Change Depositor, LLC ABS-15G

Exhibit 99.2

 

Loan Number

Seller Loan Number

Originator

Last Name

Note Date

Original Balance

State

TPR QM ATR Status

Loan Status

Exception Date

Remediation Status

Exception Type

Exception Category

Exceptions

Exception Rebuttal

Exception Rebuttal Date

Exception Rebuttal Response

Exception Rebuttal Response Date

Compensating Factors

Initial Overall Loan Grade

Final Overall Loan Grade

Initial Exception Grade

Final Exception Grade

Initial Credit Grade

Final Credit Grade

Initial Property Valuation Grade

Final Property Valuation Grade

Initial Compliance Grade

Final Compliance Grade

Initial Overall Grade (DBRS)

Initial Credit  Grade (DBRS)

Initial Property Valuation Grade (DBRS)

Initial Compliance Grade (DBRS)

Initial Overall Grade (Fitch)

Initial Credit Grade (Fitch)

Initial Property Valuation Grade (Fitch)

Initial Compliance Grade (Fitch)

Initial Overall  Grade (KBRA)

Initial Credit Grade (KBRA)

Initial Property Valuation Grade (KBRA)

Initial Compliance  Grade (KBRA)

Initial Overall  Grade (Moody's)

Initial Credit  Grade (Moody's)

Initial Property Valuation Grade (Moody's)

Initial Compliance Grade (Moody's)

Initial Overall  Grade (S&P)

Initial Credit  Grade (S&P)

Initial Property Valuation  Grade (S&P)

Initial Compliance  Grade (S&P)

Final Overall  Grade (DBRS)

Final Credit Grade (DBRS)

Final Property Valuation  Grade (DBRS)

Final Compliance  Grade (DBRS)

Final Overall  Grade (Fitch)

Final Credit Grade (Fitch)

Final Property Valuation Grade (Fitch)

Final Compliance  Grade (Fitch)

Final Overall  Grade (KBRA)

Final Credit Grade (KBRA)

Final Property Valuation Grade (KBRA)

Final Compliance  Grade (KBRA)

Final Overall  Grade (Moody's)

Final Credit Grade (Moody's)

Final Property Valuation Grade (Moody's)

Final Compliance Grade (Moody's)

Final Overall  Grade (S&P)

Final Credit  Grade (S&P)

Final Property Valuation  Grade (S&P)

Final Compliance Grade (S&P)

100003483

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

11/09/2022

Cleared

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

11/09/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

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100003483

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

11/08/2022

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

11/08/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

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100003483

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

11/08/2022

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

11/08/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

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100003490

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/18/2022

Cleared

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

02/18/2022

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

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100003490

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/21/2022

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

02/21/2022

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

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100003521

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

11/07/2022

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

11/08/2022

11/08/2022

Borrower has more than X years at current residence - Borrower at current residence XXX years

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100003521

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

11/07/2022

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

11/07/2022

Borrower has more than X years at current residence - Borrower at current residence XXX years

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100003521

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

11/07/2022

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

11/07/2022

Borrower has more than X years at current residence - Borrower at current residence XXX years

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100003523

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

03/01/2022

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

03/03/2022

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

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100003523

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

03/02/2022

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/02/2022

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

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100003524

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/01/2022

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

03/01/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

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100003524

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/01/2022

Cleared

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

03/01/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

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100003524

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/01/2022

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/01/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

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100003527

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/10/2022

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

03/10/2022

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

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100003527

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/10/2022

Cleared

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

03/10/2022

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

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100003527

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/11/2022

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/11/2022

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

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100003528

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/14/2022

Cleared

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

02/14/2022

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

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100003528

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/14/2022

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

02/14/2022

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

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100003529

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/11/2022

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

03/11/2022

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

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100003529

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/11/2022

Cleared

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

03/11/2022

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

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100003529

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/11/2022

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/11/2022

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003532

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/18/2022

Cleared

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003532

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/24/2022

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

02/24/2022

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003533

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/02/2022

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

03/02/2022

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003533

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/01/2022

Cleared

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

03/01/2022

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003533

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/01/2022

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/01/2022

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003534

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/08/2022

Cleared

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

03/08/2022

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003534

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/09/2022

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/09/2022

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003535

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/15/2022

Cleared

Compliance

Qualified Mortgage Points and Fees Finding (12 CFR §1026.43(e)(3))

Subject loan's points and fees exceed the qualified mortgage points and fees threshold.

Correction, Non-QM Loan.  ;

03/17/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003535

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/16/2022

Cleared

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

03/16/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003535

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/16/2022

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/16/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003537

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/05/2022

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

09/20/2022

09/20/2022

Borrower has more than X years at current residence - Borrower at current residence XXX years

C

B

C

A

C

B

A

A

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

100003537

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/04/2022

Acknowledged

Credit

Liquid Reserves are less than Guidelines Required

The liquid reserves of XXX months or $XXX, are less than the Guidelines minimum required of XXX or $XXX.; The liquid reserves of XXX months or $XXX, are less than the Guidelines minimum required of XXX or $XXX.; XX/XX/XXXX: Received approved excption to allow XXX months reserves in lieu of required 12 months reserves per program guidelines.  Compensating factors:  Clean credit history (0x30) on all accounts ( XXX current accoutns rated XXX months with zero lates).  Qualifying FICO is XXX points higher than program minimum of XXX.

Acknowledged by Client; exception approval recevied.

09/20/2022

09/20/2022

Borrower has more than X years at current residence - Borrower at current residence XXX years

C

B

C

B

C

B

A

A

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

100003537

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/05/2022

Cleared

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

04/05/2022

Borrower has more than X years at current residence - Borrower at current residence XXX years

C

B

A

A

C

B

A

A

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

100003537

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/05/2022

Cleared

Credit

Asset Documents are Incomplete

Asset Documents are Incomplete:  Misisng source documentation of $XXX EMD.

