

(2021-06-01) Client provided Tax information for REO - condition cleared

Summary: Borrower has resided in current property for 31.00 years. ; Summary: UW Guides require 37.51 months reserves, loan qualified with 213.20 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000015598

255_60_15997

15997

Credit

Required Documentation is Missing

Missing VOM's for DU condition #15 (both mortgages).

(2021-06-01) Mtg statements for both REOs provided

(2021-06-01) Client provided mtg statements for both REOs - condition cleared

Summary: Borrower has resided in current property for 31.00 years. ; Summary: UW Guides require 37.51 months reserves, loan qualified with 213.20 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000015598

255_60_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS). Loan is failing to meet Temporary Qualified Mortgage (TQM) standards dues to financed properties exceed guideline maximum.  Borrowers have 8 financed properties and DU reflects 6 financed properties. Additionally, condition #15 of DU was not provided and missing property taxes for REO 8.

(2021-06-01) AUS Standards are now met and loan meets TQM standards.   condition cleared by submission of missing documents

Summary: Borrower has resided in current property for 31.00 years. ; Summary: UW Guides require 37.51 months reserves, loan qualified with 213.20 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000015674

255_284_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is Missing, No CDA in File, No AVM in file, Field Review not required

(2021-06-15) Lender provided an acceptable CDA.  Condition is cleared.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000015674

255_284_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  1 Fraud Report in file Borrower: No CoBorrower: ___ Borrower 3: ___ Borrower 4: ___

(2021-06-21) Lender provided the Third Party Fraud Tool Report with all Red Flags addressed.  Condition Cleared.

Cleared

2

1

B

A

B

A

B

A

B

A

B

A

Yes

0000016199

255_26_18040

18040

Credit

Missing 3rd Party Verbal Verification of Employment (Borrower)

Missing 3rd Party Verbal Verification of Employment dated within 10 Business days prior to the Note date for Borrower’s job in position 1 on the application. Status of possible documentation for verification of employment:  VVOE dated after the note date, Employment Letter Not in file, WVOE Not in file. The note date is XX/XX/XXXX. There is no evidence indicating the loan had been delivered to the XXX. ___

(2021-07-08) VVOE was present in loan file, rescind.

Summary: UW Guides require 6.12 months reserves, loan qualified with 13.28 months reserves.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000016199

255_26_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is above 2.5, No CDA in File, No AVM in file, Field Review not required

(2021-05-27) CDA supplied by client supports value. Condition cleared.

Summary: UW Guides require 6.12 months reserves, loan qualified with 13.28 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000016199

255_26_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  1 Fraud Report in file Borrower: No CoBorrower: ___ Borrower 3: ___ Borrower 4: ___

(2021-06-04) XXXXXXXXXX report provided

(2021-06-04) client provided XXXXXXXXXX report - condition cleared

Summary: UW Guides require 6.12 months reserves, loan qualified with 13.28 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000016199

255_26_10748

10748

Credit

OFAC Search

The OFAC search was not provided. Borrowers on loan: 1  OFAC search in file:  Borrower: No CoBorrower:___ Borrower 3: ___ Borrower 4: ___

(2021-06-04) XXXXXXXXXX report contained OFAC clear

(2021-06-04) Client provided OFAC clear on XXXXXXXXXX report - condition cleared

Summary: UW Guides require 6.12 months reserves, loan qualified with 13.28 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000018301

255_43_16923

16923

Credit

Hazard Insurance Shortfall

The hazard insurance policy in file reflected dwelling coverage of $XXX,XXX.XX.  The loan amount is $XXX,XXX.XX which leaves a shortage of hazard insurance coverage for  $XX,XXX.XX.

(2021-06-07) Lender provided evidence of sufficient HOI coverage.  Condition is cleared.

Summary: UW Guides require 6.00 months reserves, loan qualified with 9.46 months reserves. ; Summary: Primary borrower has 23.00 years in field. ; Summary: UW guides maximum DTI of 47.96%, loan qualified with DTI of 44.91%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000018301

255_43_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  1 Fraud Report in file Borrower: No CoBorrower: ___ Borrower 3: ___ Borrower 4: ___

(2021-06-07) Lender provided an acceptable XXXXXXXXXX report.  Condition is cleared.

Summary: UW Guides require 6.00 months reserves, loan qualified with 9.46 months reserves. ; Summary: Primary borrower has 23.00 years in field. ; Summary: UW guides maximum DTI of 47.96%, loan qualified with DTI of 44.91%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000018301

255_43_10748

10748

Credit

OFAC Search

The OFAC search was not provided. Borrowers on loan: 1  OFAC search in file:  Borrower: No CoBorrower:___ Borrower 3: ___ Borrower 4: ___

(2021-06-07) Lender provided an acceptable fraud report with OFAC.  Condition is cleared.

Summary: UW Guides require 6.00 months reserves, loan qualified with 9.46 months reserves. ; Summary: Primary borrower has 23.00 years in field. ; Summary: UW guides maximum DTI of 47.96%, loan qualified with DTI of 44.91%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000018301

255_43_1819

1819

Compliance

FCRA Negative Information Notice Missing

FCRA Negative Information Notice Missing

(2021-07-13) Condition downgraded to Non-material grade

Summary: UW Guides require 6.00 months reserves, loan qualified with 9.46 months reserves. ; Summary: Primary borrower has 23.00 years in field. ; Summary: UW guides maximum DTI of 47.96%, loan qualified with DTI of 44.91%.

Active

2

2

B

B

B

B

B

B

B

B

B

B

Yes

0000019226

255_17_18529

18529

Credit

Missing Executed Business Returns for S Corporation 1 (Borrower 1)

Borrower 1 is self-employed and is missing the executed business returns for the S Corporation listed in position 1 on the application. The business returns in file is Not Executed, the number of years returns are 1, and the override condition exists and met for less than 2 years returns is Yes.

(2021-06-08) 4506-C for business for 3 yrs of transcripts provided

(2021-06-08) Client provided 4506-C for business for 3 yrs of tax returns - condition cleared (2021-06-07) Lender provided signed 4506-C for personal returns and tax transcripts of personal tax returns.  XXXX guidelines require executed business returns, an executed 4506-C with business name stated, or tax transcripts of business returns.

Summary: UW Guides require 9.90 months reserves, loan qualified with 53.85 months reserves. ; Summary: Refinance reduces rate from 5.00% to 3.63%. ; Summary: Primary borrower has 10.00 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000020419

255_381_15997

15997

Credit

Required Documentation is Missing

The loan file is missing P&I payment of $X,XXX.XX for property located at XXXXX XXXXXXXX XX., P&I payment of $X,XXX.XX for property located at XXX X XXX XXX.; and P&I payment of $X,XXX.XX for property located at XXX XXXXXXX XXX as reflected on final loan application.  P&I payments on all three (3) properties do not match mortgage statements in file.  Additional conditions may apply.

(2021-06-25) Lender provided the Closing Disclosure from the recent refinance for each property.  Condition is cleared. (2021-06-18) The loan file is missing P&I payment of $X,XXX.XX for property located at XXXXX XXXXXXXX XX., P&I payment of $X,XXX.XX for property located at XXX X XXX XXX.; and P&I payment of $X,XXX.XX for property located at XXX XXXXXXX XXX as reflected on final loan application.  P&I payments on all three (3) properties do not match mortgage statements in file.  Additional conditions may apply.

Summary: UW Guides require 11.41 months reserves, loan qualified with 67.13 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000020767

255_23_1101

1101

Credit

Condo Questionnaire has not been entered

The Condo Questionnaire is missing from the loan file.  Additional conditions may apply.

(2021-07-12) Rescind

Summary: UW Guides require 6.00 months reserves, loan qualified with 20.71 months reserves. ; Summary: Primary borrower has 18.00 years in field. ; Summary: Borrower has resided in current property for 9.00 years.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000020767

255_23_11312

11312

Credit

DTI Exceeds Guidelines

Guidelines reflect a DTI of 48.61%. Due to a miscalculation of debts to income, the actual DTI is 53.86%. Income  used includes total borrower income $XX,XXX.XX plus subject property positive rental income $0.00 plus other REO positive rental income $0.00. Total debt amount used is $X,XXX.XX. The AUS (DU) reflects a maximum allowable DTI of 48.61%.  Due to the improper calculation of PITIA in borrowers primary residence, the actual DTI is 53.86%.  Lender used PITIA on primary residence of $X,XXX.XX vs $X,XXX.XX based on actual documentation in file (mortgage statements for 1st and 2nd liens; and credit supplements).

(2021-06-03) 1040 provided for rental income support

(2021-06-03) Client provided XXXX 1040 for rental income verification - condition cleared

Summary: UW Guides require 6.00 months reserves, loan qualified with 20.71 months reserves. ; Summary: Primary borrower has 18.00 years in field. ; Summary: Borrower has resided in current property for 9.00 years.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000020767

255_23_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI,. The AUS (DU) reflects a maximum allowable DTI of 48.61%.  Due to the improper calculation of PITIA in borrowers primary residence, the actual DTI is 53.86%.  Lender used PITIA on primary residence of $X,XXX.XX vs $X,XXX.XX based on actual documentation in file (mortgage statements for 1st and 2nd liens; and credit supplements).

(2021-06-03) Condition cleared

Summary: UW Guides require 6.00 months reserves, loan qualified with 20.71 months reserves. ; Summary: Primary borrower has 18.00 years in field. ; Summary: Borrower has resided in current property for 9.00 years.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000024582

255_357_15997

15997

Credit

Required Documentation is Missing

Missing evidence of newly obtained P&I for XXXX XXXXXXX XXXX and XXXX XXXXXXXXX XX. Also missing evidence that Provident Funding #XXXX and Provident Funding #XXXX have been paid off.

(2021-06-24)  Lender provided the CD's for Primary Residence and REO1 reflecting the new monthly payment and Payoff of preview mortgage.  Condition Cleared.

Summary: Borrower has resided in current property for 22.67 years. ; Summary: Refinance reduces total housing payment by  $-X,XXX.XX.

Cleared

2

1

B

A

B

A

B

A

B

A

B

A

Yes

0000024582

255_357_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS).

(2021-06-24) AUS Standards are now met and loan meets TQM standards. (2021-06-24) Lender provided the CD's for Primary Residence and REO1 reflecting the new monthly payment and Payoff of preview mortgage.  Condition Cleared.

Summary: Borrower has resided in current property for 22.67 years. ; Summary: Refinance reduces total housing payment by  $-X,XXX.XX.

Cleared

2

1

B

A

B

A

B

A

B

A

B

A

Yes

0000030478

255_59_11312

11312

Credit

DTI Exceeds Guidelines

Guidelines reflect a DTI of 48.27%. Due to a miscalculation of debts to income, the actual DTI is 51.41%. Income  used includes total borrower income $XX,XXX.XX plus subject property positive rental income $0.00 plus other REO positive rental income $0.00. Total debt amount used is $X,XXX.XX. The Lender did not include the borrowers’ revolving debt with XXXXX/XXXXX XXXXXX with an outstanding balance of $X,XXX.XX and a monthly payment of $XXX.XX

(2021-06-01) Credit Card statement provided showing XXXXX/XXXXXXX account paid in full.  Debt removed from DTI ratio

(2021-06-01) Client provided Credit Card statement showing XXXXX/XXXXXXX account paid in full.  Debt removed from DTI ratio - condition cleared

Summary: Borrower has resided in current property for 3.00 years. ; Summary: UW Guides require 10.97 months reserves, loan qualified with 50.82 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000030478

255_59_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI,.

(2021-06-01) Credit Card statement provided showing XXXXX/XXXXXXX account paid in full.  Debt removed from DTI ratio

(2021-06-01) Client provided Credit Card statement showing XXXXX/XXXXXXX account paid in full.  Debt removed from DTI ratio - condition cleared

Summary: Borrower has resided in current property for 3.00 years. ; Summary: UW Guides require 10.97 months reserves, loan qualified with 50.82 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000031585

255_66_11312

11312

Credit

DTI Exceeds Guidelines

Guidelines reflect a DTI of 21.00%. Due to a miscalculation of debts to income, the actual DTI is 35.90%. Income  used includes total borrower income $0.00 plus subject property positive rental income $XXX.XX plus other REO positive rental income $XX,XXX.XX. Total debt amount used is $X,XXX.XX. The Credit Report reflects other debt totaling $X,XXX.XX vs. $XXX.XX used by the lender.   Documentation to support omission of debt or evidence debt was paid is missing. Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to DTI greater than LP approved of 21%.

(2021-06-09) Client provided CD reflecting payoff of numerous debts - condition cleared (2021-06-01) Client to run updated AUS with DTI matching audit value

Summary: Borrower has resided in current property for 20.00 years. ; Summary: UW Guides require 26.20 months reserves, loan qualified with 71.36 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000031585

255_66_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI,.

(2021-07-12) Client provided documentation to resolve. Condition cleared. (2021-06-01) Issue will clear with receipt of Ins evidence and updated AUS with corrected DTI

Summary: Borrower has resided in current property for 20.00 years. ; Summary: UW Guides require 26.20 months reserves, loan qualified with 71.36 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000031585

255_66_1454

1454

Credit

Missing Evidence of Insurance for Primary Residence

Missing Evidence of Insurance for Primary Residence

(2021-06-09) Client provided evidence of insurance on primary residence - condition cleared. (2021-06-01) Ins evidence for primary residence is missing

Summary: Borrower has resided in current property for 20.00 years. ; Summary: UW Guides require 26.20 months reserves, loan qualified with 71.36 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000031585

255_66_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  1 Fraud Report in file Borrower: No CoBorrower: ___ Borrower 3: ___ Borrower 4: ___

(2021-06-01) XXXXXXXXXX report provided

(2021-06-01) Client provided XXXXXXXXXX Report - condition cleared

Summary: Borrower has resided in current property for 20.00 years. ; Summary: UW Guides require 26.20 months reserves, loan qualified with 71.36 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000031585

255_66_15997

15997

Credit

Required Documentation is Missing

Notes for all simultaneous refinances are missing.

(2021-06-01) Notes for all simultaneous closings provided

(2021-06-01) Client provided notes for all simultaneous closings - condition cleared

Summary: Borrower has resided in current property for 20.00 years. ; Summary: UW Guides require 26.20 months reserves, loan qualified with 71.36 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000031585

255_66_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS).

(2021-07-12) AUS Standards are now met and loan meets TQM standards. (2021-07-12) Client provided documentation to resolve. Condition cleared. (2021-06-01) Issue will clear with receipt of Ins evidence and updated AUS with corrected DTI

Summary: Borrower has resided in current property for 20.00 years. ; Summary: UW Guides require 26.20 months reserves, loan qualified with 71.36 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000031780

255_1_11312

11312

Credit

DTI Exceeds Guidelines

Guidelines reflect a DTI of 21.00%. Due to a miscalculation of debts to income, the actual DTI is 35.39%. Income  used includes total borrower income $0.00 plus subject property positive rental income $XXX.XX plus other REO positive rental income $XX,XXX.XX. Total debt amount used is $X,XXX.XX. The AUS reflects total monthly consumer debt payments of $XXX.XX vs. audit total monthly consumer debt payments of $X,XXX.XX.

(2021-05-24) Updated LP submitted

(2021-06-07) Lender provided a final CD for the refinance on the borrower's primary residence.  The CD reflected numerous consumer credit accounts paid at closing.  Condition is cleared. (2021-05-24) Updated LP submitted by client - DTI ratio on LP still reflecting 22% DTI.  Condition is not cleared (2021-05-20) Client needs to re-run AUS with updated DTI information to clear exception.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000031780

255_1_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI,. The AUS reflects total monthly consumer debt payments of $XXX.XX vs. audit total monthly consumer debt payments of $X,XXX.XX.

(2021-06-07) AUS Standards are now met and loan meets TQM standards. (2021-05-26) Lender provided Final CDs for Primary Residence and REOS with rental calculations, which matches documents in file now. The DTI is 36.96%. condition remains. (2021-05-20) Client to re-run AUS with updated DTI figures to clear condition.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000031780

255_1_1454

1454

Credit

Missing Evidence of Insurance for Primary Residence

Missing Evidence of Insurance for Primary Residence

(2021-05-26) Lender provided CD dated XX/XX/XXXX for refinance, which included escrows. condition cleared

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000031780

255_1_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  1 Fraud Report in file Borrower: No CoBorrower: ___ Borrower 3: ___ Borrower 4: ___ Report is incomplete.

(2021-05-24) Client supplied XXXXXXXXXX report - condition cleared

(2021-07-13) Client supplied XXXXXXXXXX report - condition cleared

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000031780

255_1_15997

15997

Credit

Required Documentation is Missing

The loan file is missing evidence of principal and interest payments for borrowers primary residence, REO #1 and REO#2 on the final application.

(2021-05-20) Condition will clear when client provides XXXXX XXXXXX.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000031780

255_1_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS). The loan file is missing evidence to support the ommission of liability #17, #18, #19, and #20 on the final application.

(2021-06-07) AUS Standards are now met and loan meets TQM standards. (2021-06-07) AUS Standards are now met and loan meets TQM standards. (2021-05-20) Condition will clear when client supplies updated AUS with corrected DTI ratio information

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000032363

255_285_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is Missing, No CDA in File, No AVM in file, No Field Review in file

(2021-06-15) Lender provided an acceptable CDA.  Condition is cleared.

Summary: Borrower has resided in current property for 19.33 years. ; Summary: UW Guides require 9.50 months reserves, loan qualified with 573.86 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000032363

255_285_15997

15997

Credit

Required Documentation is Missing

The loan file is missing evidence of 2nd lien payment in the amount of $XXX.XX for property located at XXXX XXXXXXXX XXXXX, Unit X as reflected on the final loan application.  Additional conditions may apply.

(2021-06-23) Lender provided monthly payment summary showing $X,XXX.XX and XXX $XXX.XX which is present in the loan file, this is reflected on the final 1003 total payment of $X,XXX.XX, there is no 2nd lien on the property, condition cleared. (2021-06-15) The loan file is missing evidence of 2nd lien payment in the amount of $XXX.XX for property located at XXXX XXXXXXXX XXXXX, Unit X as reflected on the final loan application.  Additional conditions may apply.

Summary: Borrower has resided in current property for 19.33 years. ; Summary: UW Guides require 9.50 months reserves, loan qualified with 573.86 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000034088

255_65_-96366

-96366

Compliance

Charges That Cannot Increase Test

This loan passed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that do not exceed the good faith determination according to §1026.19(e)(3)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).

(2021-07-13) Condition Rescinded

Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: Primary borrower has 20.11 years in field.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000034088

255_65_-96464

-96464

Compliance

Initial Closing Disclosure Delivery Date and Changed Circumstances Date Test

This loan failed the initial closing disclosure delivery date and changed circumstances date test. ( 12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in XXXX, and 12 CFR §1026.19(e)(4)(i) )The initial closing disclosure delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure).This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneIf a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and 10% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms.Official Interpretations12 C.F.R. §1026.19(e)(4)(ii)Relationship to disclosures required under §1026.19(f)(1)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i)...If, however, there are less than four business days between the time the revised version of the disclosures is required to be provided pursuant to §1026.19(e)(4)(i) and consummation, creditors comply with the requirements of §1026.19(e)(4) if the revised disclosures are reflected in the disclosures required by §1026.19(f)(1)(i).

(2021-07-12) Change status of 'Initial Closing Disclosure Delivery Date and Changed Circumstances Date Test' from Cleared to Rescind.

Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: Primary borrower has 20.11 years in field.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000034088

255_65_-96465

-96465

Compliance

Invalid Changed Circumstance Finding

Invalid Changed Circumstance Finding ( 12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and  (D) as amended in XXXX ,  §1026.19(e)(4)(i), (ii) ) The initial closing disclosure contains either:A charge that is not an allowable redisclosure under §1026.19(e)(3)(iv); orA disclosure date that is not within the permitted timeframe based on the selection from the reason for redisclosure drop down. Please see the Fee Change Tracking History Table for the disclosure dated  and the various date tests below for more information.For the purpose of determining good faith under §1026.19(e)(3)(i) and (ii), a creditor may use a revised estimate of a charge instead of the estimate of the charge originally disclosed under §1026.19(e)(1)(i) if the revision is due to any of the provisions in §1026.19(e)(3)(iv).If a creditor uses a revised estimate pursuant to §1026.19(e)(3)(iv) for the purpose of determining good faith under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate within the timeframe permitted in §1026.19(e)(3)(iv)(D) or §1026.19(e)(4)(i) and (ii).Official Interpretations12 CFR §1026.19(e)(4)(ii)Relationship to disclosures required under §1026.19(f)(1)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i)...If, however, there are less than four business days between the time the revised version of the disclosures is required to be provided pursuant to §1026.19(e)(4)(i) and consummation, creditors comply with the requirements of §1026.19(e)(4) if the revised disclosures are reflected in the disclosures required by §1026.19(f)(1)(i).

(2021-07-12) Change status of 'Invalid Changed Circumstance Finding' from Cleared to Rescind.

Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: Primary borrower has 20.11 years in field.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000034088

255_65_-96448

-96448

Compliance

TRID APR Tolerance Exceeded Finding

APR Tolerance Not Exceeded (12 CFR §1026.22(a)(2), (3))The APR on the loan has not become inaccurate due to one of the following reasons:The loan is a regular transaction and the APR, 3.294%, is considered accurate because it is not more than 1/8 of 1 percentage point above or below the disclosed APR of 3.358% on the Initial Closing Disclosure - XX/XX/XXXX; orThe loan is an irregular transaction and the APR, 3.294%, is considered accurate because it is not more than 1/4 of 1 percentage point above or below the disclosed APR of 3.358% on the Initial Closing Disclosure - XX/XX/XXXX.As a general rule, the annual percentage rate shall be considered accurate if it is not more than 1/8 of 1 percentage point above or below the annual percentage rate determined in accordance with §1026.22(a)(1). In an irregular transaction, the annual percentage rate shall be considered accurate if it is not more than 1/4 of 1 percentage point above or below the annual percentage rate determined in accordance with §1026.22 (a)(1). For purposes of §1026.22(a)(3), an irregular transaction is one that includes one or more of the following features: multiple advances, irregular payment periods, or irregular payment amounts (other than an irregular first period or an irregular first or final payment).

(2021-06-07) LE and final CD provided - condition not cleared

(2021-06-08) Invalid finding. Finding rescinded. (2021-06-07) Client provided LE and Final CD - condition still active

Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: Primary borrower has 20.11 years in field.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000034172

255_356_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with  Subject PITI,.

(2021-06-29) Lender provided final CD for primary residence showing payoff mortgage with XXXXXXXX XXX, conditon cleared

Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 11.09 months reserves. ; Summary: Primary borrower has 17.50 years in field. ; Summary: Refinance reduces rate from 3.88% to 3.25%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000034172

255_356_15997

15997

Credit

Required Documentation is Missing

The loan file is missing verification of the new XXX loan, $XXX,XXX.XX, on primary residence.  The loan file is also missing documentation to support the omission of XXXXXXXX XXXXXXX XX account.

(2021-06-29) Lender provided final CD for primary residence showing payoff mortgage with XXXXXXXX XXX, conditon cleared

Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 11.09 months reserves. ; Summary: Primary borrower has 17.50 years in field. ; Summary: Refinance reduces rate from 3.88% to 3.25%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000034172

255_356_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS).

(2021-06-29) AUS Standards are now met and loan meets TQM standards. (2021-06-29) Lender provided final CD for primary residence showing payoff mortgage with XXXXXXXX XXX, conditon cleared

Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 11.09 months reserves. ; Summary: Primary borrower has 17.50 years in field. ; Summary: Refinance reduces rate from 3.88% to 3.25%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000034619

255_68_1472

1472

Credit

Borrower's financed properties exceed guideline maximum

A borrower is not eligible for financing if they currently have 2 financed properties.  Per the schedule of real estate owned, the borrower(s) currently (has/have) 4 financed properties, which makes them ineligible for financing.

(2021-05-27) Cleared.

Summary: Borrower has resided in current property for 35.00 years. ; Summary: UW Guides require 6.04 months reserves, loan qualified with 76.13 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000034619

255_68_11312

11312

Credit

DTI Exceeds Guidelines

Guidelines reflect a DTI of 25.39%. Due to a miscalculation of debts to income, the actual DTI is 35.61%. Income  used includes total borrower income $X,XXX.XX plus subject property positive rental income $0.00 plus other REO positive rental income $X,XXX.XX. Total debt amount used is $X,XXX.XX. Guidelines reflect a DTI of 25.39%. Due to miscalculation of rental income, the actual DTI is 35.61%. Rental income for REO 4 per the final loan application  is not provide in the loan file.

(2021-06-01) Sched E provided for rental income

(2021-06-01) Client provided Sched E for rental income for REO1 - condition cleared (2021-05-24) Guidelines reflect a DTI of 25.39%. Due to miscalculation of rental income, the actual DTI is 35.61%. Rental income for REO 4 per the final loan application  is not provide in the loan file.

Summary: Borrower has resided in current property for 35.00 years. ; Summary: UW Guides require 6.04 months reserves, loan qualified with 76.13 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000034619

255_68_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI, Income,.

(2021-06-01) Condition cleared

Summary: Borrower has resided in current property for 35.00 years. ; Summary: UW Guides require 6.04 months reserves, loan qualified with 76.13 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000034619

255_68_1456

1456

Credit

Missing Evidence of Insurance for REO1

Missing Evidence of Insurance for property 1 on final application

(2021-06-01) Sched E provided for proof of insurance

(2021-06-01) Client provided Sched E for proof of insurance

Summary: Borrower has resided in current property for 35.00 years. ; Summary: UW Guides require 6.04 months reserves, loan qualified with 76.13 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000034619

255_68_1453

1453

Credit

Missing Evidence of Property Taxes for REO1

Evidence of property taxes for property 1  on the final application not provided.

(2021-06-01) Client provided Sched E for proof of taxes - condition cleared (2021-06-01) Sched E provided to show proof of taxes

(2021-07-13) Client provided Sched E for proof of taxes - condition cleared

Summary: Borrower has resided in current property for 35.00 years. ; Summary: UW Guides require 6.04 months reserves, loan qualified with 76.13 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000034619

255_68_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  2 Fraud Report in file Borrower: No CoBorrower: No Borrower 3: ___ Borrower 4: ___

(2021-06-01) Client provided XXXXXXXXXX report - condition cleared. (2021-06-01) XXXXXXXXXX report provided

(2021-07-13) Client provided XXXXXXXXXX report - condition cleared.

Summary: Borrower has resided in current property for 35.00 years. ; Summary: UW Guides require 6.04 months reserves, loan qualified with 76.13 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000034619

255_68_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS). Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to DTI.

(2021-06-01) AUS Standards are now met and loan meets TQM standards. (2021-06-01) Client provided Sched E for rental income for REO1 - condition cleared

Summary: Borrower has resided in current property for 35.00 years. ; Summary: UW Guides require 6.04 months reserves, loan qualified with 76.13 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000035068

255_474_15997

15997

Credit

Required Documentation is Missing

The loan file is missing P&I payment for the property located at XXXX XXXX XXXX XXXX.

(2021-07-01) Lender provided final CD for XXXX XXXXXXXX XXXX with payment of $X,XXX.XX with escrows, condition cleared.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000035068

255_474_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS).

(2021-07-01) AUS Standards are now met and loan meets TQM standards. (2021-07-01) Lender provided final CD for XXXX XXXXXXXX XXXX with payment of $X,XXX.XX with escrows, condition cleared.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000035828

255_332_-96383

-96383

Compliance

TRID Initial Closing Disclosure Date and Funding Date Validation Test

This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields.

(2021-06-28) Data entry error, rescind.

Summary: Refinance reduces total housing payment by  $-XXX.XX. ; Summary: UW Guides require 6.07 months reserves, loan qualified with 99.68 months reserves. ; Summary: Refinance reduces rate from 4.50% to 3.13%.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000035982

255_29_16923

16923

Credit

Hazard Insurance Shortfall

The hazard insurance policy in file reflected dwelling coverage of $XXX,XXX.XX.  The loan amount is $XXX,XXX.XX which leaves a shortage of hazard insurance coverage for  $XXX,XXX.XX.

(2021-05-27) Client provided replacement cost estimator - condition cleared

Summary: UW Guides require 8.95 months reserves, loan qualified with 47.82 months reserves. ; Summary: Primary borrower has 8.00 years in field.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000035982

255_29_1175

1175

Credit

Credit score does not meet guidelines

Credit score of 0 is less than  753, the minimum credit score required per lender guidelines

(2021-05-27) Client provided missing credit report - condition cleared

Summary: UW Guides require 8.95 months reserves, loan qualified with 47.82 months reserves. ; Summary: Primary borrower has 8.00 years in field.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000035982

255_29_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with  FICO,.

(2021-05-27) AUS valid - condition cleared

Summary: UW Guides require 8.95 months reserves, loan qualified with 47.82 months reserves. ; Summary: Primary borrower has 8.00 years in field.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000035982

255_29_959

959

Credit

Missing Credit Report - Borrower

A credit report for the borrower was not provided.

(2021-05-27) Client provided missing credit report - condition cleared

Summary: UW Guides require 8.95 months reserves, loan qualified with 47.82 months reserves. ; Summary: Primary borrower has 8.00 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000035982

255_29_2596

2596

Credit

Missing Verification of Mortgage

Credit Report does not have the required mortgage history of ___ and there is no other verification of mortgage in file. Credit Report not provided in the loan file. 12 months mortgage history required for the borrower’s primary residence and REO 1 per the final application.

(2021-05-27) Missing credit report provided by client - credit report contained sufficient mortgage history - condition cleared

Summary: UW Guides require 8.95 months reserves, loan qualified with 47.82 months reserves. ; Summary: Primary borrower has 8.00 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000035982

255_29_957

957

Compliance

Flood Insurance Required - Missing or Incomplete

Subject is in Flood Zone AE. Flood Insurance is required.

(2021-06-07) Flood ins policy provided

(2021-06-07) Client provided flood ins policy - condition cleared (2021-05-24) property in flood zone - evidence of flood insurance required to clear condition

Summary: UW Guides require 8.95 months reserves, loan qualified with 47.82 months reserves. ; Summary: Primary borrower has 8.00 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000035982

255_29_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS). Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to missing credit report and VOM.

(2021-05-27) AUS Standards are now met and loan meets TQM standards.  Condition cleared (2021-05-24) Condition will clear when client provides missing documents

Summary: UW Guides require 8.95 months reserves, loan qualified with 47.82 months reserves. ; Summary: Primary borrower has 8.00 years in field.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000036171

255_86_455

455

Credit

Missing Final Application (1003)

A final application for the subject transaction was not provided Final 1003 reflects a discrepancy with Borrower's residency status. Final 1003 reflects Borrower as a US citizen, however file contains a Perm Res Alien card for Borrower.

(2021-05-27) Credit application is Present (2021-05-27) Client provided missing final 1003 - marked as US citizen by borrower under penalty of perjury,   Perm Res Alien card and passport are dated from XXXX - condition cleared

Summary: UW Guides require 53.54 months reserves, loan qualified with 302.35 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000036171

255_86_1310

1310

Credit

Missing purchase contract - addendums

All addendums to the purchase contract were not provided MIssing addendum to purchase contract reflecting sales price of $XXX,XXX.XX signed by all parties to the transaction.

(2021-05-27) client provided purchase contract addendum with adjusted sales price $XXX,XXX.XX - condition cleared

Summary: UW Guides require 53.54 months reserves, loan qualified with 302.35 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000037164

255_85_7004

7004

Compliance

ECOA: Appraisal Disclosure Not Provided Timely

ECOA: Appraisal Disclosure Date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX

(2021-06-15) Evidence of timely Appraisal Disclosure has been provided

Summary: UW Guides require 11.12 months reserves, loan qualified with 34.68 months reserves. ; Summary: Primary borrower has 8.25 years in field.

Cleared

2

1

B

A

B

A

B

A

B

A

B

A

Yes

0000037164

255_85_17470

17470

Compliance

ECOA: Delivery of Appraisal/Valuation to Applicant Not Timely

ECOA: Delivery of Appraisal/Valuation to Applicant Not Timely

(2021-07-12) Evidence of timely Appraisal Disclosure has been provided

Summary: UW Guides require 11.12 months reserves, loan qualified with 34.68 months reserves. ; Summary: Primary borrower has 8.25 years in field.

Cleared

2

1

B

A

B

A

B

A

B

A

B

A

Yes

0000037614

255_125_11312

11312

Credit

DTI Exceeds Guidelines

Guidelines reflect a DTI of 49.13%. Due to a miscalculation of debts to income, the actual DTI is 53.20%. Income  used includes total borrower income $X,XXX.XX plus subject property positive rental income $0.00 plus other REO positive rental income $0.00. Total debt amount used is $X,XXX.XX. Total debt included in DTI is $X,XXX.XX. It appears the lender did not consider negative cash flow for the subject property.

(2021-06-09) Lender provided evidence of tax and insurance for all properties.  Updated figures result in a DTI within guidelines.  Condition is cleared.

Summary: UW Guides require 6.20 months reserves, loan qualified with 50.22 months reserves. ; Summary: Primary borrower has 5.50 years in field.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000037614

255_125_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI,. DTI exceeds guidelines

(2021-06-09) Lender provided evidence of tax and insurance for all properties.  Updated figures result in a DTI within guidelines.  Condition is cleared.

Summary: UW Guides require 6.20 months reserves, loan qualified with 50.22 months reserves. ; Summary: Primary borrower has 5.50 years in field.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000037614

255_125_1540

1540

Credit

Missing Rental Income Documentation for REO1

Missing Rental Income Documentation for REO1. The required documentation is: signed federal tax return and Schedule E. The missing documentation is: signed federal tax return and Schedule E Missing Personal Tax Return with Schedule E as evidence of rental income for Property 3C on the final application.

(2021-06-09) Lender provided evidence of tax and insurance for all properties.  Updated figures result in a DTI within guidelines.  Condition is cleared.

Summary: UW Guides require 6.20 months reserves, loan qualified with 50.22 months reserves. ; Summary: Primary borrower has 5.50 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000037890

255_385_1455

1455

Credit

Missing Evidence of Insurance for Second Home

Missing Evidence of Insurance for Second Home

(2021-06-25) Lender provided acceptable evidence of tax and insurance expenses on the second home.  Condition is cleared.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000037890

255_385_1452

1452

Credit

Missing Evidence of Property Taxes for Second Home

Missing Evidence of Property Taxes for Second Home

(2021-06-25) Lender provided acceptable evidence of tax and insurance expenses on the second home.  Condition is cleared.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000037890

255_385_15997

15997

Credit

Required Documentation is Missing

Missing evidence of newly obtained P&I payment for XXXX XXXX XXXXXXX.

(2021-06-25) Lender provided acceptable evidence of tax and insurance expenses on the second home.  Condition is cleared. (2021-06-25) Missing evidence of newly obtained P&I payment for XXXX XXXX XXXXXX.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000038639

255_345_11547

11547

Credit

Insufficient Reserves

Verified assets of  $XXXXX.XX minus cash to close of  $0.00 minus the unverified earnest money deposit of $0.00 equates to 7.83 months of reserves, or $XXXX.XX, which is less than the required 12.30 months reserves, totaling $XXXXX.XX.

(2021-07-06) Lender provided evidence of additional assets.  Condition is cleared. (2021-06-24) Lender provided updated AUS still shows the total amount to be verified at $XXXX.XX, which $XXXXX.XX for reserves, and closing cost at $XXXX.XX, verified assets $XXXX.XX present in the loan file, shortage of $XXXXX.XX, condition remains.

Summary: Borrower has resided in current property for 14.00 years. ; Summary: Refinance reduces total housing payment by  $-XXXX.XX.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000038639

255_345_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with  Occupancy,.

(2021-07-06) Lender provided evidence of additional assets.  Condition is cleared. (2021-06-24) Lender provided updated AUS/LP still showing verified funds of $XXXXX.XX, which makes the invalid AUS due to the shortage of verified funds present in the loan file, condition remains.

Summary: Borrower has resided in current property for 14.00 years. ; Summary: Refinance reduces total housing payment by  $-XXXX.XX.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000038639

255_345_15997

15997

Credit

Required Documentation is Missing

The loan file is missing verification of the P&I payments for REO X XSXXX XXXXX XXXXXX. This property was refinanced with XXX, however the new payment was not verified in the loan file.

(2021-06-24) Lender provided final CD for REO #1 located XXXX XXXXX XXXXXX.

Summary: Borrower has resided in current property for 14.00 years. ; Summary: Refinance reduces total housing payment by  $-XXXX.XX.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000038639

255_345_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS).

(2021-07-02) AUS Standards are now met and loan meets TQM standards. (2021-07-02) AUS Standards are now met and loan meets TQM standards. (2021-06-24) Lender provided updated AUS/LP still shows amount to be verified at $XXXXX.XX, Loan does not meet criteria for Temporary Qualified Mortgage due to shortage of funds of $XXXXX.XX, condition remains.

Summary: Borrower has resided in current property for 14.00 years. ; Summary: Refinance reduces total housing payment by  $-XXXX.XX.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000038874

255_7_18529

18529

Credit

Missing Executed Business Returns for S Corporation 1 (Borrower 1)

Borrower 1 is self-employed and is missing the executed business returns for the X Corporation listed in position 1 on the application. The business returns in file is Incomplete, the number of years returns are 1, and the override condition exists and met for less than 2 years returns is Yes. Business tax return provided is missing pages and is not executed.

(2021-05-24) Signed XXXX X Corp returns supplied

(2021-05-24) Signed XXXX  X Corp returns supplied by client - condition cleared

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000038874

255_7_1457

1457

Credit

Missing Executed Personal Tax Returns for Borrower

Guidelines state: At least 1 year personal returns required.  Status of Personal Tax Return: Incomplete.  Tax Transcripts in file: N/A.  Details: Tax return provided is missing pages and is not executed.

(2021-05-24) Signed personal tax returns supplied

(2021-05-24) Signed personal tax returns supplied by client - condition cleared

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000038874

255_7_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS). Loan does not meet criteria for Temporary Qualified Mortgage due to missing completed personal and business tax returns.

(2021-07-12) AUS Standards are now met and loan meets TQM standards. (2021-07-12) Client provided documentation to resolve. Condition cleared. (2021-07-09) Client provided documentation to resolve. Condition cleared. (2021-05-21) Condition will clear when client provides missing documents

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000039365

255_145_8720

8720

Credit

Missing Evidence of Insurance for REO4

Missing Evidence of Insurance for property 5 on final application Missing Evidence of Insurance for property 3e on the final application.

(2021-06-15) HO Ins for XXXXX XXXXXXXXX XXX provided

(2021-06-15) Client provided HO ins for XXXXX XXXXXXXXX XXX - condition cleared (2021-06-09) Client provided CD for sale of 109 McKierman property - does not clear condition - condition still active.

Summary: UW Guides require 12.85 months reserves, loan qualified with 65.08 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000039365

255_145_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is above 2.5, No CDA in File, No AVM in file, Field Review not required

(2021-06-16) Client provided high value AVM - condition cleared

Summary: UW Guides require 12.85 months reserves, loan qualified with 65.08 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000040492

255_84_18249

18249

Credit

Missing Evidence of Self Employment - Borrower 1 S Corporation

Borrower 1 is self-employed and is missing verification of self-employment dated within 30 prior to the Note date on the S corporation listed in position 1 on the application.  Documentation Requirements: Allow CPA Letter or Business License or other valid verification.  Status of possible documentation for verification of self-employment:  CPA letter is Not in File, Business license is Not in File, Other verification is Not in File.  The note date is XX/XX/XXXX.   There is no evidence indicating the loan had been delivered to the GSE. ___

(2021-06-02) S Corp Business License provided

(2021-07-12) Client provided S Corp Business License - condition cleared (2021-06-02) Client provided S Corp Business License - condition cleared

Summary: UW Guides require 10.13 months reserves, loan qualified with 158.90 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000040492

255_84_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS). Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to missing evidence self-employed for the borrower.

(2021-07-12) AUS Standards are now met and loan meets TQM standards. (2021-07-09) Client provided documentation to resolve. Condition cleared. (2021-05-26) Condition will clear when client provides missing documents

Summary: UW Guides require 10.13 months reserves, loan qualified with 158.90 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000041659

255_475_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with  Occupancy,.

(2021-07-01) Lender provided updated DU reflects loan amount of $XXXK and payment of $XXXX.XX, condition cleared.

Summary: Borrower has resided in current property for 5.00 years.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000041659

255_475_1103

1103

Credit

Loan amount exceeds the guideline maximum

Lender guidelines allow a minimum loan amount of $XXXXXX.XX, per the loan approval and Note, the subject loan amount is $XXXXXX.XX.

(2021-07-01) Lender provided updated DU reflects loan amount of $XXXK and payment of $XXXX.XX, condition cleared.

Summary: Borrower has resided in current property for 5.00 years.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000041757

255_354_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with  Occupancy,.

(2021-06-30) Condition Cleared (2021-06-24) The Lender's Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects loan amount at $XXXXXX.XX, condition remains.

Summary: Refinance reduces total housing payment by  $XXXXX.XX.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000041757

255_354_1100

1100

Credit

Loan amount less than guideline minimum

Lender guidelines allow a minimum loan amount of $XXXXXX.XX, per the loan approval and Note, the subject loan amount is $XXXXXX.XX.

(2021-06-30) Condition Cleared (2021-06-24) Lender provided Conv Elite Fixed Matrix and AUS/LP accept/eligible, however the LP submitted from the Lender does not show the loan amount it was approved for, LP presented in the loan file shows loan amount being approved at $XXXXXX.XX, when actual Note shows $XXXXXX.XX, need an updated LP reflect the correct loan amount, condition remains.

Summary: Refinance reduces total housing payment by  $XXXXX.XX.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000041757

255_354_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS).

(2021-06-30) AUS Standards are now met and loan meets TQM standards. (2021-06-30) Condition Cleared (2021-06-24) Loan does not meet criteria for Temporary Qualified Mortgage due to LP does not reflect the correct loan amount, condition remains.

Summary: Refinance reduces total housing payment by  $XXXXX.XX.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000041879

255_353_1515

1515

Credit

Missing Documentation- Visa or Valid Passport (Borrower 1)

Missing Documentation- Visa or Valid Passport (Borrower 1)

(2021-06-24) client provided work visa and identification - condition cleared

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000042698

255_344_1454

1454

Credit

Missing Evidence of Insurance for Primary Residence

Missing Evidence of Insurance for Primary Residence

(2021-06-29) Lender provided the Mortgage Statement for Borrower 1 Primary Residence, which included escrow monthly payment of taxes and insurance.  Condition Cleared. (2021-06-29) Lender provided the Hazard Insurance Policy for Borrower 2's Primary Residence.  File missing Hazard Insurance for Borrower 1 Primary Residence (B1-XXXXXXX XXXXXXX @ XXXX X XXXX XXXXXXX XXX).  Condition Remains.

Summary: UW Guides require 6.00 months reserves, loan qualified with 278.88 months reserves.

Cleared

2

1

B

A

B

A

B

A

B

A

B

A

Yes

0000043807

255_146_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is above 2.5, No CDA in File, No AVM in file, Field Review not required

(2021-06-07) CDA provided by the client supports value, condition cleared.

Summary: Primary borrower has 11.10 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000043807

255_146_-96448

-96448

Compliance

TRID APR Tolerance Exceeded Finding

APR Tolerance Not Exceeded (12 CFR §1026.22(a)(2), (3))The APR on the loan has not become inaccurate due to one of the following reasons:The loan is a regular transaction and the APR, 3.495%, is considered accurate because it is not more than 1/8 of 1 percentage point above or below the disclosed APR of 3.495% on the Initial Closing Disclosure - XX/XX/XXXX; orThe loan is an irregular transaction and the APR, 3.495%, is considered accurate because it is not more than 1/4 of 1 percentage point above or below the disclosed APR of 3.495% on the Initial Closing Disclosure - XX/XX/XXXX.As a general rule, the annual percentage rate shall be considered accurate if it is not more than 1/8 of 1 percentage point above or below the annual percentage rate determined in accordance with §1026.22(a)(1). In an irregular transaction, the annual percentage rate shall be considered accurate if it is not more than 1/4 of 1 percentage point above or below the annual percentage rate determined in accordance with §1026.22 (a)(1). For purposes of §1026.22(a)(3), an irregular transaction is one that includes one or more of the following features: multiple advances, irregular payment periods, or irregular payment amounts (other than an irregular first period or an irregular first or final payment).

(2021-06-07) Condition Cleared

Summary: Primary borrower has 11.10 years in field.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000044584

255_236_1175

1175

Credit

Credit score does not meet guidelines

The exception 'Credit score does not meet guidelines' is cleared. From fields in template: Final FICO Utilized ---- 779 Guideline FICO ---- 779

(2021-07-14) Lender provided the AUS - DU.  Updated FICO score to 783 per DU.  Condition Cleared. (2021-06-21) Lender provided the AUS - DU.  Updated FICO score to 783 per DU.  Condition Cleared.

Summary: Borrower has 13.25 years self employed. ; Summary: Borrower has resided in current property for 6.00 years.

Cleared

2

1

B

A

B

A

B

A

B

A

B

A

Yes

0000044584

255_236_11547

11547

Credit

Insufficient Reserves

The exception 'Insufficient Reserves' is cleared. From fields in template: Loan Type ---- Conventional Remaining Reserves (Months) ---- 25.2133674565498 AUS/Guideline Reserves Required (Months) ---- 0

(2021-06-21) Added Chase Checking account to assets.  2 months bank statements in file with a balance of $XXXXXX.XX on XX/XX/XXXX statement.  Matched AUS - DU Asset.  Condition Rescinded.

Summary: Borrower has 13.25 years self employed. ; Summary: Borrower has resided in current property for 6.00 years.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000044584

255_236_18600

18600

Credit

Invalid AUS

The exception 'Invalid AUS' is cleared. From fields in template: How Was Loan Underwritten ---- (Blank) Assets ---- No CLTV ---- No DTI ---- No FICO ---- No Income ---- No Incorrect Figures ---- (Blank) Incorrect Loan Application ---- No LTV ---- No Occupancy ---- No Omission of Debt ---- (Blank) Other Debt ---- (Blank) Reserves ---- No Subject PITI ---- No Subject Property Address ---- (Blank) Wrong Loan Amount ---- (Blank)

(2021-06-30) AUS valid - conditions cleared (2021-06-22) Client provided AUS and FraudGuard Report - this condition not addressed and remains active - this condition will likely clear when other conditions are cleared

Summary: Borrower has 13.25 years self employed. ; Summary: Borrower has resided in current property for 6.00 years.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000044584

255_236_932

932

Credit

Missing AUS results

Missing AUS results.

(2021-06-21) Lender provided the AUS, DU dated XX/XX/XXXX.  Condition Cleared.

Summary: Borrower has 13.25 years self employed. ; Summary: Borrower has resided in current property for 6.00 years.

Cleared

2

1

B

A

B

A

B

A

B

A

B

A

Yes

0000044584

255_236_18519

18519

Credit

Missing Executed Business Returns for Partnership 1 (Borrower 1)

Borrower 1 is self-employed and is missing the executed business returns for the partnership listed in position 2 on the application. The business returns in file is Not Executed, the number of years returns are 2, and the override condition exists and met for less than 2 years returns is ___.

(2021-06-23) Lender provided 4506-C for the business, which deemed acceptable, condition cleared. (2021-06-22) Client provided AUS and XXXXXXXXXX Report - this condition not addressed and remains active

Summary: Borrower has 13.25 years self employed. ; Summary: Borrower has resided in current property for 6.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000044584

255_236_17344

17344

Credit

Missing Paystubs (Borrower 1)

Borrower 1 is missing valid Paystubs or other written verification of employment for the job listed in position  1 on the application Missing paystub for borrower dated within 60 days of Note date per COVID-19 guidelines.  Paystub in file is greater than 60 days as of the Note date (65 days ).  Additional conditions may apply.

(2021-07-14) XXX policy allows for date of pay stub.  Condition cleared as pay stub dated within 60 days of closing. (2021-06-30) XXX policy allows for date of pay stub.  Condition cleared as pay stub dated within 60 days of closing. (2021-06-30) Lender provided a paystub dated greater than 60 days prior to the note. The AUS exception will be cleared upon receipt of an acceptable paystub.  AUS/Guidelines require a pay stub dated within 60 days of note date.  Condition remains per COVID guidelines. (2021-06-28) Lender provided a paystub dated greater than 60 days prior to the note. The AUS exception will be cleared upon receipt of an acceptable paystub.  AUS/Guidelines require a pay stub dated within 60 days of note date.  Condition remains. (2021-06-23) Lender provided the VVOE, 4506C, Tax return transcripts, and same paystubs present in the loan file dated XX/XX/XX;  need more updated paystub within 60 days of the Note date of XX/XX/XX1, condition remains. (2021-06-22) Client provided AUS and XXXXXXXXXX Report - this condition not addressed and remains active

Summary: Borrower has 13.25 years self employed. ; Summary: Borrower has resided in current property for 6.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000044584

255_236_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  1 Fraud Report in file Borrower: No CoBorrower: ___ Borrower 3: ___ Borrower 4: ___

(2021-06-21) The Lender provided the Third Party Fraud Tool Report including all Red Flags Addressed.  Condition Cleared.

Summary: Borrower has 13.25 years self employed. ; Summary: Borrower has resided in current property for 6.00 years.

Cleared

2

1

B

A

B

A

B

A

B

A

B

A

Yes

0000044584

255_236_1397

1397

Credit

Missing YTD Profit & Loss for Partnership 1 (Borrower 1)

Borrower 1 is self-employed and the YTD Profit & Loss is either missing or not executed for the partnership listed in position 2 on the application.   Profit & Loss in File:  No

(2021-06-23) Lender provided the Profit & Loss signed and dated, condition cleared. (2021-06-22) Client provided AUS and FraudGuard Report - this condition not addressed and remains active

Summary: Borrower has 13.25 years self employed. ; Summary: Borrower has resided in current property for 6.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000044584

255_236_16304

16304

Compliance

Loan Estimate disclosure is missing or incomplete |SFA 3.0

Loan Estimate disclosure is missing or incomplete The Loan Estimate dated XX/XX/XXXX is missing page3. Initial Loan Estimate in file is missing page 3.

(2021-06-23) Received copy of complete Loan Estimate (2021-06-23) Client provided copy of complete loan estimate - condition cleared (2021-06-22) Client provided AUS and FraudGuard Report - this condition not addressed and remains active

Summary: Borrower has 13.25 years self employed. ; Summary: Borrower has resided in current property for 6.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000044584

255_236_10161

10161

Compliance

TILA: Loan Estimate Missing or Incomplete

TILA: Loan Estimate Partial Initial Loan Estimate in file is missing page 3.

(2021-06-22) Loan Estimate Present (2021-06-22) client provided LE - condition cleared (2021-06-22) Client provided AUS and FraudGuard Report - this condition not addressed and remains active

Summary: Borrower has 13.25 years self employed. ; Summary: Borrower has resided in current property for 6.00 years.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000044916

255_310_1452

1452

Credit

Missing Evidence of Property Taxes for Second Home

Missing Evidence of Property Taxes for Second Home Missing evidence of property taxes for second home XXX XXXXX XXXXX XX

(2021-06-24) Client provided proof of property taxes on 2nd home - condition cleared

Summary: Primary borrower has 7.75 years in field. ; Summary: UW Guides require 10.10 months reserves, loan qualified with 679.94 months reserves. ; Summary: Borrower has 7.75 years self employed.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000044916

255_310_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS). Loan is failing to meet Temporary Qualified Mortgage due to missing property taxes for XXX XXXXX XXXXX XX Additional conditions may apply.

(2021-06-24) AUS Standards are now met and loan meets TQM standards.

Summary: Primary borrower has 7.75 years in field. ; Summary: UW Guides require 10.10 months reserves, loan qualified with 679.94 months reserves. ; Summary: Borrower has 7.75 years self employed.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000045179

255_177_1466

1466

Credit

Missing Evidence of XXX Dues for Primary Residence

Missing Evidence of XXX Dues for Primary Residence

(2021-06-11) Lender provided evidence of XXX expense on borrower's primary residence.

Summary: Primary borrower has 7.83 years in field. ; Summary: UW Guides require 19.00 months reserves, loan qualified with 22.33 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000045179

255_177_949

949

Credit

Missing Mortgage Riders - 1-4 Family Rider

Missing Mortgage Rider - 1-4 Family Rider

(2021-06-11) Lender provided an acceptable, executed 1-4 Family Rider.  Condition is cleared.

Summary: Primary borrower has 7.83 years in field. ; Summary: UW Guides require 19.00 months reserves, loan qualified with 22.33 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000045179

255_177_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  1 Fraud Report in file Borrower: No CoBorrower: ___ Borrower 3: ___ Borrower 4: ___

(2021-06-11) Lender provided an acceptable fraud report. Condition is cleared.

Summary: Primary borrower has 7.83 years in field. ; Summary: UW Guides require 19.00 months reserves, loan qualified with 22.33 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000045418

255_476_1265

1265

Credit

Missing Third Party Fraud Tool (Report)

This file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply. Borrowers on loan:  2 Fraud Report in file Borrower: No CoBorrower: ___ Borrower 3: ___ Borrower 4: ___

(2021-07-01) Lender provided Fraud report with OFAC Search, condition cleared.

Summary: Borrower has resided in current property for 37.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000046348

255_124_10278

10278

Credit

Incomplete Credit Report - Borrower

All pages of the most recent/ original credit  report was not provided. A credit report  for the borrower was not provided.

(2021-06-09) Client provided credit report - condition cleared

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000046348

255_124_725

725

Credit

Incomplete Credit Report - Coborrower

All pages of the most recent/ original credit  report was not provided. A credit report  for the Co-Borrower was not provided.

(2021-06-09) Client provided credit report - condition cleared

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000046394

255_123_15997

15997

Credit

Required Documentation is Missing

Missing evidence of newly obtained P & I for X XXXXX XXXX (primary residence).

(2021-06-11) Lender provided the First Payment Letter for primary residence at X XXXXX stating P&I of  $XXX.XX/month.  Condition Cleared. (2021-06-10) Missing evidence of newly obtained P & I for X XXXXX XXXX (primary residence).

Summary: UW Guides require 6.00 months reserves, loan qualified with 37.54 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000046752

255_308_1451

1451

Credit

Missing Evidence of Property Taxes for Primary Residence

Missing Evidence of Property Taxes for Primary Residence

(2021-06-28) Lender provided evidence of property taxes for primary residence.  Documentation submitted is deemed acceptable. Condition cleared.

Summary: Borrower has resided in current property for 10.08 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000046752

255_308_1470

1470

Credit

Missing Evidence that Primary Residence is Owned Free and Clear

Missing Evidence that Primary Residence is Owned Free and Clear

(2021-07-06) Client provided payoff evidence of mortgage on primary residence - condition cleared

Summary: Borrower has resided in current property for 10.08 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000046752

255_308_15997

15997

Credit

Required Documentation is Missing

The loan file is missing evidence of P&I payment for REO 1 (XXXX XXXXXX XX) held with (XXX) for $XXXXXX. Additional conditions may apply.

(2021-07-06) Client provided required documentation.  Condition cleared (2021-06-24) The loan file is missing evidence of P&I payment for REO 1 (XXXX XXXXXX XX) held with (XXX) for $XXXXXX. Additional conditions may apply.

Summary: Borrower has resided in current property for 10.08 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000046752

255_308_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS).

(2021-07-02) AUS Standards are now met and loan meets TQM standards. (2021-07-02) AUS Standards are now met and loan meets TQM standards

Summary: Borrower has resided in current property for 10.08 years.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000047881

255_478_11312

11312

Credit

DTI Exceeds Guidelines

Guidelines reflect a DTI of 47.97%. Due to a miscalculation of debts to income, the actual DTI is 66.25%. Income  used includes total borrower income $XXXX.XX Plus subject property positive rental income $0.00 plus other REO positive rental income $0.00. Total debt amount used is $XXXX.XX.

(2021-07-02) Lender provided rental worksheets.  Audit recalculations result in a DTI within tolerance.  Condition is cleared.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000047881

255_478_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with  Occupancy,.

(2021-07-02) Lender provided rental worksheets.  Audit recalculations result in a DTI within tolerance.  Condition is cleared.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000047881

255_478_15997

15997

Credit

Required Documentation is Missing

The exception 'Required Documentation is Missing' is cleared.