Client provided gift letter for source of funds.

04/08/2022

Client provided gift letter for source of funds.

04/08/2022

Borrower has more than X years at current residence - Borrower at current residence XXX years

C

B

C

A

C

B

A

A

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

100003538

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/29/2022

Cleared

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

03/29/2022

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003538

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/30/2022

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/30/2022

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003547

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

05/09/2022

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

05/09/2022

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003547

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

05/09/2022

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

05/09/2022

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003551

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

05/25/2022

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

05/25/2022

Borrower has more than X years at current residence - Borrower at current residence XXX years

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003551

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

05/25/2022

Cleared

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

05/25/2022

Borrower has more than X years at current residence - Borrower at current residence XXX years

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003562

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

05/26/2022

Cleared

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

05/26/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003562

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

05/26/2022

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

05/26/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003564

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

06/06/2022

Active

Compliance

Qualified Mortgage APR Threshold Finding

This loan has an APR that exceeds the threshold for a qualified mortgage. ( 12 CFR §1026.43(e)(2)(vi) )A qualified mortgage is a covered transaction for which, among other requirements, is not negatively amortizing and:The note amount for a first lien is greater than or equal to $XXX, and its APR calculated per the requirements of XXX CFR §1026.43(e)(2)(vi) does not exceed the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien on a manufactured home is less than $XXX, and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) does not exceed the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien a non-manufactured home is less than $XXX but greater than or equal to $XXX, and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) does not exceed the APOR on the date the rate was set plus XXX%; orThe note amount for a second lien is greater than or equal to $XXX, and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) does not exceed the APOR on the date the rate was set plus XXX%; orThe note amount on a first lien a non-manufactured home or a second lien is less than $XXX, and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) does not exceed the APOR on the date the rate was set plus XXX%.

06/06/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003564

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

06/06/2022

Cleared

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

06/06/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

A

A

A

A

A

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100003564

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

06/06/2022

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

06/06/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

A

A

A

A

A

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A

100003565

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

06/04/2022

Active

Compliance

Qualified Mortgage APR Threshold Finding

This loan has an APR that exceeds the threshold for a qualified mortgage. ( 12 CFR §1026.43(e)(2)(vi) )A qualified mortgage is a covered transaction for which, among other requirements, is not negatively amortizing and:The note amount for a first lien is greater than or equal to $XXX, and its APR calculated per the requirements of XXX CFR §1026.43(e)(2)(vi) does not exceed the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien on a manufactured home is less than $XXX, and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) does not exceed the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien a non-manufactured home is less than $XXX but greater than or equal to $XXX, and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) does not exceed the APOR on the date the rate was set plus XXX%; orThe note amount for a second lien is greater than or equal to $XXX, and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) does not exceed the APOR on the date the rate was set plus XXX%; orThe note amount on a first lien a non-manufactured home or a second lien is less than $XXX, and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) does not exceed the APOR on the date the rate was set plus XXX%.

06/04/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

A

A

A

A

A

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A

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A

A

100003565

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

06/06/2022

Cleared

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

06/06/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

A

A

A

A

A

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A

100003565

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

06/06/2022

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

06/06/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

A

A

A

A

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A

100003569

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

06/06/2022

Cleared

Compliance

Per Diem Interest Amount Test

This loan failed the per diem interest amount test. (XXX Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan ($933.07) exceeds the per diem interest charge or credit threshold ($XXX).PLEASE NOTE: An additional $1 buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page.; Client provided PCCD to cure.

This loan passed the per diem interest amount test. (XXX Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan ($XXX) does not exceed the per diem interest charge or credit threshold ($XXX).PLEASE NOTE: An additional $1 buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page.

06/09/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

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C

C

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C

C

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C

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A

A

100003569

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

06/06/2022

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

06/06/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

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C

C

A

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C

C

A

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C

C

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C

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100003570

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

06/10/2022

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

06/21/2022

06/27/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

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C

A

A

A

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A

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A

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A

A

A

100003570

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

06/10/2022

Cured Post Close

Compliance

Per Diem Interest Amount Test

This loan failed the per diem interest amount test. (CA Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan ($-XXX) exceeds the per diem interest charge or credit threshold ($-XXX).PLEASE NOTE: An additional $1 buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page.

Client refinded borrower $XXX XX/XX/XXXX.; Change status of 'Per Diem Interest Amount Test' from Open Rebuttal to Cured Post Close.; Cliewnt refunded borrower $XXX XX/XX/XXXX to cure.

06/27/2022

This loan passed the per diem interest amount test. (CA Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan ($XXX) does not exceed the per diem interest charge or credit threshold ($XXX).PLEASE NOTE: An additional $1 buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page.

06/10/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

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C

C

A

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C

C

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C

C

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C

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A

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A

A

100003570

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

06/10/2022

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

06/10/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

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A

C

C

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C

C

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C

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A

A

100003570

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

06/15/2022

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

06/15/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

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C

C

A

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C

C

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C

C

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C

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A

100003570

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

06/10/2022

Cleared

Compliance

Initial Closing Disclosure Delivery Date Test

This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation.; Please provide Initial CD issued on XX/XX/XXXX per E-tracking summary along with the PCCD issued XX/XX/XXXX with COC per Disclosure tracking details sheet. Also there is a CD issued XX/XX/XXXX (Not signed) in file thats not reflected on the E-Tracking summary nor was a dosclosure tracking details sheet provided.

This loan passed the initial closing disclosure delivery date test.( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is 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 initial 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 initial closing disclosure receipt date is provided and the initial 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.The creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation.