(2021-07-13) Condition Rescinded

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000048617

255_142_16923

16923

Credit

Hazard Insurance Shortfall

The hazard insurance policy in file reflected dwelling coverage of $XXXXXX.XX.  The loan amount is $XXXXXX.XX which leaves a shortage of hazard insurance coverage for  $XXXXX.XX

(2021-06-17) client provided hazard ins policy with RCE - condition cleared

Summary: Coborrower has 12.50 years in field. ; Summary: UW Guides require 60.63 months reserves, loan qualified with 87.15 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000048617

255_142_8724

8724

Credit

Missing Evidence of Insurance for REO7

Missing Evidence of Insurance for property 8 on final application Missing Evidence of Insurance for Property 3h on the final application.

(2021-06-17) Client provided Tax returns with rental schedules for all REO properties; hazard ins coverage provided on Sched E for 2 years - condition cleared

Summary: Coborrower has 12.50 years in field. ; Summary: UW Guides require 60.63 months reserves, loan qualified with 87.15 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000048617

255_142_1457

1457

Credit

Missing Executed Personal Tax Returns for Borrower

Guidelines state: At least 1 year personal returns required.  Status of Personal Tax Return: No.  Tax Transcripts in file: No.  Details: Missing 2-years personal tax returns, including Schdule C and Schedule E.

(2021-06-17) Client provided tax returns for borrower - condition cleared (2021-06-11) Lender provided tax transcripts for XXXX and one page of the Schedule E from XXXX.  In order to support rental income from 7 REO's needed to qualify, quidelines require most recent complete tax returns with all schedules, all pages.   Condition remains.

Summary: Coborrower has 12.50 years in field. ; Summary: UW Guides require 60.63 months reserves, loan qualified with 87.15 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000048617

255_142_7741

7741

Credit

Missing Executed Personal Tax Returns for Coborrower

Guidelines state: At least 1 year personal returns required.  Personal Tax Return in File: No.  Tax Transcripts - income supported: No. Details: Missing 2-years personal tax returns, including Schdule C and Schedule E.

(2021-06-17) Client provided tax returns for co-borrower -condition cleared (2021-06-11) Lender provided tax transcripts for 2019 and one page of the Schedule E from XXXX.  In order to support rental income from 7 REO's needed to qualify, quidelines require most recent complete tax returns with all schedules, all pages.   Condition remains.

Summary: Coborrower has 12.50 years in field. ; Summary: UW Guides require 60.63 months reserves, loan qualified with 87.15 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000048617

255_142_1540

1540

Credit

Missing Rental Income Documentation for REO1

Missing Rental Income Documentation for REO1. The required documentation is: signed federal tax return and Schedule E. The missing documentation is: signed federal tax return and Schedule E Missing Evidence of Rental Income for Property 3b on the final application.

(2021-06-17) Client provided Tax returns with rental schedules for all REO properties - condition cleared

Summary: Coborrower has 12.50 years in field. ; Summary: UW Guides require 60.63 months reserves, loan qualified with 87.15 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000048617

255_142_5170

5170

Credit

Missing Rental Income Documentation for REO2

Missing Rental Income Documentation for REO2. The required documentation is: signed federal tax return and Schedule E. The missing documentation is: signed federal tax return and Schedule E Missing Evidence of Rental Income for Property 3c on the final application.

(2021-06-17) Client provided Tax returns with rental schedules for all REO properties - condition cleared

Summary: Coborrower has 12.50 years in field. ; Summary: UW Guides require 60.63 months reserves, loan qualified with 87.15 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000048617

255_142_5171

5171

Credit

Missing Rental Income Documentation for REO3

Missing Rental Income Documentation for REO3. The required documentation is: signed federal tax return and Schedule E. The missing documentation is: signed federal tax return and Schedule E Missing Evidence of Rental Income for Property 3d on the final application.

(2021-06-17) Client provided Tax returns with rental schedules for all REO properties - condition cleared

Summary: Coborrower has 12.50 years in field. ; Summary: UW Guides require 60.63 months reserves, loan qualified with 87.15 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000048617

255_142_5172

5172

Credit

Missing Rental Income Documentation for REO4

Missing Rental Income Documentation for REO4. The required documentation is: signed federal tax return and Schedule E. The missing documentation is: signed federal tax return and Schedule E Missing Evidence of Rental Income for Property 3e on the final application.

(2021-06-17) Client provided Tax returns with rental schedules for all REO properties - condition cleared

Summary: Coborrower has 12.50 years in field. ; Summary: UW Guides require 60.63 months reserves, loan qualified with 87.15 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000048617

255_142_5173

5173

Credit

Missing Rental Income Documentation for REO5

Missing Rental Income Documentation for REO5. The required documentation is: signed federal tax return and Schedule E. The missing documentation is: signed federal tax return and Schedule E Missing Evidence of Rental Income for Property 3f on the final application.

(2021-06-17) Client provided Tax returns with rental schedules for all REO properties - condition cleared

Summary: Coborrower has 12.50 years in field. ; Summary: UW Guides require 60.63 months reserves, loan qualified with 87.15 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000048617

255_142_5174

5174

Credit

Missing Rental Income Documentation for REO6

Missing Rental Income Documentation for REO6. The required documentation is: signed federal tax return and Schedule E. The missing documentation is: signed federal tax return and Schedule E Missing Evidence of Rental Income for Property 3g on the final application.

(2021-06-17) Client provided Tax returns with rental schedules for all REO properties - condition cleared

Summary: Coborrower has 12.50 years in field. ; Summary: UW Guides require 60.63 months reserves, loan qualified with 87.15 months reserves.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000048617

255_142_15264

15264

Compliance

Non-TQM - Failing AUS

AUS Standards are now met and loan meets TQM standards.

(2021-06-11) AUS Standards are now met and loan meets TQM standards.

Summary: Coborrower has 12.50 years in field. ; Summary: UW Guides require 60.63 months reserves, loan qualified with 87.15 months reserves.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000049198

255_393_15997

15997

Credit

Required Documentation is Missing

The loan file is missing documentation of primary residence P&I payment. The loan file is missing evidence of taxes for XXX XXXXX XXX, please provide tax cert/lender figures. Additional conditions may apply. The loan file is missing documentation of primary residence P&I payment. The loan file is missing evidence of taxes for XXX XXXXX XXX, please provide tax cert/lender figures. Additional conditions may apply.`

(2021-06-30) Condition cleared

Summary: Refinance reduces total housing payment by  $XXXXX.XX. ; Summary: UW Guides require 8.75 months reserves, loan qualified with 43.23 months reserves. ; Summary: Primary borrower has 5.42 years in field.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000049198

255_393_-98785

-98785

Compliance

Prohibited Lender Fees Test

This loan failed the prohibited lender fees test. (WA RCW §31.04.105) The loan charge fee(s) not provided for in this act, which is prohibited. Every licensee may:  Charge a loan origination fee and sell insurance, in accordance with Title 48 RCW, covering real property, personal property, life, disability, or involuntary unemployment of the borrower.  Agree with the borrower for the payment of fees to third parties, including, but not limited to, mortgage brokers, credit reporting agencies, title companies, appraisers, structural and pest inspectors, and escrow companies, when such fees are actually paid by the licensee to a third party for such services or purposes.

(2021-07-09) This compliance test 'Prohibited Lender Fees Test' is no longer tested

Summary: Refinance reduces total housing payment by  $XXXXX.XX. ; Summary: UW Guides require 8.75 months reserves, loan qualified with 43.23 months reserves. ; Summary: Primary borrower has 5.42 years in field.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000049198

255_393_17453

17453

Compliance

Temporary Qualified Mortgage Points & Fees Failure

This loan's points and fees exceed the qualified mortgage points and fees threshold. A qualified mortgage is a covered transaction that limits the points and fees charged at consummation to a specific percentage or flat dollar amounts dependent upon the mortgage's total loan amount.

(2021-07-06) Lender provided Loan Details Report.  Condition is cleared. (2021-06-21) $XXXXX.XX > $XXXXX.XX, the maximum points and fees allowed under QM, by $XXXX.XX. When discount points are involved, the lender can try to prove they are bona fide. To verify bona fide discount points, we will need the rate sheet, PAR, or some form of proof that verifies the amount the borrower paid in points directly led to a discount in rate.

Summary: Refinance reduces total housing payment by  $XXXXX.XX. ; Summary: UW Guides require 8.75 months reserves, loan qualified with 43.23 months reserves. ; Summary: Primary borrower has 5.42 years in field.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000049916

255_479_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is Missing, Unknown, Unknown, Unknown

(2021-07-02) Lender provided CDA supports origination value, condition cleared. (2021-07-02) AVM supplied by client is not within 10% tolerance and the finding remains. (2021-07-02) The loan file is missing payment history and P&I of XXXX.XX with XXX for REO #2 located at XXX-XX XXXX XXX

Summary: Borrower has resided in current property for 15.16 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000049916

255_479_15997

15997

Credit

Required Documentation is Missing

The loan file is missing payment history and P&I of XXXX.XX with XXX for REO #2 located at XXX-XX XXXX XXX.  Additional condition may apply.

(2021-07-06) Lender provided the CD for REO2 located at XXX-XX XXXX XX.  Mortgage history is in file on the Credit Report dated XX/XX/XXXX.  Condition cleared. (2021-07-02) The loan file is missing payment history and P&I of XXXX.XX with UWM for REO #2 located at XXX-XX XXXX XXX.  Additional condition may apply.

Summary: Borrower has resided in current property for 15.16 years.

Cleared

2

1

B

A

B

A

B

A

B

A

B

A

Yes

0000049916

255_479_-99944

-99944

Compliance

Late Fees Test

This loan failed the late fees test.The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.PLEASE NOTE: Certain states impose a late charge restriction that requires a comparison of the late fees charge, expressed either as a percentage or a dollar amount, or as both. In cases where the user provided data does not contain the required data point, ComplianceAnalyzer® will calculate the required data point from the late charge value entered by the user, and for such purpose will use the system's calculation of the scheduled monthly payment amount. Such data point calculations are an estimate based on the user provided data, and may not reflect the actual late charge threshold on an irregular payment, or if the maximum permitted late charge is based on the amount of the scheduled payment that is outstanding and not the entire scheduled payment.

(2021-07-08) Investment Property - Late Charge 5% allowed - Downgraded to B

Summary: Borrower has resided in current property for 15.16 years.

Active

2

2

B

B

B

B

B

B

B

B

B

B

Yes

0000052515

255_395_1541

1541

Credit

Missing asset documentation - liquid assets

Lender's guidelines require 1  months' bank statements,  investor portfolio statements,  401K or other retirement account statements.  There are insufficient asset statements for the following accounts: From forms in template: Form : Liquid Assets [Row 1]

(2021-07-13) Condition is cleared

Summary: Borrower has resided in current property for 5.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000053056

255_237_15997

15997

Credit

Required Documentation is Missing

The loan file is missing proof of terms for the New XXX Loans for XXXX XXXXX XXXXX XXXX and XXX X XXXXXXX XXXXXX. . The loan file is missing proof of terms for the New XXX Loans for XXXX XXXXX XXXXX XXXX and XXX X XXXXXXX XXXXXX.

(2021-06-14) Lender provided final CDs for XXXX XXXXX XXXXX XXXX and XXX X XXXXXXX XXXXXX to show P&I, HOI policy, and Tax Bill, condition cleared.

Summary: UW Guides require 12.20 months reserves, loan qualified with 72.55 months reserves. ; Summary: Primary borrower has 16.00 years in field. ; Summary: UW guides maximum DTI of 40.07%, loan qualified with DTI of 38.33%. ; Summary: Borrower has resided in current property for 3.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000054106

255_483_11312

11312

Credit

DTI Exceeds Guidelines

Guidelines reflect a DTI of 44.31%. Due to a miscalculation of debts to income, the actual DTI is 65.11%. Income  used includes total borrower income $XXXXX.XX plus subject property positive rental income $XXXX.XXplus other REO positive rental income $0.00. Total debt amount used is $XXXX.XX.

(2021-07-14) The exception 'DTI Exceeds Guidelines' is cleared. (2021-07-09) The exception 'DTI Exceeds Guidelines' is cleared.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000054106

255_483_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with  Occupancy,.

(2021-07-14) Lender provided additional month of verified assets.  Condition is cleared. The exception 'Invalid AUS' is cleared. (2021-07-09) Lender provided additional month of verified assets.  Condition is cleared. The exception 'Invalid AUS' is cleared. (2021-07-07) Lender provided additional month of verified assets.  Condition is cleared. (2021-07-01) Invalid AUS due missing one month of bank statement for March per DU, 2 months are required, condition remains.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000054106

255_483_1541

1541

Credit

Missing asset documentation - liquid assets

Lender's guidelines require 2  months' bank statements,  investor portfolio statements,  401K or other retirement account statements.  There are insufficient asset statements for the following accounts: From forms in template: Form : Liquid Assets [Row 1]

(2021-07-07) Lender provided additional month of verified assets.  Condition is cleared. (2021-07-01) Lender provided the same bank statement for XX/XX-XX/XX/XX, which is present in the loan file, still need March bank statement, per DU 2 months of bank statements are required, condition remains.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000054106

255_483_932

932

Credit

Missing AUS results

Missing AUS results.

(2021-07-14) Rescinded.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000054106

255_483_15997

15997

Credit

Required Documentation is Missing

The loan file is missing CD dated XX/XX/XXXX and XX/XX/XXXX.

(2021-07-01) Lender provided CDs dated XX/XX and XX/XX, condition cleared. (2021-06-25) The loan file is missing CD’s dated XX/XX/XXXX and XX/XX/XXXX.  Additional conditions may apply.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000054106

255_483_15264

15264

Compliance

Non-TQM - Failing AUS

Loan is failing to meet Temporary Qualified Mortgage (TQM) standards due to a failing to meet the Automated Underwriting Standards (AUS).

(2021-07-13) Condition rescinded

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000054130

255_238_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is Missing, No CDA in File, No AVM in file, Field Review not required

(2021-06-15) Lender provided an acceptable AVM.  Condition is cleared. (2021-06-15) Lender provided an acceptable CDA.  Condition is cleared.

Summary: Borrower has resided in current property for 3.00 years. ; Summary: UW Guides require 12.88 months reserves, loan qualified with 80.55 months reserves. ; Summary: Primary borrower has 16.00 years in field. ; Summary: Borrower has 16.00 years self employed.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000054130

255_238_15997

15997

Credit

Required Documentation is Missing

The loan file is missing evidence of the PITI payments for the properties recently refinanced with XXX at XXX X XXXXXXX and XXX XXXXXXXXXXX . The loan file is missing evidence of the PITI payments for the properties recently refinanced with XXX at XXX X XXXXXXX  and XXX X XXXXXXXXXXX.

(2021-06-23) Lender provided Final CDs for XXX X XXXXXX XXXXXX and XXX XXXXXXXXXX XXXXXX, condition cleared. (2021-06-15) The loan file is missing evidence of the PITI payments for the properties recently refinanced with XXX at XXX X XXXXXXX XXXXXX and XXX X XXXXXXXXXXX XXXXXX

Summary: Borrower has resided in current property for 3.00 years. ; Summary: UW Guides require 12.88 months reserves, loan qualified with 80.55 months reserves. ; Summary: Primary borrower has 16.00 years in field. ; Summary: Borrower has 16.00 years self employed.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000054241

255_382_1397

1397

Credit

Missing YTD Profit & Loss for Partnership 1 (Borrower 1)

Borrower 1 is self-employed and the YTD Profit & Loss is either missing or not executed for the partnership listed in position 3 on the application.   Profit & Loss in File:  No

(2021-06-25) Lender provided XXXX K-1 for X XXXX (XXXXXXXXXX XXXXXXXXXXXs), and signed/dated complete Business Tax Return for X XXXX (XXXXXXXXXX XXXXXXXXXXX), which were already in file.   File is still missing P&L for Partnership 1.  Condition Remains.

Summary: Borrower has resided in current property for 16.00 years. ; Summary: Refinance reduces total housing payment by  $XXXXX.XX.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000054719

255_484_1818

1818

Credit

Missing Trust Documentation

Missing Trust Documentation

(2021-07-06) Lender provided the Certification of Trust Document.  Condition Cleared.

Summary: Borrower has resided in current property for 30.00 years.

Cleared

2

1

B

A

B

A

B

A

B

A

B

A

Yes

0000057848

255_487_11312

11312

Credit

DTI Exceeds Guidelines

Guidelines reflect a DTI of 48.00%. Due to a miscalculation of debts to income, the actual DTI is 48.59%. Income  used includes total borrower income $XXXXX.XX plus subject property positive rental income $0.00 plus other REO positive rental income $0.00. Total debt amount used is $XXXXX.XX.

(2021-07-07) Lender provided updated AUS and income documentation.  Condition is cleared. (2021-07-02) Lender provided Income worksheets for Pension and W2 and Pension, DTI failing due primary residence approved at $XXXX.XX, based on the LE provided $XXXX monthly payment, need proof payment went down with Final CD, DTI at 53.79%, when approved at 47.90%, condition remains.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000057848

255_487_18600

18600

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to LP if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with  Occupancy,.

(2021-07-07) Lender provided updated AUS and income documentation.  Condition is cleared. (2021-07-02) Lender provided Income worksheets for Pension and W2 and Pension, DTI failing due primary residence approved at $XXXX.XX, based on the LE provided $XXXX monthly payment, need proof payment went down with Final CD, DTI at 53.79%, when approved at 47.90%, condition remains.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000060839

255_326_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is above 2.5, No CDA in File, Unknown, Field Review not required The exception status is currently Active. Client provided a high quality AVM that supported value, condition cleared. Client provided documentation to resolve. Condition cleared.

(2021-07-14) Client provided documentation to resolve. Condition cleared. (2021-07-09) Client provided documentation to resolve. Condition cleared. (2021-06-28) Client provided a high quality AVM that supported value, condition cleared.

Summary: Coborrower has 21.67 years in field. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 8.74 months reserves. ; Summary: Refinance reduces rate from 4.25% to 3.50%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000060846

255_316_1451

1451

Credit

Missing Evidence of Property Taxes for Primary Residence

Missing Evidence of Property Taxes for Primary Residence The exception status is currently Active. client provided proof of property taxes - condition cleared Client provided documentation to resolve. Condition cleared.

(2021-07-14) Client provided documentation to resolve. Condition cleared. (2021-07-09) Client provided documentation to resolve. Condition cleared. (2021-06-24) client provided proof of property taxes - condition cleared

Summary: Coborrower has 8.67 years in field. ; Summary: Refinance reduces total housing payment by  $XXXXX.XX. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 44.13 months reserves. ; Summary: Refinance reduces rate from 4.00% to 3.25%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000060846

255_316_937

937

Credit

Missing Final Application - Not Executed

A final application executed by the borrower(s) was not provided.

(2021-07-14) Client provided documentation to resolve. Condition cleared. (2021-07-09) Client provided documentation to resolve. Condition cleared. (2021-06-24) Client provided Executed Final 1003 - condition cleared

Summary: Coborrower has 8.67 years in field. ; Summary: Refinance reduces total housing payment by  $XXXXX.XX. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 44.13 months reserves. ; Summary: Refinance reduces rate from 4.00% to 3.25%.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000060846

255_316_455

455

Credit

Missing Final Application (1003)

A final application for the subject transaction was not provided

(2021-07-14) Rescind

Summary: Coborrower has 8.67 years in field. ; Summary: Refinance reduces total housing payment by  $XXXXX.XX. ; Summary: UW Guides require 6.00 months reserves, loan qualified with 44.13 months reserves. ; Summary: Refinance reduces rate from 4.00% to 3.25%.

Rescind

1

1

A

A

A

A

A

A

A

A

A

A

Yes

0000061996

255_490_1469

1469

Credit

Missing Evidence that REO1 Property is Owned Free and Clear

Missing Evidence that REO1 Property is Owned Free and Clear

(2021-07-01) Lender provided Open Lien report showing no mortgage associated with the property, condition cleared.

Summary: Borrower has resided in current property for 3.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000061996

255_490_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is Missing, Unknown, Unknown, Unknown

(2021-06-25) Client provided CDA that supports value at origination, condition cleared.

Summary: Borrower has resided in current property for 3.00 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000062898

255_492_11312

11312

Credit

DTI Exceeds Guidelines

Guidelines reflect a DTI of 33.21%. Due to a miscalculation of debts to income, the actual DTI is 36.38%. Income  used includes total borrower income $XXXX.XX plus subject property positive rental income $XXX.XXplus other REO positive rental income $0.00. Total debt amount used is $XXXX.XX.

(2021-07-14) Client provided documentation to resolve. Condition cleared. (2021-07-09) Client provided documentation to resolve. Condition cleared.

Summary: Refinance reduces total housing payment by  $XXXXX.XX.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000062898

255_492_1454

1454

Credit

Missing Evidence of Insurance for Primary Residence

Missing Evidence of Insurance for Primary Residence

(2021-07-01) Lender provided final CD showing total monthly payment of $XXXX.XX with escrows, condition cleared.

Summary: Refinance reduces total housing payment by  $XXXXX.XX.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000062898

255_492_1451

1451

Credit

Missing Evidence of Property Taxes for Primary Residence

Missing Evidence of Property Taxes for Primary Residence

(2021-07-01) Lender provided final CD showing total monthly payment of $XXXX.XX with escrows, condition cleared.

Summary: Refinance reduces total housing payment by  $XXXXX.XX.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000062898

255_492_15997

15997

Credit

Required Documentation is Missing

The loan file is missing verification of mortgage payment for primary residence XX XXXXXXXX XX.

(2021-07-01) Lender provided final CD showing total monthly payment of $XXXX.XX with escrows, condition cleared.

Summary: Refinance reduces total housing payment by  $XXXXX.XX.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000065260

255_494_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is Missing, Unknown, Unknown, Unknown

(2021-07-02) Client supplied high quality AVM that supports value, condition cleared.

Summary: Refinance reduces total housing payment by  $XXXXX.XX. ; Summary: Borrower has resided in current property for 3.42 years.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000065322

255_495_10285

10285

Credit

Incomplete AUS Results

AUS Results are incomplete.

(2021-07-02) Lender provided a completed AUS/LP for the review dated XX/XX/XXXX, condition cleared.

Cleared

3

1

C

A

C

A

C

A

C

A

C

A

Yes

0000355163

268_76_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is Missing, Unknown, Unknown, Unknown

(2021-07-14) Client provided documentation to resolve. Condition cleared. (2021-07-09) Client provided documentation to resolve. Condition cleared. (2021-07-06) Client supplied a CDA that supports value, condition cleared.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000385979

268_26_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is Missing, Unknown, Unknown, Unknown

(2021-07-14) Client provided documentation to resolve. Condition cleared. (2021-07-09) Client provided documentation to resolve. Condition cleared. (2021-07-06) High quality AVM supplied by client supports value, condition cleared.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000400208

268_25_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is Missing, Unknown, Unknown, Unknown

(2021-07-14) Client provided documentation to resolve. Condition cleared. (2021-07-09) Client provided documentation to resolve. Condition cleared. (2021-07-06) CDA supplied by client supports value, condition cleared.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000429063

268_94_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is Missing, Unknown, Unknown, Unknown

(2021-07-14) Client provided documentation to resolve. Condition cleared. (2021-07-09) Client provided documentation to resolve. Condition cleared. (2021-07-06) High quality AVM that supports value supplied by client, condition cleared.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000439226

268_2_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is above 2.5, Unknown, Unknown, Unknown

(2021-07-14) Client provided documentation to resolve. Condition cleared. (2021-07-09) Client provided documentation to resolve. Condition cleared. (2021-07-06) High quality AVM that supports value was supplied by the client, condition cleared.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

0000452621

268_19_16463

16463

Credit

Missing Secondary Valuation

A valid secondary valuation supporting the origination appraisal value is not present, CU Score is Missing, Unknown, Unknown, Unknown

(2021-07-14) Client provided documentation to resolve. Condition cleared. (2021-07-09) Client provided documentation to resolve. Condition cleared. (2021-07-06) High quality AVM that supports value was supplied by the client, condition cleared.