06/27/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003570

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

06/15/2022

Cleared

Compliance

GSE (Freddie Mac public guidelines) HPML Loan Type Test

This loan failed the HPML loan type test.   (Freddie Mac Bulletin XXX) The loan is a HOEPA "higher-priced mortgage loan" (HPML) that is not eligible for purchase by Freddie Mac because it is not one of the allowed loan types.   In XX/XX/XXXX, the Board of Governors of the Federal Reserve System issued a final rule amending Regulation Z, which implements the Truth in Lending Act.  The rule includes consumer protections that apply to a new category of "higher-priced mortgage loans." Regulation Z defines an HPML as a mortgage secured by the Borrower's principal residence with an annual percentage rate (APR) that (for a first-lien loan) is at least 1.5% higher than the average prime offer rate (APOR) for a comparable transaction as of the date the rate was set. Freddie Mac will purchase HPMLs subject to certain eligibility requirements.  Effective for applications dated on or after XX/XX/XXXX, HPMLs sold to Freddie Mac must be one of the following Mortgage Products:Fixed-rate mortgages;XX/XX/XXXX or XX/XX/XXXX ARMs, or XX/XX/XXXX or XX/XX/XXXX ARMs. HPMLs sold to Freddie Mac must not be:ARMS with an Initial Period or Interest Only Period less than 7 years.

Non-QM loan.

06/20/2022

This compliance test 'GSE (Freddie Mac public guidelines) HPML Loan Type Test' is no longer tested

06/27/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003570

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

06/15/2022

Cleared

Compliance

TRID Disclosure Delivery and Receipt Date Validation Test

This loan failed the TRID disclosure delivery and receipt date validation test due to one of the following findings:The Revised Loan Estimate Receipt Date is before Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date is before Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date is before Revised Closing Disclosure Delivery Date.

This compliance test 'TRID Disclosure Delivery and Receipt Date Validation Test' is no longer tested

06/15/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003572

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

06/14/2022

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

06/14/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003572

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

06/14/2022

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

06/21/2022

06/21/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003572

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

06/14/2022

Cleared

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

06/14/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003572

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

06/13/2022

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

06/13/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003574

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

06/09/2022

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

06/21/2022

06/21/2022

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003574

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

06/10/2022

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

06/10/2022

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003580

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

06/29/2022

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/20/2023

04/20/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003580

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

06/29/2022

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

06/29/2022

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003580

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

06/29/2022

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

06/29/2022

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003585

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

06/27/2022

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

06/28/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003585

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

06/28/2022

Cleared

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

06/28/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003585

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

06/28/2022

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

06/28/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003585

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

06/28/2022

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

06/28/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003586

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

07/14/2022

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

07/14/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003586

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

07/14/2022

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

07/14/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003586

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

07/14/2022

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

07/14/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003591

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

07/15/2022

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

07/15/2022

Borrower has more than X years at current residence - Borrower at current residence XXX years

D

A

C

A

D

A

A

A

C

A

C

C

A

C

D

D

A

C

C

C

A

C

D

D

A

C

D

D

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003591

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

07/15/2022

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

07/15/2022

Borrower has more than X years at current residence - Borrower at current residence XXX years

D

A

A

A

D

A

A

A

C

A

C

C

A

C

D

D

A

C

C

C

A

C

D

D

A

C

D

D

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003591

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

07/15/2022

Cleared

Credit

Liquid Reserves are less than Guidelines Required

The liquid reserves of XXX months or $XXX, are less than the Guidelines minimum required of XXX or $XXX.; Community GL's require XXX + XXX additional for each financed properties. Review Calculations: Subject Property sale price $XXX - $XXX Loan amount = $XXX + Closing Costs (PCCD) $XXX = $1XXX.   Total assets per 1008 comment from XXX state cash to close $XXX + XXX = $XXX totalling $XXX However Total Assets in file including EMD $XXX - Total cash to close $XXX. The liquid reserves of XXX months or $XXX, are less than the Guidelines minimum required of XXX or $XXX.

Client provided revised 1008. Sufficient funds ahve been verified.  ; Community GL's require XXX + XXX additional for each financed properties. ; ; Review Calculations: Subject Property sale price $XXX - $XXX Loan amount = $XXX + Closing Costs (PCCD) $XXX = $XXX.  ; ; Total assets per 1008 comment from UW state cash to close $XXX + XXX = $XXX totalling $XXX. However Total Assets in file including EMD $XXX - Total cash to close $XXX. ; ; The liquid reserves of XXX months or $XXX, are less than the Guidelines minimum required of XXX or $XXX.

07/27/2022

The liquid reserves of XXX months or $XXX, is greater than or equal to the Guidelines minimum required of XXX or $XXX.; The liquid reserves of XXX months or $XXX, is greater than or equal to the Guidelines minimum required of XXX or $XXX.

07/27/2022

Borrower has more than X years at current residence - Borrower at current residence XXX years

D

A

C

A

D

A

A

A

C

A

C

C

A

C

D

D

A

C

C

C

A

C

D

D

A

C

D

D

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003591

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

07/15/2022

Cleared

Credit

Final Loan Application is Partial

Final Loan Application is Partial; Final 1003 for XXX Marital Status reflects married, however LOX in file from XXX states not married and was incorrectly filled out.

Client provided signed LOE from borrower stating that she incorrectly had marked married,  she is not married.  ; Final 1003 for XXX Marital Status reflects XXX, however LOX in file from XXX states XXX and was incorrectly filled out.

07/27/2022

Final Loan Application is Present

07/27/2022

Borrower has more than X years at current residence - Borrower at current residence XXX years

D

A

D

A

D

A

A

A

C

A

C

C

A

C

D

D

A

C

C

C

A

C

D

D

A

C

D

D

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003594

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

07/13/2022

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

07/13/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003594

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

07/13/2022

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

07/13/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003594

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

07/13/2022

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

07/13/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003596

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

07/11/2022

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

07/11/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003596

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

07/11/2022

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

07/11/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003596

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

07/11/2022

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

07/11/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003597

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

07/25/2022

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

07/25/2022

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003597

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

07/25/2022

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

07/25/2022

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003597

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

07/25/2022

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

07/25/2022

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003600

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

07/12/2022

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

07/13/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003600

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

07/13/2022

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

07/13/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

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C

C

A

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C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003600

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

07/13/2022

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

07/13/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003604

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

09/02/2022

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

09/07/2022

09/07/2022

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003604

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

09/02/2022

Cleared

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

09/02/2022

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003604

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

09/02/2022

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

09/02/2022

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003604

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

09/02/2022

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

09/02/2022

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003604

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

09/02/2022

Cleared

Compliance

Original PI Payment on Note does not equal PI Payment on Final Closing Disclosure

The principal and interest payment on the Final Closing Disclosure does not match the original principal and interest payment payment  (XXX) on the Note.

Change status of 'Original PI Payment on Note does not equal PI Payment on Final Closing Disclosure' from Cleared to Revoked.; Updated findings

09/07/2022

Original PI Payment on Note matches Final CD; Original PI Payment on Note matches Final CD

09/07/2022

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003606

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

08/29/2022

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

08/30/2022

08/30/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

C

A

C

A

A

A

C

A

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003606

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

08/29/2022

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

08/29/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

A

A

C

A

A

A

C

A

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003606

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

08/27/2022

Cleared

Credit

Underwriting LTV exceeds Guideline Maximum Allowable

Underwriting LTV of XXX%  is greater than the maximum allowable guideline LTV of XXX% based on a loan amount of $XXX and value used for LTV of $XXX.; Per Community Gl's dated XX/XX/XXXX Max Fico for LTV XXX%/XXX% is XXX Score. 1008 & CBR state qualifying fico is XXX.

XX/XX/XXXX  Received loe from client regarding using the most recent guidelines.  Exception cleared.  ; Per Community Gl's dated XX/XX/XXXX Max Fico for LTV XXX%/XXX% is XXX Score. 1008 & CBR state qualifying fico is XXX.

09/09/2022

Original LTV of XXX adheres to the guideline maximum LTV of XXX.

09/09/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

C

A

C

A

A

A

C

A

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003606

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

09/15/2022

Cleared

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

The exception 'No Compliance Findings' is cleared.

09/15/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

A

A

C

A

A

A

C

A

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003607

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

09/26/2022

Cleared

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

09/26/2022

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003607

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

09/23/2022

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

09/23/2022

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

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

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A

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A

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A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003607

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

09/23/2022

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

09/23/2022

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

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

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A

A

A

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A

A

A

A

A

A

A

A

A

A

A

A

100003610

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

09/08/2022

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

09/08/2022

09/08/2022

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

B

A

C

A

C

A

B

C

C

A

B

C

C

A

B

C

C

A

B

C

C

A

B

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003610

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

09/08/2022

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

09/08/2022

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

B

A

C

A

C

A

B

C

C

A

B

C

C

A

B

C

C

A

B

C

C

A

B

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003610

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

09/08/2022

Cleared

Property

UCDP Summary Report is Partially Provided or Inaccurate

The SSR indicator is Partial; Please provide UCDP CU Score as its missing from the file.

XX/XX/XXXX: Received UCDP Summaries, exception cleared.  ; Please provide UCDP CU Score as its missing from the file.

09/22/2022

The SSR indicator is Present

09/22/2022

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

B

A

A

A

B

A

C

A

C

A

B

C

C

A

B

C

C

A

B

C

C

A

B

C

C

A

B

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003611

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

09/14/2022

Cleared

Compliance

Higher-Priced Mortgage Loan Test

This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.

HPML compliant with guidelines; escrow established and appraisal received.

09/15/2022

09/15/2022

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003611

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

09/14/2022

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

09/14/2022

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003611

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

09/14/2022

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

09/14/2022

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003615

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

10/03/2022

Cleared

Compliance

Higher-Priced Mortgage Loan Test

This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.

HPML compliant with guidelines; escrow established and appraisal received.

10/04/2022

10/04/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003615

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

10/03/2022

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

10/03/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003615

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

10/04/2022

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

10/04/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003616

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

10/24/2022

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

10/25/2022

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.

10/28/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003616

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

10/24/2022

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

10/24/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003616

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

10/24/2022

Cleared

Compliance

Charges That Cannot Increase Test

This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §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).; Discount and Broker Fee increased on the LE XX/XX/XXXX, COC in fle however, no date as to when borrower was notified.

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).

10/28/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003616

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

10/24/2022

Cleared

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 $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.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.; Discount and Broker Fee increased on the LE XX/XX/XXXX, COC in fle however, no date as to when borrower was notified.

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, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.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.

10/28/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003616

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

10/24/2022

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

10/24/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003617

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

10/24/2022

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

10/25/2022

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.

10/25/2022

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003617

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

10/25/2022

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

10/25/2022

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003617

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

10/25/2022

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

10/25/2022

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003618

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

10/06/2022

Cleared

Compliance

Higher-Priced Mortgage Loan Test

This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.

HPML compliant with guidelines; escrow established and appraisal received.

10/07/2022

This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.

10/13/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003618

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

10/07/2022

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

10/07/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003618

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

10/06/2022

Cleared

Compliance

Charges That In Total Cannot Increase More Than 10% Test

This loan failed the charges that in total cannot increase more than 10% test.  (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($XXX) exceed the comparable charges ($XXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi).; A 10% violation is for the Mortgage Recording fee was fired. $XXX is needed to cure the violation. A cure was provided for $XXX on the final CD. No indication was provided if this amount was included as part of the cure. Please clarify this, in conjunction with the XXX% tolerance explanation provided in corresponding exception. If not included please provide a PCCD, LOX, refund of $XXX and proof of receipt.

This loan passed the charges that in total cannot increase more than 10% test.  (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% ($XXX) do not exceed the comparable charges ($XXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi).