Cleared

3

1

D

A

D

A

D

A

D

A

D

A

Yes

EX-99.4

Customer Loan ID

Initial Loan Grade

Final Loan Grade

Initial DBRS Loan Grade

Final DBRS Loan Grade

Initial DBRS Credit Loan Grade

Final DBRS Credit Loan Grade

Initial DBRS Compliance Loan Grade

Final DBRS Compliance Loan Grade

Initial DBRS Property Loan Grade

Final DBRS Property Loan Grade

Initial Moody's Loan Grade

Final Moody's Loan Grade

Initial Moody's Credit Loan Grade

Final Moody's Credit Loan Grade

Initial Moody's Compliance Loan Grade

Final Moody's Compliance Loan Grade

Initial Moody's Property Loan Grade

Final Moody's Property Loan Grade

Initial Fitch Loan Grade

Final Fitch Loan Grade

Initial Fitch Credit Loan Grade

Final Fitch Credit Loan Grade

Initial Fitch Compliance Loan Grade

Final Fitch Compliance Loan Grade

Initial Fitch Property Loan Grade

Final Fitch Property Loan Grade

Initial Kroll Loan Grade

Final Kroll Loan Grade

Initial Kroll Credit Loan Grade

Final Kroll Credit Loan Grade

Initial Kroll Compliance Loan Grade

Final Kroll Compliance Loan Grade

Initial Kroll Property Loan Grade

Final Kroll Property Loan Grade

Initial S&P Loan Grade

Final S&P Loan Grade

Initial S&P Credit Loan Grade

Final S&P Credit Loan Grade

Initial S&P Compliance Loan Grade

Final S&P Compliance Loan Grade

Initial S&P Property Loan Grade

Final S&P Property Loan Grade

0000698970

3

1

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

A

A

D

A

D

A

A

A

A

A

0000822828

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0000870949

3

1

D

A

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

D

A

C

A

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A

D

A

D

A

C

A

A

A

D

A

D

A

C

A

A

A

0000018784

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

0000024248

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

A

A

0000033175

1

1

A

A

A

A

A

A

A

A

A

A

A

A

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A

A

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A

A

A

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A

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A

A

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A

A

A

A

A

A

A

A

A

0000033183

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

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A

A

A

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A

A

A

A

A

A

A

A

A

A

0000047473

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

0000050205

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

0000062486

3

1

D

A

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

D

A

C

A

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A

D

A

D

A

C

A

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A

D

A

D

A

C

A

A

A

0000065005

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

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C

A

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C

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C

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C

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C

A

A

A

C

A

A

A

0000067888

3

1

D

A

D

A

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D

A

D

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A

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D

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0000069560

3

1

D

A

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A

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D

A

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0000072754

3

1

D

A

D

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D

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D

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0000074358

1

1

A

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0000077753

1

1

A

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0000096096

3

1

D

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C

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0000096998

3

1

D

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0000125158

3

1

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0000126815

3

1

D

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0000131955

3

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0000132470

3

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0000135378

3

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0000139577

1

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0000149026

1

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A

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0000155659

1

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0000157132

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EX-99.5

Customer Loan ID	Name	Data Field	Tape Data	Review Data	Tape Discrepancy Comments
0000031780	XXXX	DTI	21.04 %	22.25 %	Summary: Incoming Value:21.04 Audit Value: 22.25 1008 DTI is 21.038%. Audit used a more conservative figure for consumer debt payments based on documentation in the loan file
0000223943	XXXX	DTI	32.57 %	30.54 %	Summary: Incoming Value:32.57 Audit Value: 30.54 1008 DTI 32.568% - Difference due to calculation of rental income/loss
0000238603	XXXX	DTI	24.36 %	19.97 %	Summary: Incoming Value:24.36 Audit Value: 19.97 1008 DTI is 24.357%. Audit used a less conservative figure for debts based on documentation in the loan file.
0000244742	XXXX	DTI	33.48 %	24.31 %	Summary: Incoming Value:33.48 Audit Value: 24.31 1008 DTI 28.831% - Difference due to calculation of rental income
0000249524	XXXX	DTI	43.60 %	43.61 %	Summary: Incoming Value:43.60 Audit Value: 43.61 Discrepancy due to Rounding
0000230462	XXXX	DTI	40.81 %	42.15 %	Summary: Incoming Value:40.81 Audit Value: 42.15 1008 DTI is 34.989%. audit used a more conservative figure for subject PITI and net rental income.
0000038874	XXXX	DTI	47.33 %	45.15 %	Summary: Incoming Value:47.33 Audit Value: 45.15 1008 DTI 47.327%. Audit used a less conservative figure for negative net rental income based on documentation in the loan file.
0000077753	XXXX	DTI	49.38 %	49.23 %	Summary: Incoming Value:49.38 Audit Value: 49.23 1008 DTI 49.38%. Audit used less conservative figure for Net Rental Income based on the documentation in the loan file.
0000024248	XXXX	DTI	43.55 %	40.78 %	Summary: Incoming Value:43.55 Audit Value: 40.78 1008 DTI is 43.550%. Audit used a less conservative figure for net rental income based on documentation in the loan file.
0000062486	XXXX	DTI	44.65 %	42.13 %	Summary: Incoming Value:44.65 Audit Value: 42.13 DTI is due to re-calculation of rental income.
0000155659	XXXX	DTI	31.50 %	31.51 %	Summary: Incoming Value:31.50 Audit Value: 31.51 Discrepancy due to Rounding
0000019226	XXXX	DTI	41.78 %	42.11 %	Summary: Incoming Value:41.78 Audit Value: 42.11 1008 DTI41.779% - Difference due to calculation of liabilities
0000226597	XXXX	DTI	37.02 %	37.20 %	Summary: Incoming Value:37.02 Audit Value: 37.20 Audit DTI 37.20% > 37.02% due to variance in income and OREO calculation
0000244135	XXXX	DTI	28.49 %	28.51 %	Summary: Incoming Value:28.49 Audit Value: 28.51 1008 DTI 28.492% - Difference due to calculation in rental income/loss
0000243771	XXXX	DTI	30.02 %	25.77 %	Summary: Incoming Value:30.02 Audit Value: 25.77 Lender included taxes/insurance on primary residence in the DTI twice.
0000226512	XXXX	DTI	28.76 %	30.56 %	Summary: Incoming Value:28.76 Audit Value: 30.56 1008 DTI 28.76% vs 30.56% Lender used estimated taxes and insurance figures. Audit used actual figures based on documentation in the loan file.
0000267262	XXXX	DTI	43.34 %	43.30 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000020767	XXXX	DTI	48.61 %	42.00 %	Summary: Incoming Value:48.61 Audit Value: 42.00 1008 DTI 48.611% - Difference due to Lender used PITIA for primary residence of $X,XXX.XX vs actual PITIA of $X,XXX.XX based on actual documentation in file (mortgage statements and credit supplements)
0000202061	XXXX	DTI	28.53 %	24.76 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000202061	XXXX	Property Zip	Per Tape	Per Data	Summary: Incoming value: XXXXX Audit value: Audit Value Pulled From Note
0000254891	XXXX	DTI	35.03 %	35.43 %	Summary: Incoming Value:35.03 Audit Value: 35.43 Audit used $X,XXX.XX for income and $X,XXX.XX for expenses.   Lender used $X,XXX.XX for income and $X,XXX.XX for expenses per DU.   The subject negative rental income is off by 1 cent due to rounding.  Other REO net negative rent is $X,XXX.XXper the audit and $X,XXX.XX per the lender.  Audit used $X,XXX.XX for the primary residence and the lender used $X,XXX.XX.
0000016199	XXXX	DTI	39.11 %	38.60 %	Summary: Incoming Value:39.11 Audit Value: 38.60 1008 DTI 39.107.  Audit used property taxes based on the documentation in the loan file
0000016199	XXXX	Property Type	Condo Low Rise (4 or fewer stories)	Condo High Rise (5+ stories)	Summary: Incoming value: Condo Low Rise (4 or fewer stories) Audit Value: Condo High Rise (5+ stories) Subject appraisal indicates 6 stories.
0000125158	XXXX	DTI	36.84 %	32.50 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000035982	XXXX	DTI	31.50 %	33.18 %	Summary: Incoming Value:31.50 Audit Value: 33.18 Audit used a more conservative figure for bonus income based on the documentation in the loan file.
0000221223	XXXX	DTI	42.49 %	41.63 %	Summary: Incoming Value:42.49 Audit Value: 41.63 1008 DTI 42.49% vs 41.63% Lender used estimated taxes and insurance figures for Rentals. Audit used actual figures based on documentation in the loan file.
0000229496	XXXX	DTI	36.35 %	36.60 %	Summary: Incoming Value:36.35 Audit Value: 36.60 1008 DTI 36.35%. Audit used less conservative figure for Net Rental Income based on the documentation in the loan file.
0000247315	XXXX	DTI	46.56 %	46.57 %	Summary: Incoming Value:46.56 Audit Value: 46.57 Discrepancy due to Rounding
0000254308	XXXX	CLTV	56.39 %	56.38 %	Summary: Incoming Value: 56.39 Audit Value: Audit Value of 1st + 2nd liens / Value 56.38 Discrepancy due to Rounding.
0000254308	XXXX	LTV	56.39 %	56.38 %	Summary: Incoming Value: 56.39 Audit Value: Audit Value of 1st lien / Value 56.38 Discrepancy due to Rounding.
0000258308	XXXX	DTI	36.62 %	36.63 %	Summary: Incoming Value:36.62 Audit Value: 36.63 Discrepancy due to Rounding
0000272435	XXXX	DTI	48.80 %	48.22 %	Summary: Incoming Value:48.80 Audit Value: 48.22 1008 DTI 48.80% vs 48.22% Lender used estimated taxes and insurance figures. Audit used actual figures based on documentation in the loan file.
0000249510	XXXX	DTI	43.78 %	38.90 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000212428	XXXX	DTI	45.30 %	40.99 %	Summary: Incoming Value:45.30 Audit Value: 40.99 1008 DTI 45.295% - Difference due to calculation of rental income/loss on REO properties
0000213674	XXXX	DTI	44.49 %	41.96 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000018301	XXXX	DTI	47.96 %	44.91 %	Summary: Incoming Value:47.96 Audit Value: 44.91 Audit used a less conversative figure for Net Rental Income based on the documentation in the loan file.
0000218701	XXXX	DTI	39.43 %	39.50 %	Summary: Incoming Value:39.43 Audit Value: 39.50 1008 DTI 39.428% - Difference due to slight difference in calculation of rental income/loss
0000218827	XXXX	DTI	41.62 %	42.55 %	Summary: Incoming Value:41.62 Audit Value: 42.55 DU approval in file dated XX/XX/XXXX approved a DTI of 41.62%.  Audit review determined a DTI of 42.55%.  Lender subject property taxes are $XXX.XX/month which matches the final CD.  Audit UW used $XXX.XX/month.  Title reflects $XXX.XX/per month.
0000218854	XXXX	DTI	39.43 %	39.40 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000179916	XXXX	DTI	47.41 %	38.50 %	Summary: Incoming Value:47.41 Audit Value: 38.50 1008 DTI 47.41% - Difference due to calculation of rental income/loss using actual documentation in file
0000169087	XXXX	DTI	48.47 %	45.58 %	Summary: Incoming Value:48.47 Audit Value: 45.58 1008 DTI is 48.452% Audit used more conservative net rental income.
0000021008	XXXX	DTI	9.30 %	3.80 %	Summary: Incoming Value:9.30 Audit Value: 3.80 Audit used a less conservative figure for Net Rental Income based on the documentation in the loan file.
0000135378	XXXX	DTI	46.32 %	46.02 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000166861	XXXX	DTI	30.58 %	47.46 %	Summary: Incoming Value:30.58 Audit Value: 47.46 . Audit used $X,XXX.XX for income and $X,XXX.XX for expenses.   Lender used $X,XXX.XX for income and $X,XXX.XX for expenses per DU.    The Audit DTI is 47.46% and DU DTI is 48.58%.  Additionally, the audit included consumer debt of $X,XXX.XX (4 revolving accounts with payments of $XX, $XX, $XX, $XX) and the DU included $X,XXX.XX for consumer debt.
0000204229	XXXX	DTI	24.70 %	24.72 %	Summary: Incoming Value:24.70 Audit Value: 24.72 1008 DTI 24.70%. Audit used less conservative figure for Net Rental Income based on the documentation in the loan file.
0000072754	XXXX	DTI	26.44 %	27.07 %	Summary: Incoming Value:26.44 Audit Value: 27.07 1008 DTI 26.44%. Audit used a more conservative figure for Net Rental Income based on the documentation in the loan file.
0000074358	XXXX	DTI	38.70 %	38.27 %	Summary: Incoming Value:38.70 Audit Value: 38.27 1008 DTI 38.704% - Difference due to calculation of rental income/loss
0000210258	XXXX	DTI	48.20 %	48.21 %	Summary: Incoming Value:48.20 Audit Value: 48.21 Discrepancy due to Rounding
0000254859	XXXX	DTI	38.82 %	40.29 %	Summary: Incoming Value:38.82 Audit Value: 40.29 1008 DTI 38.819% - Difference due to calculation of rental income/loss. DTI variance is due to UWM Loan statement for REO A payment of $X,XXX.XX vs. $X,XXX.XX on the final application resulting in a DTI of 40.29% vs. $38.819% on the final 1008.
0000015598	XXXX	DTI	44.52 %	39.41 %	Summary: Incoming Value:44.52 Audit Value: 39.41 DTI discrepancy due to the re-calculation of rental income
0000214711	XXXX	DTI	42.17 %	41.70 %	Summary: Incoming Value:42.17 Audit Value: 41.70 1008 DTI is 42.168%.   Auditor used a more conservative figure for net retnal income based on the documentation in the loan file
0000189126	XXXX	DTI	43.90 %	42.97 %	Summary: Incoming Value:43.90 Audit Value: 42.97 1008 DTI 43.90% - Difference due to calculation of PITI on primary and rental income/loss based in actual documentation in file
0000822828	XXXX	DTI	45.09 %	45.02 %	Summary: Incoming Value:45.09 Audit Value: 45.02 1008 DTI 45.087%.  Audit used consumer debt from credit report which was less conservative than amounts used by lender
0000002584	XXXX	Borrower Self Employed	No	Yes	Summary: Incoming Value:No Audit Value: Audit value pulled from documents located in the loan file
0000002584	XXXX	DTI	47.25 %	33.90 %	Summary: Incoming Value:47.25 Audit Value: 33.90 Audit used a less conservative figure for Net Rental Income based on the documentation in the loan file.
0000034088	XXXX	DTI	42.08 %	44.67 %	Summary: Incoming Value:42.08 Audit Value: 44.67 1008 DTI 42.075.  Audit used other debts from credit report in loan file.
0000031585	XXXX	DTI	21.22 %	21.02 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000281649	XXXX	Property Zip	Per Tape	Per Data	Summary: Incoming value: XXXXX Audit value: Audit Value Pulled From Note
0000034619	XXXX	DTI	25.39 %	25.84 %	Summary: Incoming Value:25.39 Audit Value: 25.84 DTI discrepancy is due to re-calculation of rental income.
0000231551	XXXX	CLTV	73.90 %	73.89 %	Summary: Incoming Value: 73.90 Audit Value: Audit Value of 1st + 2nd liens / Value 73.89. Discrepancy due to Rounding.
0000231551	XXXX	DTI	42.36 %	44.08 %	Summary: Incoming Value:42.36 Audit Value: 44.08 1008 DTI is 42.36%.  Audit used a more conservative figure for Net Rental Income based on the documentation in the loan file
0000231551	XXXX	LTV	73.90 %	73.89 %	Summary: Incoming Value: 73.90 Audit Value: Audit Value of 1st lien / Value 73.89 Discrepancy due to Rounding.
0000238638	XXXX	DTI	29.34 %	29.35 %	Summary: Incoming Value:29.34 Audit Value: 29.35 Discrepancy due to Rounding
0000229465	XXXX	CLTV	59.93 %	59.92 %	Summary: Incoming Value: 59.93 Audit Value: Audit Value of 1st + 2nd liens / Value 59.92 Discrepancy due to Rounding.
0000229465	XXXX	DTI	49.60 %	49.62 %	Summary: Incoming Value:49.60 Audit Value: 49.62 Audit used $X,XXX.XX vs. $X,XXX.XX for the primary residence payment.
0000229465	XXXX	LTV	59.93 %	59.92 %	Summary: Incoming Value: 59.93 Audit Value: Audit Value of 1st lien / Value 59.92 Discrepancy due to Rounding.
0000034314	XXXX	DTI	23.19 %	22.74 %	Summary: Incoming Value:23.19 Audit Value: 22.74 1008 DTI 23.191% - Difference due to calculation of rental income/loss based on actual documentation in file
0000265595	XXXX	DTI	38.45 %	38.63 %	Summary: Incoming Value:38.45 Audit Value: 38.63 Audit used a more conservative figure for Net Rental Income based on the documentation in file.
0000262471	XXXX	DTI	23.93 %	25.24 %	Summary: Incoming Value:23.93 Audit Value: 25.24 Audit used $X,XXX.XX for income and $X,XXX.XX for expenses.  The variance in income is due to the lender using “other Income” from an REO property at XXXX but the audit calculated a net rental loss of $X,XXX.XX.
0000250779	XXXX	DTI	38.05 %	37.92 %	Summary: Incoming Value:38.05 Audit Value: 37.92 1008 DTI 38.054% - DOfference due to calculation of rental income/loss on subject property
0000250779	XXXX	Property Zip	Per Tape	Per Data	Summary: Incoming value: XXXXX Audit value: Audit Value Pulled From Note
0000249783	XXXX	DTI	40.24 %	34.57 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000265822	XXXX	DTI	43.26 %	39.58 %	Summary: Incoming Value:43.26 Audit Value: 39.58 1008 DTI 43.261% - Difference due to calculation of rental income/loss based on actual documentation in file
0000040492	XXXX	DTI	37.28 %	37.53 %	Summary: Incoming Value:37.28 Audit Value: 37.53 Audit used $X,XXX.XX for income and $X,XXX.XX for expenses.   Lender used $X,XXX.XX for income and $X,XXX.XX for expenses.
0000219983	XXXX	DTI	42.17 %	41.70 %	Summary: Incoming Value:42.17 Audit Value: 41.70 1008 DTI 42.168%. Audit used a less conservative figure for Net Rental Income based on the documentation in the loan file
0000218138	XXXX	DTI	41.80 %	42.39 %	Summary: Incoming Value:41.80 Audit Value: 42.39 1008 DTI 41.803%.  Audit used a more conservative figure for income and rental income based on the documentation in the loan file.
0000243252	XXXX	DTI	28.78 %	28.65 %	Summary: Incoming Value:28.78 Audit Value: 28.65 Audit used a less conservative figure for Net Rental Loss based on the documentation in the loan file.
0000259656	XXXX	DTI	43.51 %	43.42 %	Summary: Incoming Value:43.51 Audit Value: 43.42 1008 DTI 43.505% - Difference due to calculation of rental income/loss
0000870949	XXXX	DTI	33.49 %	33.51 %	Summary: Incoming Value:33.49 Audit Value: 33.51 Audit used a more conservative figure for Net Rental Income based on the documentation in file.
0000033175	XXXX	DTI	31.13 %	30.49 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000033183	XXXX	DTI	30.33 %	29.80 %	Summary: Incoming Value:30.33 Audit Value: 29.80 1008 DTI 30.328% - Difference due to slight difference in rental income/loss
0000065005	XXXX	DTI	37.33 %	37.20 %	Summary: Incoming Value:37.33 Audit Value: 37.20 1008 DTI 37.33% - Difference due to calculation of rental income/loss
0000214664	XXXX	DTI	35.47 %	35.46 %	Summary: Incoming Value:35.47 Audit Value: 35.46 Discrepancy due to Rounding
0000223495	XXXX	DTI	45.57 %	42.82 %	Summary: Incoming Value:45.57 Audit Value: 42.82 1008 DTI 45.574%.  Audit credit report debts taken from credit report in loan file
0000223495	XXXX	Property Type	PUD (Only for use with Single Family Detached Homes with PUD riders)	1 Family Attached	Summary: Incoming Value: PUD (Only for use with Single Family Detached Homes with PUD riders) Audit Value: Audit Value Pulled From Appraisal Appraisal states the subject is a PUD and an attached townhouse.
0000320816	XXXX	DTI	7.19 %	10.33 %	Summary: Incoming Value:7.19 Audit Value: 10.33 The lender did not consider all monthly debt in the calculation
0000309195	XXXX	DTI	45.95 %	46.00 %	Summary: Incoming Value:45.95 Audit Value: 46.00 - Difference due to slight difference in rental income/loss
0000325366	XXXX	DTI	25.33 %	30.11 %	Summary: Incoming Value:25.33 Audit Value: 30.11 Audit used a more conservative figure for Net Rental Income based on the documentation in the loan file.
0000344093	XXXX	DTI	31.07 %	28.98 %	Summary: Incoming Value:31.07 Audit Value: 28.98 Lender used subject net rental debt of $X,XXX.XX month versus docs in file support $XXX.XX/month net rental debt.
0000045898	XXXX	DTI	29.85 %	29.78 %	Summary: Incoming Value:29.85 Audit Value: 29.78 1008 DTI 28.85%.  Audit used a lowe monthly primary housing payment based on the documentation in the loan file.
0000383371	XXXX	DTI	28.15 %	28.99 %	Summary: Incoming Value:28.15 Audit Value: 28.99 Audit used a more conservative figure for Net Rental Income based on the documentation in the loan file.
0000346055	XXXX	DTI	43.07 %	41.71 %	Summary: Incoming Value:43.07 Audit Value: 41.71 Audit used a less conservative figure for Net Rental Income based on the documentation in the loan file.
0000346407	XXXX	DTI	37.37 %	36.92 %	Summary: Incoming Value:37.37 Audit Value: 36.92 Audit used a less conservative figure for Net Rental Income based on the documentation in the loan file.
0000361567	XXXX	DTI	44.47 %	44.31 %	Summary: Incoming Value:44.47 Audit Value: 44.31 Lender did not include full PITI payment of primary residence.
0000350951	XXXX	DTI	37.51 %	46.37 %	Summary: Incoming Value:37.51 Audit Value: 46.37 Audit used a more conservative figure for Net Rental Income based on the documentation in the loan file.
0000181526	XXXX	DTI	38.47 %	37.83 %	Summary: Incoming Value:38.47 Audit Value: 37.83 Audit used less conservative figure for Net Rental Income based on the documentation in the loan file.
0000220089	XXXX	DTI	31.92 %	29.60 %	Summary: Incoming Value:31.92 Audit Value: 29.60 Audit used a less conservative figure for the primary housing payment based on the documentation in the loan file.
0000293673	XXXX	DTI	22.42 %	22.02 %	Summary: Incoming Value:22.42 Audit Value: 22.02 1008 DTI 22.418%.  Audit used a less conservative figure for Net Rental Income based on the documentation in the loan file.
0000293673	XXXX	Property Zip	Per Tape	Per Data	Summary: Incoming value: XXXXX Audit value: Audit Value Pulled From Note
0000046394	XXXX	DTI	35.75 %	36.40 %	Summary: Incoming Value:35.75 Audit Value: 36.40 Audit monthly debt figures are based on the most recent credit report in the loan file.
0000046348	XXXX	DTI	29.51 %	29.11 %	Summary: Incoming Value:29.51 Audit Value: 29.11 Audit used a less conservative figure for Net Rental Income based on the documentation in the loan file.
0000037614	XXXX	DTI	49.13 %	48.48 %	Summary: Incoming Value:49.13 Audit Value: 48.48 Audit used a more conservative figure for Net Rental Income based on the documentation in the loan file.
0000374314	XXXX	DTI	44.92 %	44.87 %	Summary: Incoming Value:44.92 Audit Value: 44.87 1008 DTI 44.92%.   Audit used a lower consumer debt amount based on the documentation in the loan file.
0000337615	XXXX	DTI	42.75 %	43.10 %	Summary: Incoming Value:42.75 Audit Value: 43.10 1008 DTI 42.754%.  Audit used a less conservative figure for Net Rental Income based on the documentation in the loan file.
0000324229	XXXX	DTI	41.58 %	43.88 %	Summary: Incoming Value:41.58 Audit Value: 43.88 Audit used more conservative figure for Net Rental Income based on the documentation in the loan file.
0000324229	XXXX	Property Zip	Per Tape	Per Data	Summary: Incoming value: XXXXX Audit value: Audit Value Pulled From Note
0000289826	XXXX	DTI	43.65 %	43.63 %	Summary: Incoming Value:43.65 Audit Value: 43.63 Audit used a less conservative figure for Net Rental Income based on the documentation in the loan file.
0000266523	XXXX	DTI	16.39 %	14.62 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000266523	XXXX	Property Type	PUD (Only for use with Single Family Detached Homes with PUD riders)	1 Family Attached	Subject appraisal indicates subject is a Single Family Attached Home with a PUD Rider.
0000294855	XXXX	DTI	46.86 %	43.37 %	Summary: Incoming Value:46.86 Audit Value: 43.37 Audit used a less conservative figure for Net Rental Income based on the documentation in the loan file.
0000324779	XXXX	DTI	36.46 %	29.10 %	Summary: Incoming Value:36.46 Audit Value: 29.10 1008 DTI 36.461%.  DTI discrepancy due to incorrect calculation of primary residence payment
0000324660	XXXX	Property Type	PUD (Only for use with Single Family Detached Homes with PUD riders)	1 Family Attached	Summary: Incoming Value: PUD (Only for use with Single Family Detached Homes with PUD riders) Audit Value: Audit Value Pulled From Appraisal
0000326460	XXXX	DTI	38.58 %	33.57 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000326460	XXXX	Property Zip	Per Tape	Per Data	Summary: Incoming value: XXXXX Audit value: Audit Value Pulled From Note
0000352448	XXXX	DTI	46.27 %	46.16 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000366960	XXXX	DTI	27.42 %	28.14 %	Summary: Incoming Value:27.42 Audit Value: 28.14 Audit used a more conservative figure for Net Rental Income based on the documentation in the loan file.
0000048617	XXXX	DTI	49.84 %	27.19 %	Summary: Incoming Value:49.84 Audit Value: 27.19 Audit used a less conservative figure for Net Rental Income based on the documentation in the loan file.
0000387916	XXXX	DTI	37.17 %	30.83 %	Summary: Incoming Value:37.17 Audit Value: 30.83 Audit used a more conservative figure for Net Rental Income based on the documentation in the loan file.
0000385232	XXXX	DTI	32.41 %	32.40 %	Summary: Incoming Value:32.41 Audit Value: 32.40 Discrepancy due to Rounding
0000385232	XXXX	Property Type	PUD (Only for use with Single Family Detached Homes with PUD riders)	1 Family Attached	Summary: Incoming Value: PUD (Only for use with Single Family Detached Homes with PUD riders) Audit Value: Audit Value Pulled From Appraisal
0000039365	XXXX	DTI	48.91 %	47.78 %	Summary: Incoming Value:48.91 Audit Value: 47.78 Audit used a less conservative figure for Net Rental Income based on the documentation in the loan file.