10/13/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003618

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

10/06/2022

Cleared

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 $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.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.

Change status of 'Reimbursement Amount Test' from Active to Revoked.; Duplicate

10/06/2022

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, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.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.

10/13/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003618

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

10/06/2022

Cleared

Compliance

Charges That Cannot Increase Test

This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; There is a XXX% tolerance total variance for$XXX. This includes an increase of the title commitment fee from $XXX to $XXX, an increase of thetitle abstract fee from XXX to $XXX, the addition of a second title abstract fee for $XXX, an added Title recording service fee of $XXX, an increase of the settlement fee from $XXX to $XXX and a Title admin fee that increased from XXX to XXX. There was a cure provided on the final CD for XXX. But this amount is insuffiecient to cover the total variance.  Please provide valid COC with fees listed and explanation of what fees were cured. Or provide a PCCD with a refund for the additonal cure needed, LOX and proof of receipt.

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).

10/13/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003618

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

10/07/2022

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

10/07/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003620

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

10/24/2022

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

10/24/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

A

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

A

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A

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A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003620

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

10/24/2022

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

10/24/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003621

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

10/10/2022

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

10/11/2022

10/11/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003621

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

10/11/2022

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

10/11/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003621

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

10/11/2022

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

10/11/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003624

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

11/03/2022

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

11/04/2022

11/04/2022

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003624

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

11/04/2022

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

11/04/2022

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003624

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

11/04/2022

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

11/04/2022

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003638

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

11/28/2022

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

11/29/2022

11/29/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003638

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

11/28/2022

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

11/28/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003638

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

11/28/2022

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

11/28/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003640

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

11/30/2022

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

12/01/2022

12/01/2022

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

D

A

C

A

D

A

A

A

C

A

C

C

A

C

D

D

A

C

C

C

A

C

D

D

A

C

D

D

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003640

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

11/30/2022

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

11/30/2022

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

D

A

A

A

D

A

A

A

C

A

C

C

A

C

D

D

A

C

C

C

A

C

D

D

A

C

D

D

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003640

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

11/29/2022

Cleared

Credit

Flood Certificate is Missing

The flood certification is Missing

Rcvd Flood Cert.

12/08/2022

The flood certification is Present.  Exception Resolved.

12/08/2022

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

D

A

D

A

D

A

A

A

C

A

C

C

A

C

D

D

A

C

C

C

A

C

D

D

A

C

D

D

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003641

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

12/05/2022

Cured Post Close

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

12/06/2022

12/06/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003641

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

12/05/2022

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

12/05/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003641

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

12/05/2022

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

12/05/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003644

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

12/01/2022

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

12/02/2022

12/02/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003644

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

12/01/2022

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

12/01/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003644

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

12/01/2022

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

12/01/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003645

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

12/06/2022

Cured Post Close

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

12/07/2022

12/07/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003645

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

12/06/2022

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

12/06/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003645

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

12/06/2022

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

12/06/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003648

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

12/02/2022

Cured Post Close

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

12/05/2022

12/05/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003648

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

12/02/2022

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

12/02/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003648

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

12/02/2022

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

12/02/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003649

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

12/09/2022

Cured Post Close

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

12/12/2022

12/12/2022

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003649

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

12/09/2022

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

12/09/2022

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003649

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

12/09/2022

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

12/09/2022

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003651

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

12/12/2022

Cured Post Close

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

12/13/2022

12/13/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003651

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

12/12/2022

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

12/12/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003651

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

12/12/2022

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

12/12/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003657

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

12/21/2022

Cured Post Close

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

12/22/2022

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.

12/22/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003657

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

12/21/2022

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

12/21/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003657

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

12/21/2022

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

12/21/2022

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003659

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

12/28/2022

Cured Post Close

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

12/29/2022

12/29/2022

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003659

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

12/28/2022

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

12/28/2022

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003659

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

12/28/2022

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

12/28/2022

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003660

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

01/06/2023

Cleared

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

01/06/2023

Borrower has more than X years at current residence - Borrower at current residence XXX years

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003660

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

01/05/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

01/05/2023

Borrower has more than X years at current residence - Borrower at current residence XXX years

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003660

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

01/05/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

01/05/2023

Borrower has more than X years at current residence - Borrower at current residence XXX years

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003671

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

01/05/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

01/06/2023

01/06/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003671

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

01/05/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

01/05/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003671

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

01/05/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

01/05/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003672

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

01/12/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

01/13/2023

01/13/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003672

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

01/12/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

01/12/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003672

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

01/12/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

01/12/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003672

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

01/12/2023

Cleared

Compliance

Tex. Const. art. XVI  § 50(f)(2) - XXX F2 Notice for Non Home Equity was not provided

Tex. Const. art. XVI, § 50(f)(2) - XXX F2 Notice for Non Home Equity was not provided; Subject is a purchase loan and this was NA on purchases

XXX F2 Notice for Non Home Equity was provided

01/19/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003674

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

01/23/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

01/24/2023

01/24/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003674

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

01/24/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

01/24/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003674

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

01/24/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

01/24/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003692

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

02/01/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

02/02/2023

02/02/2023

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003692

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

02/01/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

02/01/2023

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003692

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

02/01/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

02/01/2023

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003695

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

02/01/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

02/02/2023

02/02/2023

Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003695

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

02/01/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

02/01/2023

Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003695

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

02/01/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

02/01/2023

Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003709

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

02/02/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

02/03/2023

02/03/2023

Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003709

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

02/02/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

02/02/2023

Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003709

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

02/03/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

02/03/2023

Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003711

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/15/2023

Cleared

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

02/15/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003711

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/15/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

02/15/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003711

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/15/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

02/15/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003712

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/03/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

02/06/2023

02/06/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003712

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/03/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

02/03/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003712

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/03/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

02/03/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003713

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/07/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

02/08/2023

02/08/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003713

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/07/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

02/07/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003713

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/07/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

02/07/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003714

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/07/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

02/08/2023

02/08/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003714

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/07/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

02/07/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003714

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/07/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

02/07/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003718

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/03/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

02/06/2023

02/06/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003718

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/03/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

02/03/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003718

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/03/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

02/03/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003720

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

02/02/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

02/03/2023

02/03/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003720

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

02/02/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

02/02/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003720

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

02/03/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

02/03/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003721

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/07/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

02/08/2023

02/08/2023

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003721

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/07/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

02/07/2023

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003721

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/07/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

02/07/2023

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003722

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

02/01/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

02/02/2023

02/02/2023

Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

C

A

A

A

C

A

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003722

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

02/01/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

02/01/2023

Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

C

A

A

A

C

A

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003722

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

02/01/2023

Cleared

Credit

Housing history does not meet guidelines

Housing history does not meet guidelines. File is missing payment history from XX/XX/XXXX to present for the 2nd lien.  Note in file reflects a balloon due on XX/XX/XXXX,in the event failed to pay in full implied agreement borrower to begin IO payments w/in 15 days of XX/XX/XXXX  Provide 12 month history of IO payments 0x30 to meet guideline requirement.

Received rebuttal email as the 2nd lien is a private lien with no month payments, therefore there would not payment history for this loan.  After a review of the Note, it has been conofirmed borrower wold not owe any housing history for the 2nd lien.

02/07/2023

Housing delinquency meets guidelines.  Exception Resolved.

02/07/2023

Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

C

A

A

A

C

A

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003722

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

02/01/2023

Cleared

Credit

Fraud Report Shows Uncleared Alerts

Fraud report shows the following alerts that have not been cleared:  File is missing evidence Lender cleared the High Alerts for NMLS loan broker being licensed and active.  File is also missing evidence hazard insurer was cleared via Freddie Exclusionary List.; Received Freddie Mac Exclusionary list for hazard insurance company XXX.  No Matches found.

Received NMLS broker licensed in XXX since XX/XX/XXXX to present, license XXX.  However, pending Freddie Max Exclusionary list search for hazard insurance insurer.  Exception Remains.; Received Freddie Mac Exclusionary list for hazard insurance company XXX.  No Matches found.

02/09/2023

Alerts from Fraud Report have been cleared.  Exception Resolved.

02/09/2023

Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

C

A

A

A

C

A

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003723

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/14/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

02/15/2023

02/15/2023

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003723

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/14/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

02/14/2023

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003723

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/14/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

02/14/2023

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003724

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/03/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

02/08/2023

02/08/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003724

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/03/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

02/03/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003724

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/03/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

02/03/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003724

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/03/2023

Cleared

Compliance

The file does not contain a complete copy of the Closing Disclosure.  Unable to fully test for TRID tolerance.

The file does not contain a complete copy of the Closing Disclosure.  Unable to fully test for TRID tolerance.; Final CD XX/XX/XXXX missing pg 2.  Unable to complete and run CE.

The file contains at least one complete copy of the Closing Disclosure. Page 2 provided as a trailing document

02/08/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003725

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/13/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

02/14/2023

02/14/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003725

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/13/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.; The loan meets all applicable credit guidelines.

The exception 'No Credit Findings' is cleared.

02/13/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003725

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/13/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

02/13/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003726

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/07/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

02/08/2023

02/08/2023

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003726

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/07/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

02/07/2023

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003726

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/07/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

02/07/2023

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003728

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/07/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

02/08/2023

02/08/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003728

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/07/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

02/07/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003728

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/07/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

02/07/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003730

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/10/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

02/13/2023

02/13/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003730

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/10/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

02/10/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003730

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/10/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

02/10/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003732

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/13/2023

Cured Post Close

Compliance

Charges That In Total Cannot Increase More Than 10% Test

This loan failed the charges that in total cannot increase more than 10% test.  (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($XXX) exceed the comparable charges ($XXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi).; XX/XX/XXXX -- Applied PCCD XX/XX/XXXX, LOE, copy of refund check and proof of shipment from the client. Confirmed Packaged delivered XX/XX/XXXX per XXX Tracking #XXX. Exception cured post close; TILA 130b Cure Required.  Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The 10% tolerance violation in the amount of $XXX is due to Title Endorsement and Title Deed Preparation fees added and the increase in the Title Settlement Closing Fee. No COC was found in the file to explain the reason for the increase on the Initial CD.

Received copy of PCCD XX/XX/XXXX, LOE, copy of refund check and proof of shipment from the client.; Change status of 'Charges That In Total Cannot Increase More Than XXX% Test' from Cleared to Cured Post Close.; XX/XX/XXXX -- Applied PCCD XX/XX/XXXX, LOE, copy of refund check and proof of shipment from the client. Confirmed Packaged delivered XX/XX/XXXX per XXX Tracking #XXX. Exception cured post close

03/02/2023

This loan passed the charges that in total cannot increase more than 10% test.  (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% ($XXX) do not exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi).

03/02/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

B

C

B

A

A

A

A

C

B

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

100003732

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/13/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

02/13/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

B

A

A

A

A

A

A

C

B

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

100003732

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/13/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

02/13/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

B

A

A

A

A

A

A

C

B

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

100003732

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/13/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/02/2023

03/02/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

B

C

A

A

A

A

A

C

B

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

100003733

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/13/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

02/14/2023

02/14/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003733

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/13/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

02/13/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003733

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/13/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

02/13/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003736

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/07/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

02/08/2023

02/08/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003736

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/07/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

02/07/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003736

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/07/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

02/07/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003739

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/17/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

02/20/2023

02/20/2023

Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003739

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/17/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

02/17/2023

Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003739

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/17/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

02/17/2023

Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003740

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/10/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

02/13/2023

02/13/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003740

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/10/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

02/10/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003740

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/10/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

02/10/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003744

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/07/2023

Cleared

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

02/07/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003744

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/07/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

02/07/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003744

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/07/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

02/07/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003745

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/13/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

02/14/2023

02/14/2023

Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003745

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/13/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

02/13/2023

Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003745

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/13/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

02/13/2023

Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003746

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/06/2023

Cleared

Credit

Borrower residency documentation not provided or issue with documentation

Missing permanent residence documentation. Driver's license in file indicates borrower is a XXX based on the gold star on the top right of the ID, however, borrower selected permanent residence option for citizenship on 1003, hence the request for supporting documentation.