0000043807	XXXX	DTI	21.09 %	21.52 %	Summary: Incoming Value:21.09 Audit Value: 21.52 1008 DTI 21.087%.  Audit used a more conservative figure for Net Rental Income based on the documentation in the loan file.
0000349857	XXXX	DTI	32.72 %	34.77 %	Summary: Incoming Value:32.72 Audit Value: 34.77 DTI is due to re-calculation of rental income
0000304967	XXXX	DTI	32.74 %	32.46 %	Summary: Incoming Value:32.74 Audit Value: 32.46 1008 DTI 32.94%. Audit used a less conservative figure for consumer debts based on the latest credit report in file.
0000304910	XXXX	DTI	45.27 %	36.57 %	Summary: Incoming Value:45.27 Audit Value: 36.57 Audit used a less conservative figure for Net Rental Income based on the documentation in the loan file.
0000302674	XXXX	DTI	40.91 %	40.73 %	Summary: Incoming Value:40.91 Audit Value: 40.73 Audit used a less conservative figure for Net Rental Income based on the documentation in the loan file.
0000265061	XXXX	DTI	35.99 %	35.50 %	Summary: Incoming Value:35.99 Audit Value: 35.50 Audit used a less conservative figure for Net Rental Income based on the documentation in the loan file.
0000296516	XXXX	DTI	44.17 %	37.17 %	Summary: Incoming Value:44.17 Audit Value: 37.17 1008 DTI 44.43%. Audit used less conservative figure for Net Rental Income based on the documentation in the loan file.
0000286224	XXXX	DTI	40.90 %	40.85 %	Summary: Incoming Value:40.90 Audit Value: 40.85 1008 DTI 40.896%. Audit used less conservative figure for Net Rental Income based on the documentation in the loan file.
0000017286	XXXX	DTI	40.66 %	34.07 %	Summary: Incoming Value:40.66 Audit Value: 34.07 1008 DTI 40.66 Audit used a less conservative figure for Net Rental Income based on the documentation in the loan file.
0000285787	XXXX	DTI	48.04 %	48.57 %	Summary: Incoming Value:48.04 Audit Value: 48.57 Audit used a more conservative figure for dividend income
0000372684	XXXX	DTI	47.20 %	46.03 %	Summary: Incoming Value:47.20 Audit Value: 46.03 Audit used a less conservative figure for Net Rental Income based on the documentation in the loan file.
0000372684	XXXX	Property Zip	Per Tape	Per Data	Summary: Incoming value: XXXXX Audit value: Audit Value Pulled From Note
0000374126	XXXX	DTI	44.20 %	43.65 %	Summary: Incoming Value:44.20 Audit Value: 43.65 1008 DTI 44.204%.  Audit used a less conservative figure for Net Rental Income based on the documentation in the loan file.
0000126815	XXXX	DTI	20.81 %	23.41 %	Summary: Incoming Value:20.81 Audit Value: 23.41 1008 DTI 20.812% - Difference due to calculation of borrowers income
0000334828	XXXX	DTI	31.53 %	31.95 %	Summary: Incoming Value:31.53 Audit Value: 31.95 Audit used a more conservative figure for Net Rental Income based on the documentation in the loan file.
0000047720	XXXX	DTI	43.28 %	44.69 %	Summary: Incoming Value:43.28 Audit Value: 44.69 1008 DTI 43.28%. Audit used a more conservative figure for Net Rental Income based on the documentation in the loan file.
0000362377	XXXX	DTI	19.23 %	18.97 %	Summary: Incoming Value:19.23 Audit Value: 18.97 1008 DTI 19.226.  DTI discrepancy due to rent loss calculation and primary residence PITI payment
0000360495	XXXX	DTI	41.25 %	38.96 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000328860	XXXX	DTI	36.73 %	37.25 %	Summary: Incoming Value:36.73 Audit Value: 37.25 1008 DTI 36.73%. Audit used a more conservative figure for Net Rental Income based on the documentation in the loan file.
0000301139	XXXX	DTI	32.46 %	30.37 %	Summary: Incoming Value:32.46 Audit Value: 30.37 1008 DTI 32.46%.  Audit used a less conservative figure for Net Rental Income based on the documentation in the loan file.
0000282318	XXXX	DTI	24.71 %	25.96 %	Summary: Incoming Value:24.71 Audit Value: 25.96 1008 DTI 24.713%.  Audit used a more conservative figure for Net Rental Income based on the documentation in the loan file.
0000258947	XXXX	Property Zip	Per Tape	Per Data	Summary: Incoming value: XXXXX Audit value: Audit Value Pulled From Note
0000289743	XXXX	DTI	22.86 %	22.73 %	Summary: Incoming Value:22.86 Audit Value: 22.73 1008 DTI 22.86%. Audit used a less conservative figure for Net Rental Income based on the documentation in the loan file.
0000310039	XXXX	DTI	37.96 %	37.29 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000343147	XXXX	DTI	34.96 %	34.73 %	Summary: Incoming Value:34.96 Audit Value: 34.73 1008 DTI 34.96%. Audit used a less conservative figure for Net Rental Income based on the documentation in the loan file.
0000342747	XXXX	DTI	37.41 %	37.57 %	Summary: Incoming Value:37.41 Audit Value: 37.57 AUS DTI is 37.41%. Audit used a more conservative figure for quaifying income based on documentation in the loan file
0000355644	XXXX	DTI	40.96 %	38.26 %	Summary: Incoming Value:40.96 Audit Value: 38.26 1008 DTI 40.96%.  Audit used a less conservative figure for Net Rental Income based on the documentation in the loan file
0000380641	XXXX	DTI	13.28 %	14.65 %	Summary: Incoming Value:13.28 Audit Value: 14.65 1008 DTI 13.28% Audit used a more conservative figure for Net Rental Loss based on the documentation in the loan file.
0000045532	XXXX	DTI	35.37 %	34.38 %	Summary: Incoming Value:35.37 Audit Value: 34.38 1008 DTI 35.37%. Audit used a less conservative figure for Net Rental Income based on the documentation in the loan file.
0000045179	XXXX	DTI	38.68 %	38.99 %	Summary: Incoming Value:38.68 Audit Value: 38.99 1008 DTI 38.679% - Difference due to calculation of rental income/loss
0000045567	XXXX	DTI	48.27 %	47.75 %	Summary: Incoming Value:48.27 Audit Value: 47.75 1008 DTI 48.27%. Audit used a less conservative figure for Net Rental Income based on the documentation in the loan file.
0000374594	XXXX	CLTV	57.27 %	57.26 %	Summary: Incoming Value: 57.27 Audit Value: Audit Value of 1st + 2nd liens / Value 57.26 Discrepancy due to Rounding.
0000374594	XXXX	LTV	57.27 %	57.26 %	Summary: Incoming Value: 57.27 Audit Value: Audit Value of 1st lien / Value 57.26 Discrepancy due to Rounding.
0000384992	XXXX	DTI	42.25 %	39.24 %	Summary: Incoming Value:42.25 Audit Value: 39.24 Borrower refinanced primary residence and payment is lower. LPA shows total monthly payment of $X,XXX.XX.
0000349194	XXXX	DTI	48.12 %	47.58 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000338008	XXXX	DTI	29.53 %	29.43 %	Summary: Incoming Value:29.53 Audit Value: 29.43 1008 DTI 29.53%. Audit used a less conservative figure for Net Rental Income based on the documentation in the loan file.
0000324128	XXXX	DTI	37.91 %	38.56 %	Summary: Incoming Value:37.91 Audit Value: 38.56 Audit used $X,XXX.XX S Corp income vs. $X,XXX.XX used by the lender.
0000294271	XXXX	DTI	43.61 %	36.15 %	Summary: Incoming Value:43.61 Audit Value: 36.15 1008 DTI 43.61%.  Audit used a less conservative figure for Net Rental Income based on the documentation in the loan file.
0000294271	XXXX	Property Zip	Per Tape	Per Data	Summary: Incoming value: XXXXX Audit value: Audit Value Pulled From Note
0000276640	XXXX	DTI	46.61 %	47.28 %	Summary: Incoming Value:46.61 Audit Value: 47.28 1008 DTI 46.61%. Audit used a more conservative figure for Net Rental Income based on the documentation in the loan file.
0000274409	XXXX	DTI	42.40 %	42.86 %	Summary: Incoming Value:42.40 Audit Value: 42.86 1008 DTI 42.401%. Audit used more conservative figure for Net Rental Income based on the documentation in the loan file.
0000219554	XXXX	DTI	12.54 %	13.65 %	Summary: Incoming Value:12.54 Audit Value: 13.65 DU DTI 12.54%. Audit used more conservative figure for Net Rental Income based on the documentation in the loan file.
0000198474	XXXX	DTI	19.17 %	30.71 %	Summary: Incoming Value:19.17 Audit Value: 30.71 1008 DTI 11.677%.  Audit used same calculations as the 1008 based on the documentation in the loan file.
0000179417	XXXX	CLTV	62.84 %	62.83 %	Summary: Incoming Value: 62.84 Audit Value: Audit Value of 1st + 2nd liens / Value 62.83 Discrepancy due to Rounding.
0000179417	XXXX	DTI	48.41 %	48.00 %	Summary: Incoming Value:48.41 Audit Value: 48.00 1008 DTI 48.411% - Difference due to calculation of borrowers income and monthly liabilities based on actual documentation in the file
0000179417	XXXX	LTV	62.84 %	62.83 %	Summary: Incoming Value: 62.84 Audit Value: Audit Value of 1st lien / Value 62.83 Discrepancy due to Rounding.
0000268269	XXXX	DTI	34.01 %	21.96 %	Summary: Incoming Value:34.01 Audit Value: 21.96 1008 DTI 34.01%. Lender counted primary housing expense twice.
0000248446	XXXX	DTI	33.79 %	31.55 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000250690	XXXX	DTI	49.96 %	36.16 %	Summary: Incoming Value:49.96 Audit Value: 36.16 1008 DTI 33.68% Audit used a more conservative for Net Rental Income based on the documentation in the loan file.
0000214370	XXXX	DTI	44.21 %	43.29 %	Summary: Incoming Value:44.21 Audit Value: 43.29 1008 DTI 44.210% - DIfference due to calculation of borrower's income and calculation of rental income/loss using actual documentation
0000698970	XXXX	DTI	34.38 %	29.67 %	Summary: Incoming Value:34.38 Audit Value: 29.67 Audit used a more conservative figure for Net Rental Income based on the documentation in the loan file.
0000301711	XXXX	DTI	33.36 %	32.73 %	Summary: Incoming Value:33.36 Audit Value: 32.73 1008 DTI 33.363% - Difference due to calculation of rental income/loss
0000254109	XXXX	DTI	47.34 %	47.36 %	Summary: Incoming Value:47.34 Audit Value: 47.36 1008 DTI 47.34%. Audit used more conservative figure for the primary residence housing payment based on the documentation in the loan file.
0000376500	XXXX	DTI	44.42 %	43.46 %	Summary: Incoming Value:44.42 Audit Value: 43.46 1008 DTI is 44%  Auditor used more conservative rental income.
0000278344	XXXX	DTI	37.71 %	38.57 %	Summary: Incoming Value:37.71 Audit Value: 38.57 1008 DTI 37.705% - Difference due to calculation of rental income/loss using actual documents
0000353417	XXXX	DTI	44.90 %	44.65 %	Summary: Incoming Value:44.90 Audit Value: 44.65 DTI is due to re-calcuation of rental income
0000301969	XXXX	DTI	38.41 %	41.08 %	Summary: Incoming Value:38.41 Audit Value: 41.08 Audit used a more conservative figure for Net Rental Income based on the documentation in the loan file.
0000305683	XXXX	DTI	41.95 %	42.26 %	Summary: Incoming Value:41.95 Audit Value: 42.26 AUS DTI is 41.951%.  Audit used less conservative net rental figure based on documentation in the loan file
0000305740	XXXX	DTI	30.19 %	30.41 %	Summary: Incoming Value:30.19 Audit Value: 30.41 Audit used a more conservative figure for Net Rental Income based on the documentation in the loan file.
0000442300	XXXX	DTI	35.72 %	35.73 %	Summary: Incoming Value:35.72 Audit Value: 35.73 Discrepancy due to Rounding
0000311988	XXXX	DTI	44.04 %	44.25 %	Summary: Incoming Value:44.04 Audit Value: 44.25 Audit used -$X,XXX.XX vs. -$X,XXX.XX for REO XXXX  XXXXX  XXXX
0000406374	XXXX	DTI	34.43 %	29.05 %	Summary: Incoming Value:34.43 Audit Value: 29.05 1008 DTI 34.427% - Difference due to calculation of rental/income loss using actual documentation in file
0000406374	XXXX	Property Zip	Per Tape	Per Data	Summary: Incoming value: XXXXX Audit value: Audit Value Pulled From Note
0000236774	XXXX	DTI	45.89 %	40.63 %	Summary: Incoming Value:45.89 Audit Value: 40.63 Audit used a less conservative figure for Net Rental Income based on the documentation in the loan file.
0000236774	XXXX	Property City	Per Tape	Per Data	Summary: Incoming Value: XXXX Audit Value: Audit Value Pulled From Note
0000302736	XXXX	DTI	44.85 %	22.54 %	Summary: Incoming Value:44.85 Audit Value: 22.54 1008 DTI 44.85%; LP DTI 20% ; Audit DTI 22.54 - Difference between LP DTI an audit DTI due to calculation of PITI on primary residence and calculation of rental income/loss of REO properties
0000302736	XXXX	Property Type	Single Family Detached (non PUD)	1 Family Attached	Verified with the appraisal, subject property is an Attached Row House.  Deed of Trust reflects no PUD Rider.
0000259676	XXXX	DTI	32.87 %	32.88 %	Summary: Incoming Value:32.87 Audit Value: 32.88 Discrepancy due to Rounding
0000272807	XXXX	DTI	14.61 %	14.79 %	Summary: Incoming Value:14.61 Audit Value: 14.79 1008 DTI 14.61%. Audit included a higher 2nd home payment and a personal hazard insurance premium on the subject property based on the documentation in the loan file.
0000303004	XXXX	DTI	29.44 %	23.53 %	Summary: Incoming Value:29.44 Audit Value: 23.53 1008 DTI 29.44%. Audit used a more conservative figure for Net Rental Income based on the documentation in the loan file.
0000355394	XXXX	DTI	39.67 %	37.74 %	Summary: Incoming Value:39.67 Audit Value: 37.74 AUS DTI is 40%. Audit used a less conservative figure for net rental income based on documentation in the loan file
0000270782	XXXX	DTI	37.14 %	37.05 %	Summary: Incoming Value:37.14 Audit Value: 37.05 1008 DTI 37.14%. Audit used a less conservative figure for Net Rental Income based on the documentation in the loan file.
0000354970	XXXX	DTI	42.22 %	41.47 %	Summary: Incoming Value:42.22 Audit Value: 41.47 1008 DTI 42.217% - Difference due to calculation of rental income/loss.
0000321949	XXXX	DTI	33.98 %	35.69 %	Summary: Incoming Value:33.98 Audit Value: 35.69 Audit used a more conservative figure for Net Rental Income based on the documentation in the loan file.
0000376910	XXXX	DTI	32.82 %	31.39 %	Summary: Incoming Value:32.82 Audit Value: 31.39 OREO income slightly more than what lender used to qualify.
0000332450	XXXX	DTI	43.30 %	43.36 %	Summary: Incoming Value:43.30 Audit Value: 43.36 1008 DTI is 43.30% - Difference due to calculation on rental income/loss DTI within 3% DU/LP tolerance
0000318642	XXXX	DTI	18.46 %	18.80 %	Summary: Incoming Value:18.46 Audit Value: 18.80 1008 DTI is 18.464%. Audit used a less conservative rental income figure based on the documentation in the loan file
0000378683	XXXX	DTI	38.50 %	38.58 %	Summary: Incoming Value:38.50 Audit Value: 38.58 Audit used a more conservative figure for Net Rental Income based on the documentation in the loan file.
0000040348	XXXX	DTI	41.73 %	27.66 %	Summary: Incoming Value:41.73 Audit Value: 27.66 1008 DTI 41.73%.  Audit used a less conservative figure for the primary residence payment based on the documentation in the loan file.
0000044584	XXXX	DTI	49.97 %	44.17 %	Summary: Incoming Value:49.97 Audit Value: 44.17 1008 DTI 49.966% - Difference due to calculation of rental i ncome/loss
0000053056	XXXX	DTI	40.07 %	33.22 %	Summary: Incoming Value:40.07 Audit Value: 33.22 1008 DTI 40.07%. Audit used a less conservative figure for Net Rental Income based on the documentation in the loan file.
0000054130	XXXX	DTI	38.41 %	38.00 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000426292	XXXX	CLTV	52.56 %	52.55 %	Summary: Incoming Value: 52.56 Audit Value: Audit Value of 1st + 2nd liens / Value 52.55 Discrepancy due to Rounding.
0000426292	XXXX	LTV	52.56 %	52.55 %	Summary: Incoming Value: 52.56 Audit Value: Audit Value of 1st lien / Value 52.55 Discrepancy due to Rounding.
0000359896	XXXX	DTI	48.05 %	44.43 %	Summary: Incoming Value:48.05 Audit Value: 44.43 1008 DTI 48.045% - Difference due to Lenders calculation of rental income/loss. Audit used Schedule E and actual documentation in file
0000363341	XXXX	DTI	40.35 %	39.45 %	Summary: Incoming Value:40.35 Audit Value: 39.45 Audit DTI different due to OREO income
0000262070	XXXX	DTI	22.47 %	17.26 %	Summary: Incoming Value:22.47 Audit Value: 17.26 AUS DTI 16.84%.   Audit used a more conservative figure for Net Rental Income based on the documentation in the loan file.
0000273386	XXXX	DTI	28.20 %	29.34 %	Summary: Incoming Value:28.20 Audit Value: 29.34 Audit used a more conservative figure for XXXX and XXXX
0000292835	XXXX	DTI	24.13 %	17.86 %	Summary: Incoming Value:24.13 Audit Value: 17.86 1008 DTI 24.132% - Difference due to calculation of PITI on primary residence, calculation of liabilities and calculation of rental income/loss
0000437670	XXXX	DTI	26.09 %	25.93 %	Summary: Incoming Value:26.09 Audit Value: 25.93 AUS DTI is 26.09%. Audti used a less conservative figure for net rental income based on documentation in the loan file.
0000330115	XXXX	DTI	41.29 %	40.98 %	Summary: Incoming Value:41.29 Audit Value: 40.98 1008 DTI 41.29%.   Audit used a less conservative figure for Net Rental Income based on the documentation in the loan file
0000335666	XXXX	DTI	33.74 %	34.50 %	Summary: Incoming Value:33.74 Audit Value: 34.50 Audit used a more conservative figure for Net Rental Income based on the documentation in the loan file.
0000370630	XXXX	CLTV	58.82 %	58.81 %	Summary: Incoming Value: 58.82 Audit Value: Audit Value of 1st + 2nd liens / Value 58.81 Discrepancy due to Rounding.
0000370630	XXXX	DTI	49.33 %	48.72 %	Summary: Incoming Value:49.33 Audit Value: 48.72 1008 DTI 49.33%. Audit used a less conservative figure for Net Rental Income based on the documentation in the loan file.
0000370630	XXXX	LTV	58.82 %	58.81 %	Summary: Incoming Value: 58.82 Audit Value: Audit Value of 1st lien / Value 58.81 Discrepancy due to Rounding.
0000324253	XXXX	DTI	45.50 %	44.66 %	Summary: Incoming Value:45.50 Audit Value: 44.66 Audit DTI slightly different due to OREO income.
0000241550	XXXX	DTI	38.95 %	38.71 %	Summary: Incoming Value:38.95 Audit Value: 38.71 1008 DTI 38.95%.  Lender used more conservative figure for net rental income based on the documentation in the loan file.
0000248752	XXXX	DTI	37.67 %	34.77 %	Summary: Incoming Value:37.67 Audit Value: 34.77 1008 DTI 37.67%.  Audit used a lower monthly PITI payment for the non-subject REO property per the documentation in the loan file.
0000139577	XXXX	DTI	29.31 %	30.17 %	Summary: Incoming Value:29.31 Audit Value: 30.17 Audit used a more conservative figure for Net Rental Income based on the documentation in the loan file.
0000180385	XXXX	DTI	44.25 %	36.81 %	Summary: Incoming Value:44.25 Audit Value: 36.81 1008 DTI 44.25%.   Audit used Net Rental Income based on the documentation in the loan file.
0000299432	XXXX	DTI	44.54 %	44.78 %	Summary: Incoming Value:44.54 Audit Value: 44.78 Audit DTI discrepancy due to OREO income.
0000299432	XXXX	Property Zip	Per Tape	Per Data	Summary: Incoming value: XXXXX Audit value: Audit Value Pulled From Note
0000352922	XXXX	DTI	16.81 %	13.87 %	Summary: Incoming Value:16.81 Audit Value: 13.87 11008 DTI 16.810% - Difference due to calculation of rental income/loss in 28 properties using actual documentation in file
0000338457	XXXX	DTI	45.05 %	43.57 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000372135	XXXX	DTI	38.01 %	36.97 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000332054	XXXX	DTI	11.75 %	12.01 %	Summary: Incoming Value:11.75 Audit Value: 12.01 1008 DTI 11.75%.   Audit used a more conservative figure for the primary housing payment based on the documentation in the loan file.
0000210332	XXXX	DTI	46.41 %	42.07 %	Summary: Incoming Value:46.41 Audit Value: 42.07 1008 DTI 46.406%. Audit used figures from credit report in the loan file.
0000371972	XXXX	DTI	39.79 %	40.97 %	Summary: Incoming Value:39.79 Audit Value: 40.97 Audit used a more conservative figure for Net Rental Income based on the documentation in the loan file.
0000240334	XXXX	CLTV	14.87 %	14.86 %	Summary: Incoming Value: 14.87 Audit Value: Audit Value of 1st + 2nd liens / Value 14.86 Discrepancy due to Rounding.
0000240334	XXXX	LTV	14.87 %	14.86 %	Summary: Incoming Value: 14.87 Audit Value: Audit Value of 1st lien / Value 14.86 Discrepancy due to Rounding.
0000376804	XXXX	DTI	49.11 %	47.20 %	Summary: Incoming Value:49.11 Audit Value: 47.20 1008 DTI 49.106% Difference due to calculationof rental income/loss using actual documents in the file
0000254103	XXXX	DTI	40.57 %	41.81 %	Summary: Incoming Value:40.57 Audit Value: 41.81 1008 DTI 40.57%.   Audit used a less conservative figure for Net Rental Income and a more conservative figure for the primary housing payment based on the documentation in the loan file.
0000274635	XXXX	DTI	36.44 %	36.38 %	Summary: Incoming Value:36.44 Audit Value: 36.38 1008 DTI 36.444%.  Lender used less conservative figure for other debts found in the loan file.
0000224179	XXXX	DTI	34.70 %	35.18 %	Summary: Incoming Value:34.70 Audit Value: 35.18 1008 DTI 34.724%. Audit used a less conservative figure for the primary residence based on the documentation in the loan file.
0000224179	XXXX	Property Type	PUD (Only for use with Single Family Detached Homes with PUD riders)	dPUD (PUD with de minimus monthly HOA dues)	Summary: Incoming Value: PUD (Only for use with Single Family Detached Homes with PUD riders) Audit Value: Audit Value Pulled From Appraisal
0000331898	XXXX	DTI	43.27 %	43.38 %	Summary: Incoming Value:43.27 Audit Value: 43.38 AUS DTI 43%.  Audit used a more conservative figure for consumer debts based on documentation in the loan file.
0000239936	XXXX	DTI	32.84 %	33.76 %	Summary: Incoming Value:32.84 Audit Value: 33.76 1008 DTI 32.18%.  Audit used a more conservative figure for Net Rental Income based on the documentation in the loan file.
0000344226	XXXX	DTI	44.23 %	43.83 %	Summary: Incoming Value:44.23 Audit Value: 43.83 1008 DTI 44.23%. Audit used a less conservative figure for Net Rental Income based on the documentation in the loan file.
0000249863	XXXX	DTI	33.49 %	32.95 %	Summary: Incoming Value:33.49 Audit Value: 32.95 1008 DTI 33.492% - Difference due to calculation of rental income/loss
0000255099	XXXX	DTI	38.88 %	36.25 %	Summary: Incoming Value:38.88 Audit Value: 36.25 1008 DTI 38.176% - Difference due to calculation of rental income/loss
0000259664	XXXX	DTI	23.45 %	20.74 %	Summary: Incoming Value:23.45 Audit Value: 20.74 1008 DTI of 23.45%. Audit used a less conservative figure for Net Rental Income based on the documentation in the loan file.
0000202556	XXXX	DTI	46.87 %	41.97 %	Summary: Incoming Value:46.87 Audit Value: 41.97 Audit DTI different due to OREO income.
0000015674	XXXX	DTI	39.99 %	40.17 %	Summary: Incoming Value:39.99 Audit Value: 40.17 AUS DTI is 40%. Audit used a more conservative figure for net rental income based on documentation in the loan file.
0000032363	XXXX	DTI	46.03 %	38.51 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000157132	XXXX	DTI	40.28 %	39.45 %	Summary: Incoming Value:40.28 Audit Value: 39.45 1008 DTI 40.28%.  Audit used a less conservative figure for Net Rental Income based on the documentation in the loan file.
0000320101	XXXX	Appraisal Value	Per Tape	Per Data	Summary: Incoming Value: $X,XXX.XX Audit Value: Audit Value Pulled From Appraisal.
0000320101	XXXX	DTI	49.76 %	47.35 %	Summary: Incoming Value:49.76 Audit Value: 47.35 1008 DTI 49.756%.  Discrepancy due to debt calculations.
0000320101	XXXX	Property Zip	Per Tape	Per Data	Summary: Incoming value: XXXXX Audit value: Audit Value Pulled From Note
0000360186	XXXX	DTI	32.01 %	27.02 %	Summary: Incoming Value:32.01 Audit Value: 27.02 Audit used a less conservative figure for Net Rental Income based on the documentation in the loan file.
0000355690	XXXX	DTI	46.05 %	40.00 %	Summary: Incoming Value:46.05 Audit Value: 40.00 1008 DTI 46.05%. Audit used a less conservative figure for Net Rental Income based on the documentation in the loan file.
0000243591	XXXX	DTI	40.36 %	40.80 %	Summary: Incoming Value:40.36 Audit Value: 40.80 1008 DTI 40.36% - Slight difference due to calculation of rental income/loss
0000250404	XXXX	DTI	11.98 %	11.27 %	Summary: Incoming Value:11.98 Audit Value: 11.27 AUS DTI is 11.00%. Audit used a more conservative figure for qualifying income based on documentation in the loan file
0000254302	XXXX	DTI	49.83 %	47.31 %	Summary: Incoming Value:49.83 Audit Value: 47.31 1008 DTI 49.832% - Difference due to calculation of rental income/loss
0000321323	XXXX	DTI	45.75 %	45.89 %	Summary: Incoming Value:45.75 Audit Value: 45.89 1008 DTI 45.747% - Slight difference due to calculation of rental income/loss
0000323604	XXXX	DTI	22.51 %	23.39 %	Summary: Incoming Value:22.51 Audit Value: 23.39 Audit used a more conservative figure for Net Rental Income based on the documentation in the loan file.
0000320605	XXXX	DTI	29.27 %	28.47 %	Summary: Incoming Value:29.27 Audit Value: 28.47 Audit used a more conservative figure for Net Rental Income based on the documentation in the loan file.
0000323767	XXXX	DTI	41.17 %	41.65 %	Summary: Incoming Value:37.91 Audit Value: 41.65 Audit used $X,XXX.XX S Corp income vs. $X,XXX.XX used by the lender.
0000306197	XXXX	DTI	36.96 %	31.06 %	Summary: Incoming Value:36.96 Audit Value: 31.06 1008 DTI 36.96%. Audit used a primary housing payment of $X,XXX.XX per month. The Lender double counted the taxes and insurance.
0000302800	XXXX	DTI	44.31 %	43.21 %	Summary: Incoming Value:44.31 Audit Value: 43.21 1008 DTI 44.307%.  Audit used a more conservative rental income figure based on the documentation in the loan file.
0000446260	XXXX	DTI	28.40 %	25.66 %	Summary: Incoming Value:28.40 Audit Value: 25.66 Audited DTI is lower by 1.34% due to REO calculation.
0000251856	XXXX	DTI	42.74 %	41.91 %	Summary: Incoming Value:42.74 Audit Value: 41.91 1008 DTI 42.74%. Audit used a more conservative figure for Net Rental Income based on the documentation in the loan file.
0000264824	XXXX	DTI	23.85 %	16.72 %	Summary: Incoming Value:23.85 Audit Value: 16.72 1008 DTI 23.850% - Difference due to Lender included an additional $2693.94 om DTI calculation; file does not contain documentation to support.
0000067888	XXXX	DTI	35.41 %	29.14 %	Summary: Incoming Value:35.41 Audit Value: 29.14 Audit used a less conservative figure for Net Rental Income based on the documentation in the loan file.
0000323043	XXXX	DTI	26.99 %	26.91 %	Summary: Incoming Value:26.99 Audit Value: 26.91 1008 DTI 27.0% - Difference due to calculation of rental income/loss
0000316202	XXXX	DTI	33.63 %	33.62 %	Summary: Incoming Value:33.63 Audit Value: 33.62 Discrepancy due to Rounding
0000046752	XXXX	DTI	41.65 %	43.69 %	Summary: Incoming Value:41.65 Audit Value: 43.69 Variance is with subject REO calculation.
0000352425	XXXX	DTI	17.78 %	23.34 %	Summary: Incoming Value:17.78 Audit Value: 23.34 Subject net rental of $X,XXX.XX/month LP vs. negative $X,XXX.XX audit
0000044916	XXXX	CLTV	69.36 %	69.35 %	Summary: Incoming Value: 69.36 Audit Value: Audit Value of 1st + 2nd liens / Value 69.35 Discrepancy due to Rounding.