Received XXX Department of Highway Safety and Motor Vehicles with provides information on what RealID means with the gold star on XXX State Driver's license.  The borrower's driver's license in file reflects a gold star on top right and per Homeland Security as of XX/XX/XXXX was the enforcement of real ID and can be accepted Nationwide.  In order to obtain RealID borrower had to provide proof of citizenship.

02/15/2023

Borrower residency documentation has been provided and there are no issues with documentation.  Exception Resolved.

02/15/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

C

A

C

A

A

A

C

A

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003746

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/06/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

02/07/2023

02/07/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

C

A

C

A

A

A

C

A

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003746

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/06/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

02/06/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

A

A

C

A

A

A

C

A

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003747

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/17/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

02/20/2023

02/20/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003747

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/17/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

02/17/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003747

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/17/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

02/17/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003750

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/17/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

02/20/2023

02/20/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003750

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/17/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

02/17/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003750

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/17/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

02/17/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003751

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

02/02/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

02/03/2023

02/03/2023

C

A

C

A

C

A

A

A

C

A

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003751

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

02/02/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

02/02/2023

C

A

A

A

C

A

A

A

C

A

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003751

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

02/02/2023

Cleared

Credit

Asset Documents are Incomplete

Asset Documents are Incomplete: File is missing evidence gift funds of $ $XXX wired directly to closing from gifter's listed financial institution listed.

Received gift letter and evidence of funds transferred directly to Settlement Company.

02/08/2023

Exception Resolved.

02/08/2023

C

A

C

A

C

A

A

A

C

A

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003751

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

02/02/2023

Cleared

Credit

Insufficient cash to close.

Cash to close in the amount of XXX is greater than the available asset amount of XXX.; Final Settlement Statement/Closing Disclosure reflect funds to close of $XXX earnest money, $XXX  gift funds, $XXX second gift of funds and $XXX in funds to close.  File is missing  all evidence of a 2nd gift in the amount of $XXX resulting in the short cash to close.

Received gift letter and evidence of funds transferred directly to Settlement Company.; Final Settlement Statement/Closing Disclosure reflect funds to close of $XXX earnest money, $XXX  gift funds, $XXX second gift of funds and $XXX in funds to close.  File is missing  all evidence of a 2nd gift in the amount of $XXX resulting in the short cash to close.

02/08/2023

Sufficient cash to close is documented.  Exception Resolved.

02/08/2023

C

A

C

A

C

A

A

A

C

A

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003751

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

02/02/2023

Cleared

Credit

Liquid Reserves are less than Guidelines Required

The liquid reserves of -XXX months or $-XXX, are less than the Guidelines minimum required of XXX or $XXX.

Received gift letter and evidence of funds transferred directly to Settlement Company.

02/08/2023

The liquid reserves of XXX months or $XXX, is greater than or equal to the Guidelines minimum required of XXX or $XXX.

02/08/2023

C

A

C

A

C

A

A

A

C

A

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003755

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/17/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

02/20/2023

02/20/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003755

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/17/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

02/17/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003755

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/17/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

02/17/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003759

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/20/2023

Cleared

Compliance

Original PI Payment on Note does not equal PI Payment on Final Closing Disclosure

The principal and interest payment on the Final Closing Disclosure does not match the original principal and interest payment payment  (XXX) on the Note. From Hard Coded form in template: 'Closing Disclosure' at XX/XX/XXXX, 'Closing Disclosure' at XX/XX/XXXX

Change status of 'Original PI Payment on Note does not equal PI Payment on Final Closing Disclosure' from Active to Revoked.; The payment on the final CD matches the payment on the Note.

02/20/2023

Original PI Payment on Note matches Final CD

05/02/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003759

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/20/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

02/21/2023

02/21/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003759

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/20/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

02/20/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003759

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/20/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

02/20/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003761

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/24/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

02/27/2023

02/27/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003761

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/27/2023

Cleared

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

02/27/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003761

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/24/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

02/24/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003761

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/24/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

02/24/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003765

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/23/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

02/24/2023

02/24/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003765

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/23/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

02/23/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003765

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/23/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

02/23/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003769

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/22/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

02/23/2023

02/23/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003769

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/22/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

02/22/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003769

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/22/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

02/22/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003771

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/15/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

02/16/2023

02/16/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003771

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/15/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

02/15/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003771

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/15/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

02/15/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003772

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/01/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/02/2023

03/02/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003772

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/01/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/01/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003772

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/01/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/01/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003773

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

02/27/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/02/2023

03/02/2023

D

A

C

A

C

A

D

A

C

A

C

C

C

C

D

C

D

C

C

C

C

C

D

C

D

C

D

C

D

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003773

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

02/28/2023

Cleared

Credit

Asset Documents are Incomplete

Asset Documents are Incomplete:  Cash to close $XXX was sent from the borrower's account ending in # XXX, this account had a verified balance of $XXX at last update.  Borrower' liquid assets in total were less than $XXX.  Lender to provide source of funds used to support the total cash to close.; The XXX reflects a $XXX was withdrawn on XX/XX/XXXX and $XXX total cash on XX/XX/XXXX.  The $XXX was wired to XXX bank account.  The XXX checking reflects the deposit of the $XXX from XXX Brokage account on XX/XX/XXXX, which increased the borrower's balance and had ending balance of $XXX as of XX/XX/XXXX, which was sufficient to pay all closing costs.