0000044916	XXXX	DTI	37.26 %	36.61 %	Summary: Incoming Value:37.26 Audit Value: 36.61 Audit DTI different OREO income.
0000044916	XXXX	LTV	69.36 %	69.35 %	Summary: Incoming Value: 69.36 Audit Value: Audit Value of 1st lien / Value 69.35 Discrepancy due to Rounding.
0000306961	XXXX	DTI	39.14 %	38.84 %	Summary: Incoming Value:39.14 Audit Value: 38.84 1008 DTI of 39.14%.  Audit used a less conservative figure for mortgage debt payments based on the documentation in the loan file.
0000410776	XXXX	DTI	45.22 %	41.01 %	Summary: Incoming Value:45.22 Audit Value: 41.01 1008 DTI 45.22%. Audit used a less conservative figure for Net Rental Income based on the documentation in the loan file.
0000060846	XXXX	Property Zip	Per Tape	Per Data	Summary: Incoming value: XXXXX Audit value: Audit Value Pulled From Note
0000286566	XXXX	DTI	48.55 %	45.92 %	Summary: Incoming Value:48.55 Audit Value: 45.92 1008 DTI is 48.55% Audit used documents in loan file.
0000298389	XXXX	DTI	42.28 %	42.29 %	Summary: Incoming Value:42.28 Audit Value: 42.29 Discrepancy due to Rounding
0000313817	XXXX	DTI	41.56 %	39.95 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000349250	XXXX	DTI	35.93 %	37.43 %	Summary: Incoming Value:35.93 Audit Value: 37.43 1008 DTI is 35.929% Auditor used more conservative primary housing payment.
0000349250	XXXX	Property Zip	Per Tape	Per Data	Summary: Incoming value: XXXXX Audit value: Audit Value Pulled From Note
0000428084	XXXX	DTI	24.89 %	24.26 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000049056	XXXX	DTI	39.88 %	41.09 %	Summary: Incoming Value:39.88 Audit Value: 41.09 1008 DTI 39.876% vs Audit 41.09% Audit used a more conservative figure for Net Rental Income based on the documentation in the loan file.
0000044206	XXXX	DTI	48.13 %	44.23 %	Summary: Incoming Value:48.13 Audit Value: 44.23 1008 DTI 48.42%.   Audit used a less conservative figure for the primary residence payment based on the documentation in the loan file.
0000044206	XXXX	Property Zip	Per Tape	Per Data	Summary: Incoming value: XXXXX Audit value: Audit Value Pulled From Note
0000434666	XXXX	DTI	39.72 %	39.53 %	Summary: Incoming Value:39.72 Audit Value: 39.53 1008 DTI 39.718%.  Audit used a less conservative rental income figure based on documentation in the loan file
0000036573	XXXX	DTI	37.07 %	37.09 %	Summary: Incoming Value:37.07 Audit Value: 37.09 1008 DTI 37.07%. Audit used more conservative figure for Rental Income based on the documentation in the loan file.
0000035828	XXXX	DTI	32.44 %	31.64 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000310811	XXXX	DTI	6.88 %	22.81 %	Summary: Incoming Value:6.88 Audit Value: 22.81 Audit used $X,XXX.XX for income and $X,XXX.XX for expenses.   Lender used $X,XXX.XX for income and $X,XXX.XX for expenses.   Income variance is due to REO net rental income.
0000306451	XXXX	DTI	6.88 %	7.76 %	Summary: Incoming Value:6.88 Audit Value: 7.76 1008 DTI 6.879%.  Audit used a less conservative figure for Net Rental Income based on the documentation in the loan file
0000177851	XXXX	DTI	32.04 %	33.54 %	Summary: Incoming Value:32.04 Audit Value: 33.54 1008 DTI 32.039%.  Audit used more conservative net rental income figure based on the documentation in the loan file.
0000258383	XXXX	DTI	35.62 %	30.88 %	Summary: Incoming Value:35.62 Audit Value: 30.88 1008 DTI 35.61%.   Audit used a less conservative figure for Net Rental Income based on the documentation in the loan file.
0000407322	XXXX	DTI	43.91 %	43.39 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000271124	XXXX	DTI	50.20 %	45.50 %	Summary: Incoming Value:50.20 Audit Value: 45.50 Audit DTI different due to OREO income.
0000272233	XXXX	DTI	30.45 %	26.83 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000096096	XXXX	DTI	38.43 %	39.99 %	Summary: Incoming Value:38.43 Audit Value: 39.99 Audit used $X,XXX.XX vs. $X,XXX.XX rental income for subject property.  Audit used -$X,XXX.XX vs. No entry for XXXX XXXX XXXX.  Audit used $X,XXX.XX vs. -$X,XXX.XX for XXXX XXXX XXXX XXXX.
0000096998	XXXX	DTI	40.02 %	39.75 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000356942	XXXX	DTI	33.30 %	33.72 %	Summary: Incoming Value:33.30 Audit Value: 33.72 Audit used -$X,XXX.XX vs. -$X,XXX.XX for REO XXXX XXXX XXXX.  Audit used $X,XXX.XX vs. $X,XXX.XX for the primary residence.
0000042698	XXXX	DTI	20.18 %	20.52 %	Summary: Incoming Value:20.18 Audit Value: 20.52 Audit used $X,XXX.XX vs. $X,XXX.XX for the primary residence.
0000038639	XXXX	DTI	34.84 %	31.23 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000247560	XXXX	DTI	39.70 %	38.97 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000277013	XXXX	DTI	36.10 %	36.40 %	Summary: Incoming Value:36.10 Audit Value: 36.40 Audit used $X,XXX.XX vs. $X,XXX.XX for the primary residence.  Audit used -$X,XXX.XX vs. -$X,XXX.XX for REO XXXX XXXX XXXX.
0000462831	XXXX	CLTV	48.33 %	48.32 %	Summary: Incoming Value: 48.33 Audit Value: Audit Value of 1st + 2nd liens / Value 48.32 Discrepancy due to Rounding.
0000462831	XXXX	DTI	49.49 %	41.86 %	Summary: Incoming Value:49.49 Audit Value: 41.86 1008 DTI 49.489% - Slight difference due to due calculation of rental income/loss
0000462831	XXXX	LTV	48.33 %	48.32 %	Summary: Incoming Value: 48.33 Audit Value: Audit Value of 1st lien / Value 48.32 Discrepancy due to Rounding.
0000131955	XXXX	DTI	34.14 %	32.47 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000052087	XXXX	DTI	48.42 %	47.31 %	Summary: Incoming Value:48.42 Audit Value: 47.31 1008 DTI 48.42%.  Audit used a less conservative figure for Net Rental Income based on the documentation in the loan file.
0000052671	XXXX	DTI	41.96 %	36.57 %	Summary: Incoming Value:41.96 Audit Value: 36.57 1008 DTI 41.96%.  Audit used a less conservative figure for Net Rental Income based on the documentation in the loan file.
0000041879	XXXX	DTI	36.97 %	35.03 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000041757	XXXX	DTI	39.27 %	38.57 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000046943	XXXX	DTI	23.83 %	24.53 %	Summary: Incoming Value:23.83 Audit Value: 24.53 AUS DTI is 24% Auditor used more conservative net rental income.
0000034172	XXXX	DTI	48.26 %	47.68 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000024582	XXXX	DTI	24.57 %	24.22 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000429450	XXXX	DTI	36.78	37.23 %	Summary: Incoming Value: 36.78 Audit Value: 37.23 1008 DTI 36.787%. The variance is due to rental income for the borrower on the subject property and the 2nd home.
0000334906	XXXX	DTI	39.78 %	40.07 %	Summary: Incoming Value:39.78 Audit Value: 40.07 Audit used $X,XXX.XX vs. $X,XXX.XX net rental income for the subject property
0000190557	XXXX	DTI	48.32 %	42.64 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000069560	XXXX	DTI	43.51 %	43.45 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000251447	XXXX	CLTV	45.46 %	45.45 %	Summary: Incoming Value: 45.46 Audit Value: Audit Value of 1st + 2nd liens / Value 45.45 Discrepancy due to Rounding.
0000251447	XXXX	DTI	7.75 %	30.53 %	Summary: Incoming Value:7.75 Audit Value: 30.53 AUS DTI is 8%. Variance due to primary housing payment.
0000251447	XXXX	LTV	45.46 %	45.45 %	Summary: Incoming Value: 45.46 Audit Value: Audit Value of 1st lien / Value 45.45 Discrepancy due to Rounding.
0000251394	XXXX	DTI	48.27 %	43.86 %	Summary: Incoming Value:48.27 Audit Value: 43.86 1008 DTI 48.27%. Lender included a higher primary residence housing payment due to double counting taxes and insurance which were escrowed. In addition, the rental income was lower than the Lender's calculation based on the documentation in the loan file.
0000298484	XXXX	DTI	21.08%	12.37 %	Summary: Incoming Value:156.80 Audit Value: 12.37 LP DTI 21%.  1008 DTI 21.084%.  Audit used $X,XXX.XX vs. $X,XXX.XX for the subject net rental income.
0000396609	XXXX	DTI	21.85 %	21.86 %	Summary: Incoming Value:21.85 Audit Value: 21.86 Discrepancy due to Rounding
0000289121	XXXX	DTI	25.28 %	24.54 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000287991	XXXX	DTI	42.46 %	32.05 %	Summary: Incoming Value:42.46 Audit Value: 32.05 Lender used debt of $X,XXX.XX and Audit total debts are $X,XXX.XX.  Lender used income of $X,XXX.XX and Audit used $X,XXX.XX ($X,XXX.XX + subject positive net rent $X,XXX.XX + Positive cash flow from Other REOs $X,XXX.XX.)
0000409326	XXXX	DTI	31.51 %	25.59 %	Summary: Incoming Value:31.51 Audit Value: 25.59 Lender used $X,XXX.XX for negative net rental income. Audit determined $X,XXX.XX for negative net rental income.
0000318213	XXXX	DTI	18.30 %	18.20 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000386754	XXXX	Borrower Self Employed	No	Yes	Per documentation in the loan file, the borrower is not self-employed or a wage earner.  Income derived from interest/dividends, IRA Distributions.  Ownership in S Corp is 14%.
0000386754	XXXX	DTI	48.05 %	46.21 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000275488	XXXX	DTI	34.26 %	34.06 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000294410	XXXX	DTI	46.78 %	46.33 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000217005	XXXX	DTI	37.07 %	36.96 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000182261	XXXX	Property Type	Condo Low Rise (4 or fewer stories)	Condo High Rise (5+ stories)	Appraisal reflects subject is a 5 story condominium.
0000244728	XXXX	DTI	31.70 %	31.39 %	Summary: Incoming Value:31.70 Audit Value: 31.39 1008 DTI 31.697%.  The Audit DTI of 31.39%. Variance is due to the amount of the rental income on the subject property.
0000331450	XXXX	DTI	44.75 %	44.90 %	Summary: Incoming Value:44.75 Audit Value: 44.90 Audit used $X,XXX.XX for income and $X,XXX.XX for expenses.   Lender used $X,XXX.XX for income and $X,XXX.XX for expenses.   Income/debt variance is due to audit calculating a $X,XXX.XX positive cash flow from the subject whereas the lender calculated a negative cash flow of $X,XXX.XX.
0000332899	XXXX	DTI	33.10 %	30.95 %	Summary: Incoming Value:33.10 Audit Value: 30.95 1008 DTI 33.101%.  The Audit DTI of 30.95%.  The variance is due to the primary home total payment was not verified and missing propert taxes and insurance.  Everything else is a match.
0000020419	XXXX	DTI	43.31 %	42.96 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000054241	XXXX	DTI	28.74 %	28.78 %	Summary: Incoming Value:28.74 Audit Value: 28.78 Audit used $X,XXX.XX total income vs. $X,XXX.XX reflected on AUS.  Audit used -$X,XXX.XX vs. -$X,XXX.XX losses for REO XXXX XXXX XXXX.
0000271329	XXXX	Property Zip	Per Tape	Per Data	Summary: Incoming value: XXXXX Audit value: Audit Value Pulled From Note
0000441966	XXXX	CLTV	35.36 %	35.35 %	Summary: Incoming Value: 35.36 Audit Value: Audit Value of 1st + 2nd liens / Value 35.35 Discrepancy due to Rounding.
0000441966	XXXX	DTI	47.74 %	48.12 %	Summary: Incoming Value:47.74 Audit Value: 48.12 DTI discrepancy due to income calculation.
0000441966	XXXX	LTV	35.36 %	35.35 %	Summary: Incoming Value: 35.36 Audit Value: Audit Value of 1st lien / Value 35.35 Discrepancy due to Rounding.
0000441966	XXXX	Property Zip	Per Tape	Per Data	Summary: Incoming value: XXXXX Audit value: Audit Value Pulled From Note
0000426457	XXXX	DTI	36.05 %	36.07 %	Summary: Incoming Value:36.05 Audit Value: 36.07 1008 DTI 36.046%.  Audit used a moreconservative figure for Net Rental Income based on the documentation in the loan file.
0000427083	XXXX	DTI	35.88 %	35.87 %	Summary: Incoming Value:35.88 Audit Value: 35.87 Discrepancy due to Rounding
0000049198	XXXX	DTI	47.26 %	47.07 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000040743	XXXX	DTI	27.01 %	27.31 %	Summary: Incoming Value:27.01 Audit Value: 27.31 Discrepancy due to audit's calculation of primary residence and additional REOs vs the lender's calculation of primary residence
0000040743	XXXX	Property Zip	Per Tape	Per Data	Summary: Incoming value: XXXXX Audit value: Audit Value Pulled From Note
0000306071	XXXX	DTI	41.82 %	41.83 %	Summary: Incoming Value:41.82 Audit Value: 41.83 Discrepancy due to Rounding
0000250448	XXXX	DTI	46.85 %	46.60 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000275884	XXXX	CLTV	33.07 %	33.06 %	Summary: Incoming Value: 33.07 Audit Value: Audit Value of 1st + 2nd liens / Value 33.06 Discrepancy due to Rounding.
0000275884	XXXX	DTI	46.61 %	38.41 %	Summary: Incoming Value:46.61 Audit Value: 38.41 Audit used X,XXX.XX vs. $X,XXX.XX for the primary residence payment.
0000275884	XXXX	LTV	33.07 %	33.06 %	Summary: Incoming Value: 33.07 Audit Value: Audit Value of 1st lien / Value 0.00 Discrepancy due to Rounding.
0000286410	XXXX	DTI	31.17 %	31.23 %	Summary: Incoming Value:31.17 Audit Value: 31.23 Audit used $X,XXX.XX rental income vs. $X,XXX.XX used by the lender.
0000311894	XXXX	DTI	45.49 %	45.90 %	Summary: Incoming Value:45.49 Audit Value: 45.90 Discrepancy due to audit's calculation of income/debt/additional REOs vs the lender's calculations.
0000311894	XXXX	Property Type	Condo Low Rise (4 or fewer stories)	Condo High Rise (5+ stories)	Verified with the appraisal.  The subject building is 17 stories.
0000363674	XXXX	DTI	45.19 %	44.80 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000370568	XXXX	DTI	42.72 %	35.15 %	Summary: Incoming Value:42.72 Audit Value: 35.15 Audit used $X,XXX.XX vs. $X,XXX.XX for the primary residence.
0000383642	XXXX	DTI	44.57 %	42.39 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000398380	XXXX	DTI	46.06 %	46.11 %	Summary: Incoming Value:46.06 Audit Value: 46.11 Audit used $X,XXX.XX for income and $X,XXX.XX for expenses.   Lender used $X,XXX.XX for income and $X,XXX.XX for expenses.
0000404552	XXXX	DTI	26.77 %	26.36 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000404785	XXXX	DTI	28.30 %	26.24 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000408931	XXXX	DTI	29.29 %	26.44 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000427912	XXXX	DTI	44.26 %	44.30 %	Summary: Incoming Value:44.26 Audit Value: 44.30 Lender used total debts of $X,XXX.XX.  Audit review used $X,XXX.XX. A variance of $X,XXX.XX.
0000430479	XXXX	DTI	48.89 %	45.36 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000432239	XXXX	DTI	34.21 %	34.94 %	Summary: Incoming Value:34.21 Audit Value: 34.94 Lender used $X,XXX.XX positive cash flow for other REOs.  Auditor used $X,XXX.XX for the positive cash flow.
0000436243	XXXX	DTI	28.27 %	23.20 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000436469	XXXX	DTI	30.00 %	34.32 %	Summary: Incoming Value:30.00 Audit Value: 34.32 Lender included -$X,XXX.XX as net rent loss for all “Other REOs.”  Audit calculated -$X,XXX.XX as net rent loss for all “Other REOs.”
0000439428	XXXX	DTI	49.10 %	39.40 %	Summary: Incoming Value:49.10 Audit Value: 39.40 Audit used $X,XXX.XX for income and $X,XXX.XX for expenses.   Lender used $X,XXX.XX for income and $X,XXX.XX for expenses.
0000441522	XXXX	DTI	20.15 %	25.76 %	Summary: Incoming Value:20.15 Audit Value: 25.76 Lender used rental income of $X,XXX.XX for XXXX XXXX XXXX.  Audit determined actual Schedule E income for this property is $X,XXX.XX.
0000441522	XXXX	Property Zip	Per Tape	Per Data	Summary: Incoming value: XXXXX Audit value: Audit Value Pulled From Note
0000441981	XXXX	DTI	38.76 %	39.04 %	Summary: Incoming Value:38.76 Audit Value: 39.04 Lender used commission income of $X,XXX.XX.  Audit review used $X,XXX.XX.
0000442170	XXXX	DTI	42.71 %	44.16 %	Summary: Incoming Value:42.71 Audit Value: 44.16 Lender used income of $X,XXX.XX.  Audit review used $X,XXX.XX.
0000444696	XXXX	DTI	42.23 %	42.75 %	Summary: Incoming Value:42.23 Audit Value: 42.75 Audit used $X,XXX.XX for income and $X,XXX.XX for expenses.   Lender used $X,XXX.XX for income and $X,XXX.XX for expenses.
0000446219	XXXX	DTI	47.95 %	48.31 %	Summary: Incoming Value:47.95 Audit Value: 48.31 Lender used total debts of $X,XXX.XX.  Audit review used $X,XXX.XX.  A variance of $X,XXX.XX
0000460222	XXXX	DTI	43.63 %	43.02 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000463034	XXXX	DTI	49.54 %	32.14 %	Summary: Incoming Value:49.54 Audit Value: 32.14 Discrepancy due to borrower's addiitonal REO calculations and debt calculation vs the lender's calculations.
0000463470	XXXX	DTI	34.64 %	33.18 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000465807	XXXX	DTI	46.00 %	40.90 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000470164	XXXX	DTI	19.31 %	19.37 %	Summary: Incoming Value:19.31 Audit Value: 19.37 Lender used positive net rental income of $X,XXX.XX.  Audit used $X,XXX.XX.  Lender used total debts of $X,XXX.XX.  Audit review used $X,XXX.XX.
0000470164	XXXX	Property Zip	Per Tape	Per Data	Summary: Incoming value: XXXXX Audit value: Audit Value Pulled From Note
0000473765	XXXX	DTI	20.08 %	22.85 %	Summary: Incoming Value:20.08 Audit Value: 22.85 Lender used total debts of $X,XXX.XX.  Audit review used $X,XXX.XX. Lender used subject XXX of $X,XXX.XX versus audit of $X,XXX.XX.  Lender used subject negative net cash flow of $X,XXX.XX versus audit of $X,XXX.XX.
0000474012	XXXX	DTI	44.08 %	42.54 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000475066	XXXX	DTI	43.72 %	43.73 %	Summary: Incoming Value:43.72 Audit Value: 43.73 Discrepancy due to Rounding
0000480447	XXXX	DTI	32.65 %	33.40 %	Summary: Incoming Value:32.65 Audit Value: 33.40 Lender used positive net rental income of $X,XXX.XX.  Audit used $X,XXX.XX.
0000482888	XXXX	DTI	48.64 %	48.63 %	Summary: Incoming Value:48.64 Audit Value: 48.63 Discrepancy due to Rounding
0000486834	XXXX	DTI	33.51 %	33.17 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000489790	XXXX	DTI	33.40 %	33.57 %	Summary: Incoming Value:33.40 Audit Value: 33.57 Lender used income of $X,XXX.XX.  Audit used $X,XXX.XX.  Lender used total debts of $X,XXX.XX versus $X,XXX.XX.
0000500865	XXXX	DTI	38.12 %	38.00 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000500906	XXXX	DTI	27.70 %	27.28 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000501846	XXXX	DTI	47.99 %	49.24 %	Summary: Incoming Value:47.99 Audit Value: 49.24 Lender used total debts of $X,XXX.XX.  Audit review used $X,XXX.XX. A variance of $X,XXX.XX.
0000505228	XXXX	DTI	43.81 %	18.18 %	Summary: Incoming Value:43.81 Audit Value: 18.18 DU approval in file dated XX/XX/XXXX approved a DTI of 16.55%.  Audit review determined a DTI of 18.18%.  Discrepancy is due to Audit calculation of negative cash flow for the subject of $X,XXX.XX plus an additional $X,XXX.XX of consumer debt.  Total lender debt was $X,XXX.XX with Audit debt totaling $X,XXX.XX.
0000511939	XXXX	DTI	23.89 %	23.73 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000514371	XXXX	DTI	46.57 %	46.58 %	Summary: Incoming Value:46.57 Audit Value: 46.58 Discrepancy due to Rounding
0000519176	XXXX	DTI	27.00 %	26.47 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000519350	XXXX	DTI	39.52 %	28.26 %	Summary: Incoming Value:39.52 Audit Value: 28.26 Audit used $X,XXX.XX for income and $X,XXX.XX for expenses.   Lender used $X,XXX.XX for income and debts used by the lender to obtain a DTI of 39.52%.  The 1008 reflects this DTI but with total debts of $X,XXX.XX which exceeds the income.  Audit debts consist of primary residence payment of $X,XXX.XX, consumer debt of $X,XXX.XX and second home PITI of $X,XXX.XX.  The LP in file reflects a DTI of 27%.
0000519590	XXXX	DTI	43.14 %	41.48 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000519590	XXXX	Property Zip	Per Tape	Per Data	Summary: Incoming value: XXXXX Audit value: Audit Value Pulled From Note
0000521711	XXXX	DTI	39.57 %	42.12 %	Summary: Incoming Value:39.57 Audit Value: 42.12 Lender used total debts of $X,XXX.XX.  Audit review used $X,XXX.XX. A variance of $X,XXX.XX due to a difference of total of primary housing payments for all three borrowers (Lender $X,XXX.XX vs. Audit $X,XXX.XX.)
0000525766	XXXX	DTI	38.43 %	38.44 %	Summary: Incoming Value:38.43 Audit Value: 38.44 Discrepancy due to Rounding
0000530846	XXXX	DTI	43.44 %	43.50 %	Summary: Incoming Value:43.44 Audit Value: 43.50 Lender used debt of $X,XXX.XX and Audit totals debts are $X,XXX.XX.  Lender positive subject rental income was $X,XXX.XX, while the Audit income used was $X,XXX.XX.
0000530846	XXXX	Property Zip	Per Tape	Per Data	Summary: Incoming value: XXXXX Audit value: Audit Value Pulled From Note
0000531183	XXXX	DTI	35.39 %	35.60 %	Summary: Incoming Value:35.39 Audit Value: 35.60 Lender used $X,XXX.XX total debt. Audit used $X,XXX.XX total debt. A variance of $39.34.
0000533079	XXXX	DTI	48.10 %	42.31 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000533116	XXXX	DTI	38.70 %	38.68 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000537007	XXXX	DTI	46.73 %	46.46 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000540977	XXXX	DTI	31.03 %	31.76 %	Summary: Incoming Value:31.03 Audit Value: 31.76 Lender used $X,XXX.XX for total monthly debts. Audit used $X,XXX.XX for total monthly debts. Specifically, Lender used $X,XXX.XX for monthly primary housing payment. Audit used $X,XXX.XX for monthly primary housing payment.
0000557527	XXXX	Borrower Self Employed	Yes	No	Borrower has two jobs on the 1003.  The 1003 list self-employment first with income of $X,XXX.XX and then a wage earner position with income of $X,XXX.XX.  The employment indicator was answered as "No" based on the employment with the greatest income.
0000557527	XXXX	DTI	40.16 %	41.54 %	Summary: Incoming Value:40.16 Audit Value: 41.54 Lender used $X,XXX.XX total monthly income. Audit determined $X,XXX.XX in total monthly income. The Lender used $X,XXX.XX/mo for the borrower’s self-employment real estate income, whereas the Audit determined $X,XXX.XX/mo for the borrower’s self-employment real estate income.
0000035068	XXXX	DTI	16.51 %	16.34 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000041659	XXXX	DTI	27.45 %	21.08 %	Summary: Incoming Value:27.45 Audit Value:21.08 Lender included a $X,XXX.XX primary residence expense, while the audit did not.
0000045418	XXXX	Property Zip	Per Tape	Per Data	Summary: Incoming value: XXXXX Audit value: Audit Value Pulled From Note
0000047881	XXXX	DTI	49.69 %	48.03 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000049916	XXXX	Property Zip	Per Tape	Per Data	Summary: Incoming value: XXXXX Audit value: Audit Value Pulled From Note
0000053291	XXXX	DTI	43.26 %	43.36 %	Summary: Incoming Value:43.26 Audit Value: 43.36 Audit used $X,XXX.XX for income and $X,XXX.XX for expenses.   Lender used $X,XXX.XX for income and $X,XXX.XX for expenses.
0000053291	XXXX	Property Zip	Per Tape	Per Data	Summary: Incoming value: XXXXX Audit value: Audit Value Pulled From Note
0000053500	XXXX	DTI	40.98 %	39.11 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000053500	XXXX	Property Zip	Per Tape	Per Data	Summary: Incoming value: XXXXX Audit value: Audit Value Pulled From Note
0000054106	XXXX	Property Zip	Per Tape	Per Data	Summary: Incoming value: XXXXX Audit value: Audit Value Pulled From Note
0000054719	XXXX	DTI	43.96 %	43.94 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000057848	XXXX	DTI	47.90 %	45.96 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000060641	XXXX	DTI	33.65 %	32.38 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000061600	XXXX	DTI	23.26 %	21.46 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000061996	XXXX	CLTV	23.92 %	23.91 %	Summary: Incoming Value: 23.92 Audit Value: Audit Value of 1st + 2nd liens / Value 23.91 Discrepancy due to Rounding.
0000061996	XXXX	DTI	36.28 %	38.82 %	Summary: Incoming Value:36.28 Audit Value: 38.82 Audit used $X,XXX.XX for income and $X,XXX.XX for expenses.   Lender used $X,XXX.XX for income and $X,XXX.XX for expenses.
0000061996	XXXX	LTV	23.92 %	23.91 %	Summary: Incoming Value: 23.92 Audit Value: Audit Value of 1st lien / Value 0.00 Discrepancy due to Rounding.
0000062223	XXXX	DTI	47.56 %	46.37 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000062898	XXXX	DTI	33.21 %	29.47 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000064322	XXXX	DTI	39.71 %	39.14 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000065260	XXXX	DTI	41.07 %	43.05 %	Summary: Incoming Value:41.07 Audit Value: 43.05 Audit used $X,XXX.XX for income and $X,XXX.XX for expenses.   Lender used $X,XXX.XX for income and $X,XXX.XX for expenses.
0000065322	XXXX	DTI	46.26 %	46.23 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000072806	XXXX	DTI	38.75 %	36.02 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000402032	XXXX	DTI	39.66 %	43.24 %	Summary: Incoming Value:39.66 Audit Value: 43.24 Audit used $X,XXX.XX for income and $X,XXX.XX for expenses.   Lender used $X,XXX.XX for income and $X,XXX.XX for expenses for a DTI of 43% per LP.    The audit DTI is 43.24%.  The lender’s loan approval reflects a DTI of 43.3%.
0000402032	XXXX	Property Zip	Per Tape	Per Data	Summary: Incoming value: XXXXX Audit value: Audit Value Pulled From Note
0000400208	XXXX	DTI	45.73 %	45.72 %	Summary: Incoming Value:45.73 Audit Value: 45.72 Discrepancy due to Rounding
0000385979	XXXX	DTI	13.96 %	13.36 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000532696	XXXX	DTI	43.82 %	42.33 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000547025	XXXX	DTI	33.70 %	33.98 %	Summary: Incoming Value:33.70 Audit Value: 33.98 Audit used $X,XXX.XX S Corp income vs. $X,XXX.XX used by the lender.
0000552552	XXXX	DTI	46.83 %	46.82 %	Summary: Incoming Value:46.83 Audit Value: 46.82 Discrepancy due to Rounding
0000552552	XXXX	Sales Price	Per Tape	Per Data	Price on sales contract and final CD is $X,XXX.XX
0000379442	XXXX	DTI	43.10 %	39.21 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000429063	XXXX	DTI	26.27 %	22.93 %	In all these instances, the lender calculated DTI was higher than the recalculated due diligence DTI. The primary reason is Lender has used minimum qualifying income to make the underwriting decisions, or in cases of conflicting documentation, the underwriting decision was based on a conservative approach. The GSE’s do not require to run the AUS if the actual numbers turn out to be lower.” The Lender has agreed to go with a higher lender number for the purpose of the tape to be conservative.  The TPR firm utilized all reliable third party income/expense documents contained in the loan filed provided by the client to calculate a DTI.
0000429063	XXXX	Sales Price	Per Tape	Per Data	Sales Contract reflects purchase price of $X,XXX.XX

EX-99.6

			Origination Values							AVM Values					Desk Review Values				BPO Values				Field Review Values				2055 Values				Other Updated Values
Customer Loan ID	Original Loan Amount	Sale Price	Appraisal Value	Appraisal Date	Second Appraisal Value	Second Appraisal Date	Variance Amount	Variance Percent	Value Used for LTV	Estimated Value	Value Date	Variance Amount	Variance Percent	Confidence Score	Value	Value Date	Variance Amount	Variance Percent	Value	Value Date	Variance Amount	Variance Percent	Value	Value Date	Variance Amount	Variance Percent	Value	Value Date	Variance Amount	Variance Percent	Value Updated	Value Date	Report Type	Variance Amount	Variance Percent	Collateral Underwriter Risk Score
0000698970	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.3
0000822828	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.0
0000870949	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.03			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%
0000018784	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.3
0000024248	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.8
0000033175	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.11			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%
0000033183	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.11			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%
0000047473	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.6
0000050205	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.07			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%
0000062486	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.4
0000065005	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.3
0000067888	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.1
0000069560	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.5
0000072754	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.5
0000074358	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.2
0000077753	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.0
0000096096	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.5
0000096998	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%	3.0
0000125158	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.09			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	999
0000126815	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.0
0000131955	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.03			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	3.6
0000132470	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.4
0000135378	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%	2.2
0000139577	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.08			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%
0000149026	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.0
0000155659	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.4
0000157132	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%
0000166861	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.0
0000169087	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%
0000171898	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.0
0000172665	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.5
0000174983	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.07			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%
0000177851	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.2
0000179417	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.05			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	4.5
0000179916	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.1
0000180385	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%
0000181526	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.3
0000182261	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.06			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	999
0000189126	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.9
0000190557	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.04			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	3.3
0000191259	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.1
0000198474	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.2
0000199290	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.03			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.6
0000202061	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.0
0000202556	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.0
0000204229	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%
0000210258	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.3
0000210332	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.1
0000212428	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%
0000212772	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%
0000212961	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.4
0000213674	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%	$0.00		$0.00	0.00%				0.00%				$0.00	0.00%	1.6
0000214370	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.04			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	3.0
0000214664	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.05			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.8
0000214711	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.6
0000214790	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%
0000217005	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.08			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	3.1
0000218138	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.1
0000218293	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.09			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%
0000218520	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.4
0000218701	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.07			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	3.2
0000218827	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.1
0000218854	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.3
0000219554	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.4
0000219983	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.4
0000220089	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.8
0000220597	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.0
0000220890	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.0
0000221223	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.0
0000221452	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.0
0000223286	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%	2.1
0000223495	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.1			$0.00	0.00%				0.00%	$0.00		$0.00	0.00%				0.00%				$0.00	0.00%	2.6
0000223524	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%
0000223943	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.9
0000224179	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.6
0000226512	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.0
0000226597	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.2
0000229465	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.0
0000229496	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.1
0000230462	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%
0000230986	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.4
0000231551	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.07			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%
0000234071	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.4
0000235003	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.3
0000236056	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.07			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	3.1
0000236774	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%
0000238603	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.2
0000238638	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.09			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	3.2
0000239936	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.1			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%
0000240302	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%
0000240334	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%
0000240695	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.4
0000241550	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.1
0000242854	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.2
0000243252	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.0
0000243591	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.3
0000243771	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.1
0000244135	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.08			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	3.3
0000244728	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.1
0000244742	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%	4.1
0000247315	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.04			$0.00	0.00%				0.00%	$0.00		$0.00	0.00%				0.00%				$0.00	0.00%	2.7
0000247560	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.0
0000248446	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.9
0000248752	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.13			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%
0000249510	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.06			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%
0000249524	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.12			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%
0000249783	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.13			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%
0000249853	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.05			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	3.0
0000249863	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.05			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.3
0000250303	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.0
0000250404	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%	3.0
0000250448	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.2
0000250690	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.0
0000250779	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%	5.0
0000250837	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%	3.0
0000251394	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.05			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%
0000251447	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.7
0000251612	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.08			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%
0000251856	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.05			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	4.3
0000254103	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.4
0000254109	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.06			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	3.3
0000254302	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.1
0000254308	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.4
0000254859	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.3
0000254891	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.09			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	4.0
0000255099	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.0
0000256478	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.1
0000258308	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.5
0000258383	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.8
0000258947	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.0
0000259656	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.0
0000259664	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.0
0000259676	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%	2.8
0000261615	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.05			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	3.3
0000262070	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.04			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	4.0
0000262471	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%	3.6
0000263579	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.5
0000264027	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.05			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%
0000264824	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.07			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	4.0
0000265035	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.4
0000265061	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.2
0000265595	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%
0000265747	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.12			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.0
0000265822	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.7
0000266523	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.2
0000267262	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.08			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.8
0000268269	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.0
0000270782	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.07			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	4.0
0000271124	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.6
0000271329	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.1
0000272233	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.07			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	4.6
0000272435	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.12			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%
0000272807	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.0
0000273386	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.3
0000274409	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.01			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	3.0
0000274635	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.0
0000275488	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.2
0000275884	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%	5.0
0000276640	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.0
0000277013	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.11			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	3.8
0000278344	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.5
0000278534	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.06			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%
0000281649	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.0
0000282318	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.0
0000282564	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.08			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	3.0
0000285787	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.0
0000286224	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.5
0000286410	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.9
0000286566	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.1
0000287991	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.0
0000289121	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.5
0000289368	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.0
0000289743	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.8
0000289826	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.0
0000292835	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.4
0000293673	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.0
0000294271	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.03			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	3.6
0000294410	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.03			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.7
0000294855	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.4
0000295327	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.2
0000296516	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.08			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.9
0000298389	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.0
0000298484	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.08			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.6
0000298550	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.0
0000299265	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.6
0000299432	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.5
0000299778	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.04			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%
0000300254	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.4
0000301100	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.0
0000301139	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.0
0000301711	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.0
0000301969	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.4
0000302674	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.03			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.9
0000302736	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.11			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	3.4
0000302800	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.0
0000303004	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.6
0000304077	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.03			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	3.9
0000304228	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.1			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	3.3
0000304910	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.08			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	3.3
0000304967	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.1
0000305683	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.05			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	3.1
0000305740	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.3
0000305958	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%	2.6
0000306071	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%	3.8
0000306197	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.4
0000306451	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.13			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.6
0000306588	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.2
0000306961	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.1
0000308674	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.1
0000309195	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.2
0000309340	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.08			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	3.4
0000309600	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%	2.6
0000310039	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%	3.8
0000310811	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.4
0000311894	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.5
0000311988	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.0
0000313817	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.06			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	3.3
0000316202	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%	5.0
0000318213	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.11			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.4
0000318642	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.0
0000320101	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.07			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.7
0000320605	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%	3.2
0000320816	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.7
0000321323	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.06			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	3.3
0000321949	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.05			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%
0000322625	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%
0000323043	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.03			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	3.5
0000323604	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.3
0000323767	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%	3.2
0000324128	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.03			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	3.5
0000324229	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.0
0000324253	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.0
0000324554	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.3
0000324660	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.3
0000324779	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.0
0000325366	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.0
0000326460	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.0
0000328044	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.4
0000328277	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.04			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%
0000328860	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.0
0000329766	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.1
0000330115	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.0
0000331450	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%	3.7
0000331898	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.3
0000332054	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.0
0000332450	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.2
0000332899	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.4
0000334509	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.11			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	5.0
0000334828	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.4
0000334906	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.3
0000335666	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.0
0000337615	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.5
0000338008	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.4
0000338183	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.04			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	5.0
0000338457	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.0
0000342747	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.3
0000343147	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.04			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.7
0000344093	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.3
0000344226	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%
0000346055	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.0
0000346407	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.0
0000347343	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.6
0000349194	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.0
0000349250	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.5
0000349857	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.1
0000350951	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.7
0000352425	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.1			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%
0000352448	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.05			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	3.3
0000352922	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.1
0000353417	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.05			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	4.9
0000354970	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.4
0000355163	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%
0000355394	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%	$0.00		$0.00	0.00%				0.00%				$0.00	0.00%	1.2
0000355595	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%
0000355644	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.2
0000355690	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.2
0000356859	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.4
0000356942	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.2
0000359896	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%	5.0
0000360186	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%	3.7
0000360495	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.2
0000361567	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.4
0000362377	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.1
0000363341	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%	5.0
0000363674	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.0
0000364200	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.03			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	4.0
0000366960	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.0
0000370568	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.1
0000370630	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.8
0000371972	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.3
0000372135	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.06			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	3.2
0000372434	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.2
0000372684	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.0
0000372742	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.0
0000373534	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.0
0000374126	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.03			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%
0000374314	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.1
0000374594	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.0
0000376500	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.2
0000376713	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%
0000376804	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.1
0000376910	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.11			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%
0000378683	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.03			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.7
0000379442	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.2
0000380641	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.3
0000383371	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.3
0000383642	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.3
0000384992	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.04			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	5.0
0000385232	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%	2.9
0000385979	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.05			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	3.9
0000386754	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.1
0000387916	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.1
0000396609	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.06			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	3.0
0000398380	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.5
0000400208	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%	5.0
0000402032	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.1
0000404552	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.12			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%
0000404785	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.13			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%
0000406374	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.07			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	3.4
0000407322	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.07			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	3.8
0000408931	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.0
0000409326	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.0
0000410776	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.4
0000412763	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.0
0000424520	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.1
0000426292	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.09			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%
0000426457	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.4
0000427083	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.2
0000427912	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.0
0000428084	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.0
0000429063	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.09			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	4.0
0000429450	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.1
0000430479	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.3
0000430801	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.5
0000432239	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.06			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%
0000434666	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.8
0000436243	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%
0000436469	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.0
0000437670	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.4
0000439226	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.04			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.6
0000439428	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%
0000441522	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.0
0000441966	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.3
0000441981	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.07			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%
0000442170	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.11			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	4.2
0000442300	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.0
0000444696	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.0
0000446219	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%
0000446260	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%
0000452621	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.05			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	3.0
0000460222	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.06			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.7
0000462831	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.1
0000463034	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%	3.6
0000463470	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.1
0000463686	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.07			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	5.0
0000465027	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.0
0000465098	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.08			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%
0000465807	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.2
0000470164	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.0
0000473765	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.3
0000474012	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.09			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%
0000475066	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.1
0000480447	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.05			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%
0000480806	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.1
0000482888	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.3
0000485605	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.3
0000486165	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.3
0000486834	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.1
0000489790	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.09			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%
0000494958	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.3
0000500865	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.09			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%
0000500906	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.3
0000501846	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	6/10/2021	$0.00	0.00%	0.04			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	3.1
0000505228	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.0
0000506240	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.2
0000511939	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.03			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%
0000512025	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.3
0000514371	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.0
0000519176	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.1
0000519350	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.0
0000519590	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.0
0000521711	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.04			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%
0000525766	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.4
0000527598	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.0
0000529544	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.1
0000530846	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%
0000531183	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.4
0000532696	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.4
0000533079	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.2
0000533116	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.08			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	4.1
0000537007	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.1
0000540977	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.3
0000547025	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.0
0000552552	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.2
0000557527	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.0
0000002584	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.1			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	3.0
0000015598	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.1			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.1
0000015674	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%
0000016199	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%	4.0
0000017286	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.7
0000018301	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.0
0000019226	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.5
0000020419	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.3
0000020767	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.04			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.0
0000021008	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.2
0000024582	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.05			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.3
0000030478	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.07			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.3
0000031585	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%	3.2
0000031780	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.2
0000032363	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%
0000034088	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.07			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.9
0000034172	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.05			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.7
0000034314	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.08			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.2
0000034478	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.1
0000034619	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%	1.2
0000035068	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.4
0000035828	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.06			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.2
0000035982	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.02			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.9
0000036171	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.5
0000036573	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.06			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	5.0
0000037164	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.04			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.7
0000037614	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.3
0000037890	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.03			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.0
0000038639	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.03			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.6
0000038641	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.2
0000038874	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.04			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%
0000039365	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.05			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	4.2
0000040348	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.1			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.0
0000040492	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.1
0000040743	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.0
0000040774	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.3
0000041659	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.1			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.5
0000041757	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.04			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.0
0000041879	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.08			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.5
0000042698	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.08			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	3.5
0000043807	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%	4.0
0000044206	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.1
0000044584	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%
0000044916	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.04			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.1
0000045179	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.4
0000045418	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.06			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	4.2
0000045532	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.1
0000045567	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.5
0000045898	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.2
0000046348	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.0
0000046394	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.0
0000046752	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%	2.4
0000046943	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.04			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.0
0000047707	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.1
0000047720	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%	2.4
0000047881	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.08			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.0
0000048612	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.8
0000048617	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.1
0000049056	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.13			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%
0000049198	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.0
0000049916	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%	3.8
0000052087	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.06			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.3
0000052515	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.1			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%
0000052671	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.02			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.0
0000053056	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.11			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%
0000053291	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.07			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%
0000053500	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%
0000054106	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%	3.2
0000054130	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.13			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%
0000054241	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.12			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%
0000054719	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.3
0000056995	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.13			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.1
0000057848	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.07			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	4.1
0000060641	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.03			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.0
0000060839	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.06			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	3.0
0000060846	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.8
0000061600	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.0
0000061996	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%		$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX				0.00%				0.00%				0.00%				$0.00	0.00%
0000062223	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.05			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%
0000062898	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.1
0000064322	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.06			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	1.4
0000065260	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.05			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%
0000065322	$X,XXX.XX		$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX	$X,XXX.XX	XXXX	0.07			$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.2
0000072806	$X,XXX.XX	$X,XXX.XX	$X,XXX.XX	XX/XX/XXXX				0.00%	$X,XXX.XX			$0.00	0.00%				$0.00	0.00%				0.00%				0.00%				0.00%				$0.00	0.00%	2.1

EX-99.7

Origination Values

AVM Values

Desk Review Values

BPO Values

Field Review Values

2055 Values

Other Updated Values

Rating Agency Grades

Customer Loan ID

Original Loan Amount

Sale Price

Appraisal Value

Appraisal Date

Second Appraisal Value

Second Appraisal Date

Variance Amount

Variance Percent

Value Used for LTV

Estimated Value

Value Date

Variance Amount

Variance Percent

Confidence Score

Value

Value Date

Variance Amount

Variance Percent

Value

Value Date

Variance Amount

Variance Percent

Value

Value Date

Variance Amount

Variance Percent

Value

Value Date

Variance Amount

Variance Percent

Value Updated

Value Date

Report Type

Variance Amount

Variance Percent

Collateral Underwriter Risk Score

Initial DBRS Loan Grade

Final DBRS Loan Grade

Initial KBRA Property Loan Grade

Final KBRA Property Loan Grade

Initial Moody's Loan Grade

Final Moody's Loan Grade

Initial Moody's Property Loan Grade

Final Moody's Property Loan Grade

0000238094

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

C

A

C

A

C

A

C

A

0000253738

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

C

A

C

A

C

A

C

A

0000256254

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.3

C

A

C

A

C

A

C

A

0000256332

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2

C

A

C

A

C

A

C

A

0000293638

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.106

C

A

C

A

C

A

C

A

0000329984

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

C

A

C

A

C

A

C

A

0000345538

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

C

A

C

A

C

A

C

A

0000430683

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

C

A

C

A

C

A

C

A

0000446729

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

C

A

C

A

C

A

C

A

0000474555

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

C

A

C

A

C

A

C

A

0000050691

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.027

C

A

C

A

C

A

C

A

0000064186

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

C

A

C

A

C

A

C

A

0000066040

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XX/XX/XXXX

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

C

A

C

A

C

A

C

A

0000242489

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$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.031

2.9

C

A

C

A

C

A

C

A

0000267314

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$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

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XX/XX/XXXX

$X,XXX.XX

XXXX

0.056

3.3

C

A

C

A

C

A

C

A

0000269212

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$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.03

3.1

C

A

C

A

C

A

C

A

0000275867

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

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XXXX

0.09

4.2

C

A

C

A

C

A

C

A

0000319933

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$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

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XXXX

0.053

2.8

C

A

C

A

C

A

C

A

0000321898

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$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

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XXXX

0.043

4.1

C

A

C

A

C

A

C

A

0000362648

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

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XXXX

0.098

3.5

C

A

C

A

C

A

C

A

0000389065

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$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.4

C

A

C

A

C

A

C

A

0000550509

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

3

C

A

C

A

C

A

C

A

0000036729

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$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

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XXXX

0.034

4

C

A

C

A

C

A

C

A

0000039344

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.075

3

C

A

C

A

C

A

C

A

0000054040

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.05

3

C

A

C

A

C

A

C

A

0000055517

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.4

C

A

C

A

C

A

C

A

0000844679

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.4

C

A

C

A

C

A

C

A

0000310710

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.7

C

A

C

A

C

A

C

A

0000340649

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.4

C

A

C

A

C

A

C

A

0000416312

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

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2

C

A

C

A

C

A

C

A

0000042915

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$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.037

C

A

C

A

C

A

C

A

0000557534

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.096

C

A

C

A

C

A

C

A

0000698967

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$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

C

A

C

A

C

A

C

A

0000772152

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

C

A

C

A

C

A

C

A

0000836805

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

C

A

C

A

C

A

C

A

0000837338

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

C

A

C

A

C

A

C

A

0000867167

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.5

C

A

C

A

C

A

C

A

0000880910

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.051

C

A

C

A

C

A

C

A

0000886433

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.057

C

A

C

A

C

A

C

A

0000013910

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

C

A

C

A

C

A

C

A

0000017452

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

3

C

A

C

A

C

A

C

A

0000026004

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.061

4

C

A

C

A

C

A

C

A

0000026015

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

4.5

C

A

C

A

C

A

C

A

0000035240

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

C

A

C

A

C

A

C

A

0000041056

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.1

C

A

C

A

C

A

C

A

0000042957

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

C

A

C

A

C

A

C

A

0000049673

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.3

C

A

C

A

C

A

C

A

0000053989

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2

C

A

C

A

C

A

C

A

0000054722

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.5

C

A

C

A

C

A

C

A

0000055462

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.9

C

A

C

A

C

A

C

A

0000057114

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.076

3.5

C

A

C

A

C

A

C

A

0000060566

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

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XXXX

C

A

C

A

C

A

C

A

0000068576

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$X,XXX.XX

XX/XX/XXXX

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1

C

A

C

A

C

A

C

A

0000071921

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2

C

A

C

A

C

A

C

A

0000078404

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.1

C

A

C

A

C

A

C

A

0000078442

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.8

C

A

C

A

C

A

C

A

0000087845

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.09

C

A

C

A

C

A

C

A

0000107436

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.6

C

A

C

A

C

A

C

A

0000112999

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.096

2

C

A

C

A

C

A

C

A

0000116682

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.065

1.5

C

A

C

A

C

A

C

A

0000117993

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000118360

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000118616

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.4

C

A

C

A

C

A

C

A

0000126847

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

C

A

C

A

C

A

C

A

0000132933

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.115

3

C

A

C

A

C

A

C

A

0000137271

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$X,XXX.XX

XX/XX/XXXX

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2

C

A

C

A

C

A

C

A

0000140202

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.071

1

C

A

C

A

C

A

C

A

0000141045

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.5

C

A

C

A

C

A

C

A

0000141820

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

C

A

C

A

C

A

C

A

0000144355

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000145203

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$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

4.5

C

A

C

A

C

A

C

A

0000145447

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$X,XXX.XX

XX/XX/XXXX

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2.3

C

A

C

A

C

A

C

A

0000150381

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XX/XX/XXXX

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.117

C

A

C

A

C

A

C

A

0000159192

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$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000162052

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000163879

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$X,XXX.XX

XX/XX/XXXX

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.042

C

A

C

A

C

A

C

A

0000164030

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.5

C

A

C

A

C

A

C

A

0000164636

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.9

C

A

C

A

C

A

C

A

0000168785

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.1

C

A

C

A

C

A

C

A

0000169153

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

C

A

C

A

C

A

C

A

0000172651

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$X,XXX.XX

XX/XX/XXXX

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.092

C

A

C

A

C

A

C

A

0000172968

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$X,XXX.XX

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XX/XX/XXXX

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XX/XX/XXXX

$X,XXX.XX

XXXX

0.027

1

C

A

C

A

C

A

C

A

0000173721

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$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.5

C

A

C

A

C

A

C

A

0000174650

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$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.115

1

C

A

C

A

C

A

C

A

0000180911

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.111

3

C

A

C

A

C

A

C

A

0000182056

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.7

C

A

C

A

C

A

C

A

0000182787

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.095

C

A

C

A

C

A

C

A

0000183926

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.047

1

C

A

C

A

C

A

C

A

0000184004

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000184038

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000184278

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.048

3

C

A

C

A

C

A

C

A

0000184806

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.09

C

A

C

A

C

A

C

A

0000188515

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$X,XXX.XX

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XX/XX/XXXX

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

C

A

C

A

C

A

C

A

0000188931

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.054

C

A

C

A

C

A

C

A

0000191332

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.1

C

A

C

A

C

A

C

A

0000191999

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$X,XXX.XX

XX/XX/XXXX

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

C

A

C

A

C

A

C

A

0000195099

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XX/XX/XXXX

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.055

C

A

C

A

C

A

C

A

0000200212

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000201669

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000202394

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2

C

A

C

A

C

A

C

A

0000203481

$X,XXX.XX

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XX/XX/XXXX

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.022

C

A

C

A

C

A

C

A

0000206533

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.5

C

A

C

A

C

A

C

A

0000210561

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.054

1

C

A

C

A

C

A

C

A

0000211286

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.053

3

C

A

C

A

C

A

C

A

0000211291

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2

C

A

C

A

C

A

C

A

0000211618

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000212103

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.059

1

C

A

C

A

C

A

C

A

0000213213

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

C

A

C

A

C

A

C

A

0000213721

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.058

C

A

C

A

C

A

C

A

0000213758

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.5

C

A

C

A

C

A

C

A

0000214104

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000215266

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

C

A

C

A

C

A

C

A

0000216213

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XX/XX/XXXX

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2

C

A

C

A

C

A

C

A

0000216251

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XX/XX/XXXX

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1

C

A

C

A

C

A

C

A

0000216746

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

C

A

C

A

C

A

C

A

0000217790

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XX/XX/XXXX

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XX/XX/XXXX

$X,XXX.XX

XXXX

0.027

3

C

A

C

A

C

A

C

A

0000217985

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

C

A

C

A

C

A

C

A

0000218255

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$X,XXX.XX

XX/XX/XXXX

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2.3

C

A

C

A

C

A

C

A

0000218495

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.096

1.5

C

A

C

A

C

A

C

A

0000218499

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XX/XX/XXXX

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2

C

A

C

A

C

A

C

A

0000219072

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.5

C

A

C

A

C

A

C

A

0000219941

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XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

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XXXX

5

C

A

C

A

C

A

C

A

0000220530

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

C

A

C

A

C

A

C

A

0000221036

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XX/XX/XXXX

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XX/XX/XXXX

$X,XXX.XX

XXXX

1

C

A

C

A

C

A

C

A

0000221253

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.069

C

A

C

A

C

A

C

A

0000221818

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000222561

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.053

1

C

A

C

A

C

A

C

A

0000224157

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$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.5

C

A

C

A

C

A

C

A

0000224502

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$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

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2.3

C

A

C

A

C

A

C

A

0000225243

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$X,XXX.XX

XX/XX/XXXX

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2.5

C

A

C

A

C

A

C

A

0000226611

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$X,XXX.XX

XX/XX/XXXX

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$X,XXX.XX

XX/XX/XXXX

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XXXX

0.057

C

A

C

A

C

A

C

A

0000226614

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$X,XXX.XX

XX/XX/XXXX

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$X,XXX.XX

XX/XX/XXXX

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XXXX

0.74

C

A

C

A

C

A

C

A

0000226761

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$X,XXX.XX

XX/XX/XXXX

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1

C

A

C

A

C

A

C

A

0000227455

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$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

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2.2

C

A

C

A

C

A

C

A

0000227757

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$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

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1

C

A

C

A

C

A

C

A

0000228217

$X,XXX.XX

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XX/XX/XXXX

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2.1

C

A

C

A

C

A

C

A

0000228352

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

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1

C

A

C

A

C

A

C

A

0000228512

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

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1

C

A

C

A

C

A

C

A

0000228632

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

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XXXX

3.5

C

A

C

A

C

A

C

A

0000228848

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

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1

C

A

C

A

C

A

C

A

0000228903

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.045

1

C

A

C

A

C

A

C

A

0000228967

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

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2

C

A

C

A

C

A

C

A

0000229035

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$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

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XXXX

0.053

2.5

C

A

C

A

C

A

C

A

0000230575

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

C

A

C

A

C

A

C

A

0000232332

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2

C

A

C

A

C

A

C

A

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$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

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$X,XXX.XX

XX/XX/XXXX

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XXXX

0.061

1

C

A

C

A

C

A

C

A

0000234343

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000234493

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

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2.1

C

A

C

A

C

A

C

A

0000234729

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.5

C

A

C

A

C

A

C

A

0000234895

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$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.076

C

A

C

A

C

A

C

A

0000235162

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000235470

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.8

C

A

C

A

C

A

C

A

0000236057

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$X,XXX.XX

XX/XX/XXXX

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$X,XXX.XX

XX/XX/XXXX

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XXXX

0.052

C

A

C

A

C

A

C

A

0000236098

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$X,XXX.XX

XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.047

C

A

C

A

C

A

C

A

0000236134

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2

C

A

C

A

C

A

C

A

0000236992

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.2

C

A

C

A

C

A

C

A

0000237081

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000237233

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

C

A

C

A

C

A

C

A

0000237239

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$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

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$X,XXX.XX

XX/XX/XXXX

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XXXX

0.076

C

A

C

A

C

A

C

A

0000237488

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$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

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$X,XXX.XX

XX/XX/XXXX

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XXXX

0.022

1

C

A

C

A

C

A

C

A

0000237560

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.4

C

A

C

A

C

A

C

A

0000237945

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000238648

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$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

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$X,XXX.XX

XX/XX/XXXX

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XXXX

1

C

A

C

A

C

A

C

A

0000238847

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2

C

A

C

A

C

A

C

A

0000238893

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2

C

A

C

A

C

A

C

A

0000239212

$X,XXX.XX

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XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000239641

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.5

C

A

C

A

C

A

C

A

0000240070

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.6

C

A

C

A

C

A

C

A

0000240823

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XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000240830

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XX/XX/XXXX

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1.5

C

A

C

A

C

A

C

A

0000241054

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$X,XXX.XX

XX/XX/XXXX

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.043

4

C

A

C

A

C

A

C

A

0000241349

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$X,XXX.XX

XX/XX/XXXX

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$X,XXX.XX

XX/XX/XXXX

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XXXX

0.068

C

A

C

A

C

A

C

A

0000241596

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XX/XX/XXXX

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2.2

C

A

C

A

C

A

C

A

0000242574

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XX/XX/XXXX

$X,XXX.XX

2.4

C

A

C

A

C

A

C

A

0000242902

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XX/XX/XXXX

$X,XXX.XX

1.9

C

A

C

A

C

A

C

A

0000242982

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$X,XXX.XX

XX/XX/XXXX

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XX/XX/XXXX

$X,XXX.XX

XXXX

C

A

C

A

C

A

C

A

0000243030

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$X,XXX.XX

XX/XX/XXXX

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1.4

C

A

C

A

C

A

C

A

0000243055

$X,XXX.XX

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XX/XX/XXXX

$X,XXX.XX

2.5

C

A

C

A

C

A

C

A

0000243588

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XX/XX/XXXX

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

1

C

A

C

A

C

A

C

A

0000243647

$X,XXX.XX

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XX/XX/XXXX

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1

C

A

C

A

C

A

C

A

0000243855

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XX/XX/XXXX

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.083

3

C

A

C

A

C

A

C

A

0000243876

$X,XXX.XX

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XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000244665

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.4

C

A

C

A

C

A

C

A

0000244955

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$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.5

C

A

C

A

C

A

C

A

0000245107

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$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.5

C

A

C

A

C

A

C

A

0000245187

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.3

C

A

C

A

C

A

C

A

0000245416

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000245805

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.5

C

A

C

A

C

A

C

A

0000245832

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.2

C

A

C

A

C

A

C

A

0000245992

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XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000246177

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$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.066

C

A

C

A

C

A

C

A

0000246731

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2

C

A

C

A

C

A

C

A

0000246920

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.079

2.5

C

A

C

A

C

A

C

A

0000247261

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.022

2.5

C

A

C

A

C

A

C

A

0000247306

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XX/XX/XXXX

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XX/XX/XXXX

$X,XXX.XX

XXXX

0.059

C

A

C

A

C

A

C

A

0000247840

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XX/XX/XXXX

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XX/XX/XXXX

$X,XXX.XX

XXXX

0.86

C

A

C

A

C

A

C

A

0000247910

$X,XXX.XX

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XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.088

C

A

C

A

C

A

C

A

0000248533

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.046

C

A

C

A

C

A

C

A

0000248699

$X,XXX.XX

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XX/XX/XXXX

$X,XXX.XX

2

C

A

C

A

C

A

C

A

0000249212

$X,XXX.XX

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XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000249217

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.064

1

C

A

C

A

C

A

C

A

0000249504

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XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.083

C

A

C

A

C

A

C

A

0000249865

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

C

A

C

A

C

A

C

A

0000250051

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.5

C

A

C

A

C

A

C

A

0000250301

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.068

C

A

C

A

C

A

C

A

0000250433

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

C

A

C

A

C

A

C

A

0000250660

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000250800

$X,XXX.XX

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XX/XX/XXXX

$X,XXX.XX

1.2

C

A

C

A

C

A

C

A

0000250973

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.5

C

A

C

A

C

A

C

A

0000251160

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.064

2

C

A

C

A

C

A

C

A

0000251522

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.12

C

A

C

A

C

A

C

A

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XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.065

1

C

A

C

A

C

A

C

A

0000251733

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000251791

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$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

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XXXX

0.85

1

C

A

C

A

C

A

C

A

0000252248

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$X,XXX.XX

XX/XX/XXXX

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XX/XX/XXXX

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XXXX

2

C

A

C

A

C

A

C

A

0000252626

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

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2.3

C

A

C

A

C

A

C

A

0000252939

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$X,XXX.XX

XX/XX/XXXX

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1

C

A

C

A

C

A

C

A

0000252950

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XX/XX/XXXX

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1

C

A

C

A

C

A

C

A

0000253010

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XX/XX/XXXX

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2.4

C

A

C

A

C

A

C

A

0000253796

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$X,XXX.XX

XX/XX/XXXX

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$X,XXX.XX

XX/XX/XXXX

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XXXX

C

A

C

A

C

A

C

A

0000254169

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XX/XX/XXXX

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XX/XX/XXXX

$X,XXX.XX

XXXX

0.086

3.5

C

A

C

A

C

A

C

A

0000255059

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XX/XX/XXXX

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XX/XX/XXXX

$X,XXX.XX

XXXX

0.109

3

C

A

C

A

C

A

C

A

0000255613

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

C

A

C

A

C

A

C

A

0000255873

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XX/XX/XXXX

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1

C

A

C

A

C

A

C

A

0000256412

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.094

1

C

A

C

A

C

A

C

A

0000256697

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.08

C

A

C

A

C

A

C

A

0000256714

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.066

1

C

A

C

A

C

A

C

A

0000256761

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XX/XX/XXXX

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1

C

A

C

A

C

A

C

A

0000257263

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$X,XXX.XX

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

C

A

C

A

C

A

C

A

0000258455

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XX/XX/XXXX

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1

C

A

C

A

C

A

C

A

0000258569

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XX/XX/XXXX

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1

C

A

C

A

C

A

C

A

0000259012

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

5

C

A

C

A

C

A

C

A

0000259390

$X,XXX.XX

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XX/XX/XXXX

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1

C

A

C

A

C

A

C

A

0000259515

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XX/XX/XXXX

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.107

3

C

A

C

A

C

A

C

A

0000259597

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.074

C

A

C

A

C

A

C

A

0000259826

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.7

C

A

C

A

C

A

C

A

0000262173

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

4.5

C

A

C

A

C

A

C

A

0000262382

$X,XXX.XX

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XX/XX/XXXX

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1

C

A

C

A

C

A

C

A

0000262399

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.087

4

C

A

C

A

C

A

C

A

0000262533

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

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2

C

A

C

A

C

A

C

A

0000262649

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

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2.5

C

A

C

A

C

A

C

A

0000262866

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.1

C

A

C

A

C

A

C

A

0000262942

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

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XX/XX/XXXX

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XXXX

C

A

C

A

C

A

C

A

0000263170

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$X,XXX.XX

XX/XX/XXXX

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$X,XXX.XX

XX/XX/XXXX

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XXXX

0.053

1

C

A

C

A

C

A

C

A

0000263189

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XX/XX/XXXX

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1.4

C

A

C

A

C

A

C

A

0000263276

$X,XXX.XX

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XX/XX/XXXX

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1.6

C

A

C

A

C

A

C

A

0000263916

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

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2

C

A

C

A

C

A

C

A

0000264136

$X,XXX.XX

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XX/XX/XXXX

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1

C

A

C

A

C

A

C

A

0000264170

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.05

C

A

C

A

C

A

C

A

0000264416

$X,XXX.XX

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.5

C

A

C

A

C

A

C

A

0000264963

$X,XXX.XX

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$X,XXX.XX

XX/XX/XXXX

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1.5

C

A

C

A

C

A

C

A

0000265702

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XX/XX/XXXX

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2.5

C

A

C

A

C

A

C

A

0000265795

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.09

1

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.86

C

A

C

A

C

A

C

A

0000266346

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$X,XXX.XX

XX/XX/XXXX

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XX/XX/XXXX

$X,XXX.XX

XXXX

0.021

3.3

C

A

C

A

C

A

C

A

0000266430

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$X,XXX.XX

XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.037

3

C

A

C

A

C

A

C

A

0000267272

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XX/XX/XXXX

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1

C

A

C

A

C

A

C

A

0000267286

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.051

C

A

C

A

C

A

C

A

0000267407

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XX/XX/XXXX

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1.5

C

A

C

A

C

A

C

A

0000267420

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XX/XX/XXXX

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1

C

A

C

A

C

A

C

A

0000267559

$X,XXX.XX

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XX/XX/XXXX

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1

C

A

C

A

C

A

C

A

0000267684

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XX/XX/XXXX

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1.5

C

A

C

A

C

A

C

A

0000267943

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.037

3.2

C

A

C

A

C

A

C

A

0000267972

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.088

3.5

C

A

C

A

C

A

C

A

0000268190

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XX/XX/XXXX

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2.1

C

A

C

A

C

A

C

A

0000268524

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XX/XX/XXXX

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2

C

A

C

A

C

A

C

A

0000268543

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XX/XX/XXXX

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1.5

C

A

C

A

C

A

C

A

0000268887

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XX/XX/XXXX

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1

C

A

C

A

C

A

C

A

0000268894

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

C

A

C

A

C

A

C

A

0000269576

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XX/XX/XXXX

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2.4

C

A

C

A

C

A

C

A

0000269596

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XX/XX/XXXX

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1

C

A

C

A

C

A

C

A

0000269627

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XX/XX/XXXX

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2.5

C

A

C

A

C

A

C

A

0000269886

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.085

1

C

A

C

A

C

A

C

A

0000270805

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XX/XX/XXXX

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2.3

C

A

C

A

C

A

C

A

0000270973

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.059

3.5

C

A

C

A

C

A

C

A

0000271147

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

C

A

C

A

C

A

C

A

0000271271

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XX/XX/XXXX

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2

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.09

3

C

A

C

A

C

A

C

A

0000271670

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.111

C

A

C

A

C

A

C

A

0000272098

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XX/XX/XXXX

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1

C

A

C

A

C

A

C

A

0000272182

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XX/XX/XXXX

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2

C

A

C

A

C

A

C

A

0000272296

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XX/XX/XXXX

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1

C

A

C

A

C

A

C

A

0000272305

$X,XXX.XX

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XX/XX/XXXX

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2.3

C

A

C

A

C

A

C

A

0000272495

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XX/XX/XXXX

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1

C

A

C

A

C

A

C

A

0000272499

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XX/XX/XXXX

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1

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

$X,XXX.XX

XXXX

0.061

1

C

A

C

A

C

A

C

A

0000272703

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.022

C

A

C

A

C

A

C

A

0000273078

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XX/XX/XXXX

$X,XXX.XX

1.3

C

A

C

A

C

A

C

A

0000273212

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XX/XX/XXXX

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XX/XX/XXXX

$X,XXX.XX

XXXX

0.053

1.5

C

A

C

A

C

A

C

A

0000274296

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000274932

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XX/XX/XXXX

$X,XXX.XX

2.1

C

A

C

A

C

A

C

A

0000275106

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.2

C

A

C

A

C

A

C

A

0000275601

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000276186

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$X,XXX.XX

XX/XX/XXXX

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XX/XX/XXXX

$X,XXX.XX

XXXX

0.043

1

C

A

C

A

C

A

C

A

0000276208

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XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000276469

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XX/XX/XXXX

$X,XXX.XX

1.6

C

A

C

A

C

A

C

A

0000276472

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XX/XX/XXXX

$X,XXX.XX

1.5

C

A

C

A

C

A

C

A

0000276686

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.5

C

A

C

A

C

A

C

A

0000276815

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000277301

$X,XXX.XX

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XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000278189

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XX/XX/XXXX

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.072

C

A

C

A

C

A

C

A

0000278283

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.5

C

A

C

A

C

A

C

A

0000278334

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XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.049

2

C

A

C

A

C

A

C

A

0000278359

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000278394

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000278600

$X,XXX.XX

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XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000278656

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.2

C

A

C

A

C

A

C

A

0000278776

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000279412

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.1

C

A

C

A

C

A

C

A

0000279989

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.3

C

A

C

A

C

A

C

A

0000280051

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

C

A

C

A

C

A

C

A

0000280071

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

C

A

C

A

C

A

C

A

0000280118

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000281182

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2

C

A

C

A

C

A

C

A

0000281358

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

C

A

C

A

C

A

C

A

0000281841

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.7

C

A

C

A

C

A

C

A

0000281944

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000282013

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.043

4.5

C

A

C

A

C

A

C

A

0000282495

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000282615

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.5

C

A

C

A

C

A

C

A

0000285739

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000285944

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.3

C

A

C

A

C

A

C

A

0000286431

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000287526

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000288465

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000288663

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.117

4

C

A

C

A

C

A

C

A

0000288999

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.2

C

A

C

A

C

A

C

A

0000289038

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.068

5

C

A

C

A

C

A

C

A

0000289387

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

4

C

A

C

A

C

A

C

A

0000289720

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.087

1

C

A

C

A

C

A

C

A

0000289875

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.5

C

A

C

A

C

A

C

A

0000289890

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.7

C

A

C

A

C

A

C

A

0000290237

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

C

A

C

A

C

A

C

A

0000290239

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.031

4

C

A

C

A

C

A

C

A

0000291520

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.048

1

C

A

C

A

C

A

C

A

0000292576

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.3

C

A

C

A

C

A

C

A

0000293041

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.11

1

C

A

C

A

C

A

C

A

0000294506

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.5

C

A

C

A

C

A

C

A

0000294728

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.1

C

A

C

A

C

A

C

A

0000294913

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000295524

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.091

1

C

A

C

A

C

A

C

A

0000299331

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.041

3

C

A

C

A

C

A

C

A

0000300771

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000300992

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

2

C

A

C

A

C

A

C

A

0000301613

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2

C

A

C

A

C

A

C

A

0000301655

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.5

C

A

C

A

C

A

C

A

0000302887

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.5

C

A

C

A

C

A

C

A

0000303688

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.058

3.5

C

A

C

A

C

A

C

A

0000303727

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000304458

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.5

C

A

C

A

C

A

C

A

0000304959

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.5

C

A

C

A

C

A

C

A

0000305471

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.7

C

A

C

A

C

A

C

A

0000306415

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.034

2

C

A

C

A

C

A

C

A

0000306655

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000306664

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000308016

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000309001

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.5

C

A

C

A

C

A

C

A

0000309890

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.09

C

A

C

A

C

A

C

A

0000310476

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2

C

A

C

A

C

A

C

A

0000311825

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.3

C

A

C

A

C

A

C

A

0000311968

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000314533

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.086

3.5

C

A

C

A

C

A

C

A

0000315300

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.084

C

A

C

A

C

A

C

A

0000315331

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000317112

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.023

1

C

A

C

A

C

A

C

A

0000318197

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.029

3

C

A

C

A

C

A

C

A

0000318349

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2

C

A

C

A

C

A

C

A

0000318499

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.1

C

A

C

A

C

A

C

A

0000318583

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.1

C

A

C

A

C

A

C

A

0000319321

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2

C

A

C

A

C

A

C

A

0000319462

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000319480

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.191

2.5

C

A

C

A

C

A

C

A

0000319654

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.7

C

A

C

A

C

A

C

A

0000319921

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2

C

A

C

A

C

A

C

A

0000320032

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000321043

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

C

A

C

A

C

A

C

A

0000321735

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.049

1

C

A

C

A

C

A

C

A

0000321899

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000321952

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.04

3.5

C

A

C

A

C

A

C

A

0000321972

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.3

C

A

C

A

C

A

C

A

0000322686

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.2

C

A

C

A

C

A

C

A

0000322880

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2

C

A

C

A

C

A

C

A

0000322941

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.5

C

A

C

A

C

A

C

A

0000323636

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000323694

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2

C

A

C

A

C

A

C

A

0000324269

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.5

C

A

C

A

C

A

C

A

0000325415

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.5

C

A

C

A

C

A

C

A

0000325539

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.081

2

C

A

C

A

C

A

C

A

0000325806

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.2

C

A

C

A

C

A

C

A

0000326384

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000326796

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.2

C

A

C

A

C

A

C

A

0000326818

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2

C

A

C

A

C

A

C

A

0000326863

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.3

C

A

C

A

C

A

C

A

0000327700

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.109

5

C

A

C

A

C

A

C

A

0000327947

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.5

C

A

C

A

C

A

C

A

0000327949

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.6

C

A

C

A

C

A

C

A

0000328168

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000329142

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2

C

A

C

A

C

A

C

A

0000329157

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.095

1

C

A

C

A

C

A

C

A

0000329534

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.064

C

A

C

A

C

A

C

A

0000329553

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.3

C

A

C

A

C

A

C

A

0000330850

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.7

C

A

C

A

C

A

C

A

0000332024

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.5

C

A

C

A

C

A

C

A

0000332879

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.5

C

A

C

A

C

A

C

A

0000333673

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.072

3

C

A

C

A

C

A

C

A

0000334406

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.4

C

A

C

A

C

A

C

A

0000334730

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2

C

A

C

A

C

A

C

A

0000337207

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000337518

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

C

A

C

A

C

A

C

A

0000337670

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.3

C

A

C

A

C

A

C

A

0000338089

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

C

A

C

A

C

A

C

A

0000338137

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000338474

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2

C

A

C

A

C

A

C

A

0000338513

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000339235

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.5

C

A

C

A

C

A

C

A

0000339846

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2

C

A

C

A

C

A

C

A

0000340184

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.5

C

A

C

A

C

A

C

A

0000341071

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.046

2.7

C

A

C

A

C

A

C

A

0000342979

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

1

C

A

C

A

C

A

C

A

0000343668

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

2

C

A

C

A

C

A

C

A

0000344131

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

C

A

C

A

C

A

C

A

0000344158

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

C

A

C

A

C

A

C

A

0000344208

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.5

C

A

C

A

C

A

C

A

0000346142

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

1

C

A

C

A

C

A

C

A

0000346950

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2

C

A

C

A

C

A

C

A

0000347053

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.083

C

A

C

A

C

A

C

A

0000348210

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.122

C

A

C

A

C

A

C

A

0000348275

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2

C

A

C

A

C

A

C

A

0000348491

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000348711

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.8

C

A

C

A

C

A

C

A

0000348826

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2

C

A

C

A

C

A

C

A

0000349269

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000349615

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

C

A

C

A

C

A

C

A

0000349988

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

C

A

C

A

C

A

C

A

0000350957

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

C

A

C

A

C

A

C

A

0000351508

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.4

C

A

C

A

C

A

C

A

0000351656

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.4

C

A

C

A

C

A

C

A

0000352194

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

C

A

C

A

C

A

C

A

0000352658

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2

C

A

C

A

C

A

C

A

0000354479

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2

C

A

C

A

C

A

C

A

0000354798

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.3

C

A

C

A

C

A

C

A

0000354978

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.1

C

A

C

A

C

A

C

A

0000354990

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

3.5

C

A

C

A

C

A

C

A

0000355019

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.5

C

A

C

A

C

A

C

A

0000355790

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000356068

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.1

C

A

C

A

C

A

C

A

0000356927

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.093

1

C

A

C

A

C

A

C

A

0000357233

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.066

C

A

C

A

C

A

C

A

0000359260

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

C

A

C

A

C

A

C

A

0000359538

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

C

A

C

A

C

A

C

A

0000359932

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000360282

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000361021

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.3

C

A

C

A

C

A

C

A

0000361855

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2

C

A

C

A

C

A

C

A

0000363272

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.09

C

A

C

A

C

A

C

A

0000363557

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.2

C

A

C

A

C

A

C

A

0000363577

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.12

C

A

C

A

C

A

C

A

0000363941

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000364015

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.086

3

C

A

C

A

C

A

C

A

0000364919

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000365246

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2

C

A

C

A

C

A

C

A

0000366435

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.7

C

A

C

A

C

A

C

A

0000368180

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2

C

A

C

A

C

A

C

A

0000368391

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.038

3

C

A

C

A

C

A

C

A

0000368949

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.083

4.5

C

A

C

A

C

A

C

A

0000370287

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2

C

A

C

A

C

A

C

A

0000370586

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.034

3

C

A

C

A

C

A

C

A

0000370796

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000371408

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2

C

A

C

A

C

A

C

A

0000371923

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000371981

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000371988

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.3

C

A

C

A

C

A

C

A

0000372055

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2

C

A

C

A

C

A

C

A

0000372219

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.1

C

A

C

A

C

A

C

A

0000372845

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.3

C

A

C

A

C

A

C

A

0000374361

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.032

3.5

C

A

C

A

C

A

C

A

0000374605

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2

C

A

C

A

C

A

C

A

0000375362

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.029

1

C

A

C

A

C

A

C

A

0000375576

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2

C

A

C

A

C

A

C

A

0000377980

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.08

4

C

A

C

A

C

A

C

A

0000378857

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2

C

A

C

A

C

A

C

A

0000378924

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.4

C

A

C

A

C

A

C

A

0000379013

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2

C

A

C

A

C

A

C

A

0000379176

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.087

5

C

A

C

A

C

A

C

A

0000379359

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

2.5

C

A

C

A

C

A

C

A

0000380405

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.5

C

A

C

A

C

A

C

A

0000381287

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.1

C

A

C

A

C

A

C

A

0000381912

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.5

C

A

C

A

C

A

C

A

0000383847

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.077

1.5

C

A

C

A

C

A

C

A

0000384259

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.097

C

A

C

A

C

A

C

A

0000384714

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.4

C

A

C

A

C

A

C

A

0000385245

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.2

C

A

C

A

C

A

C

A

0000385790

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.1

C

A

C

A

C

A

C

A

0000388645

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.2

C

A

C

A

C

A

C

A

0000389008

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000390276

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.057

3.5

C

A

C

A

C

A

C

A

0000391783

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.5

C

A

C

A

C

A

C

A

0000392628

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.085

1

C

A

C

A

C

A

C

A

0000392912

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.08

C

A

C

A

C

A

C

A

0000392974

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2

C

A

C

A

C

A

C

A

0000398730

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.07

1

C

A

C

A

C

A

C

A

0000400133

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

C

A

C

A

C

A

C

A

0000400300

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.038

2

C

A

C

A

C

A

C

A

0000400898

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000401538

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.097

C

A

C

A

C

A

C

A

0000402683

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.07

C

A

C

A

C

A

C

A

0000407524

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000407595

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.064

4

C

A

C

A

C

A

C

A

0000408660

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.057

3

C

A

C

A

C

A

C

A

0000408722

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.108

C

A

C

A

C

A

C

A

0000408992

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.12

C

A

C

A

C

A

C

A

0000410212

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.7

C

A

C

A

C

A

C

A

0000410398

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.6

C

A

C

A

C

A

C

A

0000412108

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.1

C

A

C

A

C

A

C

A

0000412794

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000414800

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000416493

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000417661

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.055

2

C

A

C

A

C

A

C

A

0000419891

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2

C

A

C

A

C

A

C

A

0000421294

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2

C

A

C

A

C

A

C

A

0000421904

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.4

C

A

C

A

C

A

C

A

0000421909

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000422817

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.5

C

A

C

A

C

A

C

A

0000423549

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.3

C

A

C

A

C

A

C

A

0000423741

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.1

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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2.5

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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C

A

C

A

C

A

C

A

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XX/XX/XXXX

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2.3

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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C

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C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

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3

C

A

C

A

C

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C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

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C

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C

A

C

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

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C

A

C

A

C

A

C

A

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XX/XX/XXXX

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1.7

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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C

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C

A

C

A

C

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.039

C

A

C

A

C

A

C

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XX/XX/XXXX

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1.3

C

A

C

A

C

A

C

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

C

A

C

A

C

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C

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

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C

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C

A

C

A

C

A

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XX/XX/XXXX

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C

A

C

A

C

A

C

A

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XX/XX/XXXX

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C

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C

A

C

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C

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

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3

C

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C

A

C

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.028

3.5

C

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C

A

C

A

C

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

C

A

C

A

C

A

C

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XX/XX/XXXX

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1.5

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

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C

A

C

A

C

A

C

A

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XX/XX/XXXX

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C

A

C

A

C

A

C

A

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XX/XX/XXXX

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1.9

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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C

A

C

A

C

A

C

A

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XX/XX/XXXX

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C

A

C

A

C

A

C

A

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XX/XX/XXXX

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2.5

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.052

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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C

A

C

A

C

A

C

A

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XX/XX/XXXX

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C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

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A

C

A

C

A

C

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

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C

A

C

A

C

A

C

A

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XX/XX/XXXX

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2.5

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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C

A

C

A

C

A

C

A

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XX/XX/XXXX

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C

A

C

A

C

A

C

A

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XX/XX/XXXX

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2.1

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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2.2

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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C

A

C

A

C

A

C

A

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XX/XX/XXXX

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C

A

C

A

C

A

C

A

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XX/XX/XXXX

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1.1

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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1.6

C

A

C

A

C

A

C

A

0000480682

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XX/XX/XXXX

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C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.081

4

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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1.8

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

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C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.044

3

C

A

C

A

C

A

C

A

0000488576

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XX/XX/XXXX

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2.5

C

A

C

A

C

A

C

A

0000498914

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XX/XX/XXXX

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1.5

C

A

C

A

C

A

C

A

0000501342

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XX/XX/XXXX

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2.3

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

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3.5

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.046

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.049

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

C

A

C

A

C

A

C

A

0000519578

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XX/XX/XXXX

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2.5

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.034

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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1

C

A

C

A

C

A

C

A

0000525891

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XX/XX/XXXX

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1.4

C

A

C

A

C

A

C

A

0000526619

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XX/XX/XXXX

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C

A

C

A

C

A

C

A

0000527072

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XX/XX/XXXX

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2.5

C

A

C

A

C

A

C

A

0000527235

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XX/XX/XXXX

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2.5

C

A

C

A

C

A

C

A

0000528199

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XX/XX/XXXX

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1.1

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.049

2.6

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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2.4

C

A

C

A

C

A

C

A

0000532748

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XX/XX/XXXX

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2

C

A

C

A

C

A

C

A

0000537681

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XX/XX/XXXX

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1.5

C

A

C

A

C

A

C

A

0000544759

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XX/XX/XXXX

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2.3

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

C

A

C

A

C

A

C

A

0000558542

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XX/XX/XXXX

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2.2

C

A

C

A

C

A

C

A

0000570187

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XX/XX/XXXX

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2.5

C

A

C

A

C

A

C

A

0000578781

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XX/XX/XXXX

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2.1

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.105

1

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.094

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.07

2.2

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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1.5

C

A

C

A

C

A

C

A

0000024284

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XX/XX/XXXX

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2.2

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.036

2.3

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.04

2

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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0.06

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.079

2

C

A

C

A

C

A

C

A

0000033401

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XX/XX/XXXX

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C

A

C

A

C

A

C

A

0000034866

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XX/XX/XXXX

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1.5

C

A

C

A

C

A

C

A

0000035519

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.077

3

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.061

3

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.074

1

C

A

C

A

C

A

C

A

0000036598

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XX/XX/XXXX

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C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.034

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.089

1

C

A

C

A

C

A

C

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XX/XX/XXXX

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XXXX

0.034

3.5

C

A

C

A

C

A

C

A

0000037293

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XX/XX/XXXX

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2.1

C

A

C

A

C

A

C

A

0000037309

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XX/XX/XXXX

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1.5

C

A

C

A

C

A

C

A

0000037545

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XX/XX/XXXX

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C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.06

2.3

C

A

C

A

C

A

C

A

0000038144

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XX/XX/XXXX

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2

C

A

C

A

C

A

C

A

0000038622

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.05

1

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.057

2.1

C

A

C

A

C

A

C

A

0000039003

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XX/XX/XXXX

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C

A

C

A

C

A

C

A

0000039079

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.055

2

C

A

C

A

C

A

C

A

0000039654

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XX/XX/XXXX

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C

A

C

A

C

A

C

A

0000040657

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.046

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C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

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1

C

A

C

A

C

A

C

A

0000042445

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XX/XX/XXXX

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C

A

C

A

C

A

C

A

0000043108

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.106

2.2

C

A

C

A

C

A

C

A

0000043158

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XX/XX/XXXX

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2.5

C

A

C

A

C

A

C

A

0000043960

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XX/XX/XXXX

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2.5

C

A

C

A

C

A

C

A

0000045286

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.048

1.3

C

A

C

A

C

A

C

A

0000045392

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$X,XXX.XX

XX/XX/XXXX

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2.5

C

A

C

A

C

A

C

A

0000045845

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

C

A

C

A

C

A

C

A

0000046026

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.099

C

A

C

A

C

A

C

A

0000046698

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

3.6

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

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3.5

C

A

C

A

C

A

C

A

0000047358

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.054

1.9

C

A

C

A

C

A

C

A

0000047362

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.08

2.5

C

A

C

A

C

A

C

A

0000047873

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.034

1.1

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

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3.9

C

A

C

A

C

A

C

A

0000048581

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.114

2

C

A

C

A

C

A

C

A

0000048967

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XX/XX/XXXX

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C

A

C

A

C

A

C

A

0000049136

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XX/XX/XXXX

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C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

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C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

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2.5

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

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C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.029

2.2

C

A

C

A

C

A

C

A

0000050601

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.08

1.8

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.049

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

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2.5

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.052

4.5

C

A

C

A

C

A

C

A

0000054428

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XX/XX/XXXX

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C

A

C

A

C

A

C

A

0000054814

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.029

3

C

A

C

A

C

A

C

A

0000055218

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XX/XX/XXXX

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C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

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C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.031

1.2

C

A

C

A

C

A

C

A

0000055769

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.093

C

A

C

A

C

A

C

A

0000055892

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XX/XX/XXXX

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C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.05

2

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.053

3.3

C

A

C

A

C

A

C

A

0000056051

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.036

2

C

A

C

A

C

A

C

A

0000056967

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.117

2

C

A

C

A

C

A

C

A

0000057409

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XX/XX/XXXX

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1

C

A

C

A

C

A

C

A

0000057428

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XX/XX/XXXX

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2.3

C

A

C

A

C

A

C

A

0000057863

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.038

1.1

C

A

C

A

C

A

C

A

0000058219

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XX/XX/XXXX

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2.1

C

A

C

A

C

A

C

A

0000058943

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.045

1.1

C

A

C

A

C

A

C

A

0000059378

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XX/XX/XXXX

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2.5

C

A

C

A

C

A

C

A

0000060183

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XX/XX/XXXX

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1.5

C

A

C

A

C

A

C

A

0000061773

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.081

3.1

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.13

3.3

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.037

3.5

C

A

C

A

C

A

C

A

0000062362

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XX/XX/XXXX

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1.7

C

A

C

A

C

A

C

A

0000062855

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.024

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C

A

C

A

C

A

C

A

0000063465

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XX/XX/XXXX

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1.1

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

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3.1

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

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1

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.056

4.5

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.037

3.5

C

A

C

A

C

A

C

A

0000068693

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.032

2.5

C

A

C

A

C

A

C

A

0000069841

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

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2

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.039

4

C

A

C

A

C

A

C

A

0000062152

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XX/XX/XXXX

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C

A

C

A

C

A

C

A

0000044588

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.114

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

C

A

C

A

C

A

C

A

0000897971

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.90

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.026

3

C

A

C

A

C

A

C

A

0000257822

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XX/XX/XXXX

$X,XXX.XX

1.3

C

A

C

A

C

A

C

A

0000293573

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XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000309210

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XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000310047

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XX/XX/XXXX

$X,XXX.XX

1.4

C

A

C

A

C

A

C

A

0000320271

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.07

4

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.039

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.044

1.5

C

A

C

A

C

A

C

A

0000242421

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.028

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

$X,XXX.XX

XXXX

0.05

C

A

C

A

C

A

C

A

0000786116

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XX/XX/XXXX

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2.1

C

A

C

A

C

A

C

A

0000926238

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.2

C

A

C

A

C

A

C

A

0000248458

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000352774

$X,XXX.XX

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XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000392515

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XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000032223

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.023

3

C

A

C

A

C

A

C

A

0000036056

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XX/XX/XXXX

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XX/XX/XXXX

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XXXX

0.08

C

A

C

A

C

A

C

A

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XX/XX/XXXX

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XX/XX/XXXX

$X,XXX.XX

XXXX

0.037

C

A

C

A

C

A

C

A

0000151153

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XX/XX/XXXX

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

C

A

C

A

C

A

C

A

0000221440

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XX/XX/XXXX

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

3

C

A

C

A

C

A

C

A

0000288988

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XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

C

A

C

A

C

A

C

A

0000377410

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$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

C

A

C

A

C

A

C

A

0000045924

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$X,XXX.XX

XX/XX/XXXX

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$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

1.1

C

A

C

A

C

A

C

A

0000355699

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$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.5

C

A

C

A

C

A

C

A

0000430735

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

2.5

C

A

C

A

C

A

C

A

0000454424

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000465547

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1

C

A

C

A

C

A

C

A

0000470121

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.5

C

A

C

A

C

A

C

A

0000475955

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.5

C

A

C

A

C

A

C

A

0000513623

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.046

C

A

C

A

C

A

C

A

0000064437

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.3

C

A

C

A

C

A

C

A

0000066438

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

1.1

C

A

C

A

C

A

C

A

0000473587

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XXXX

0.069

4.8

C

A

C

A

C

A

C

A