Received XXX Mutual account dated XX/XX/XXXX and XXX Checking Account #XXX dated XX/XX/XXXX.  ; The XXX reflects a $XXX was withdrawn on XX/XX/XXXX and $XXX total cash on XX/XX/XXXX.  The $XXX was wired to XXX bank account.  The XXX checking reflects the deposit of the $XXX from XXX Brokage account on XX/XX/XXXX, which increased the borrower's balance and had ending balance of $XXX as of XX/XX/XXXX, which was sufficient to pay all closing costs.

03/08/2023

Evidence provided confirming borrower had sufficient liquid funds to pay total closing costs of $XXX and meet reserve requirements.  Exception Resolved.

03/08/2023

D

A

C

A

C

A

D

A

C

A

C

C

C

C

D

C

D

C

C

C

C

C

D

C

D

C

D

C

D

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003773

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

02/28/2023

Cleared

Property

Origination Appraisal is Partial

Origination Appraisal is Partial. Appraisal reflects a purchase price for subject as  $XXX and no seller concession.   The final sales price was $ XXX and a seller concession of $XXX was added to the contract.  Appraiser to provided addenda after review of the updated sales contract terms .  The Appraiser completed the Appraisal on XX/XX/XXXX the contract reflecting final sales price of $XXX was accepted by the buyer on XX/XX/XXXX.

Received updated Appraisal and SSRs reflecting correct sales price and seller concessions per contract executed on XX/XX/XXXX

03/08/2023

Origination appraisal is Present.  Exception Resolved.

03/08/2023

D

A

D

A

C

A

D

A

C

A

C

C

C

C

D

C

D

C

C

C

C

C

D

C

D

C

D

C

D

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003773

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

02/27/2023

Cleared

Compliance

Initial Closing Disclosure Delivery Date Test

This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation.; XX/XX/XXXX-- Tested Initial CD dated XX/XX/XXXX from client for testing. Exception cleared; Documention required - Missing Initial CD

Recd PCCD dated XX/XX/XXXX from client for testing; XX/XX/XXXX-- Tested Initial CD dated XX/XX/XXXX from client for testing. Exception cleared; Documention required - Missing Initial CD

03/02/2023

This loan passed the initial closing disclosure delivery date test.( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is 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 initial 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 initial closing disclosure receipt date is provided and the initial 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.The creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation.

03/02/2023

D

A

C

A

C

A

D

A

C

A

C

C

C

C

D

C

D

C

C

C

C

C

D

C

D

C

D

C

D

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003774

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/20/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

02/21/2023

02/21/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003774

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/20/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

02/20/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003774

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/20/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

02/20/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003775

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/01/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/02/2023

03/02/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003775

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/01/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/01/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003775

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/01/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/01/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003776

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/28/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/01/2023

03/01/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003776

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/01/2023

Cleared

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

03/01/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003776

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/28/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

02/28/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003776

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/28/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

02/28/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003777

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/27/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

02/28/2023

02/28/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003777

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/27/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

02/27/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003777

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/27/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

02/27/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003786

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/03/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/20/2023

03/20/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003786

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/03/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/03/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003786

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/03/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/03/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003786

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/03/2023

Cleared

Compliance

Charges That Cannot Increase Test

This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §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).; XX/XX/XXXX - Exception cleared upon document submission.; TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, and copy of refund check, or valid COC. The zero tolerance in the amount of $XXX is due to an addition of Title-Electornic Recording fee on the final CD XX/XX/XXXX with out a valid COC.

XX/XX/XXXX - Received PCCD dated XX/XX/XXXX; Change status of 'Charges That Cannot Increase Test' from Active to Open Rebuttal.; PCCD provided; XX/XX/XXXX - Exception cleared upon document submission.; TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, and copy of refund check, or valid COC. The zero tolerance in the amount of $XXX is due to an addition of Title-Electornic Recording fee on the final CD XX/XX/XXXX with out a valid COC.

03/20/2023

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).

03/20/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003786

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/03/2023

Cleared

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.

XX/XX/XXXX PCCD provided; Change status of 'Consummation or Reimbursement Date Validation Test' from Active to Revoked.; Duplicate exception tied to tolerance violation.

03/20/2023

This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested

03/20/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003786

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/03/2023

Cleared

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 $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.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.

XX/XX/XXXX PCCD provided; Change status of 'Reimbursement Amount Test' from Active to Revoked.; Duplicate exception tied to tolerance violation.

03/20/2023

This compliance test 'Reimbursement Amount Test' is no longer tested

03/20/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003791

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/24/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

02/27/2023

02/27/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003791

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/27/2023

Cleared

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

02/27/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

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C

C

A

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C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003791

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/24/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

02/24/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003791

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/24/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

02/24/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003793

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/01/2023

Cleared

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

03/01/2023

Borrower has more than X years at current residence - Borrower at current residence XXX years

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

A

A

A

A

A

A

100003793

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/28/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

02/28/2023

Borrower has more than X years at current residence - Borrower at current residence XXX years

A

A

A

A

A

A

A

A

A

A

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A

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A

A

A

A

A

A

A

A

100003793

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/28/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

02/28/2023

Borrower has more than X years at current residence - Borrower at current residence XXX years

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

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A

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A

A

A

A

A

A

A

A

A

A

A

A

100003800

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/02/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/03/2023

03/03/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003800

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/02/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/02/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003800

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/02/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/02/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003801

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/27/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

02/28/2023

02/28/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003801

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/27/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

02/27/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003801

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/27/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

02/27/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003802

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/06/2023

Cured Post Close

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/07/2023

03/07/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003802

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/06/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/06/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003802

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/06/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/06/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003805

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/23/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

02/24/2023

02/24/2023

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003805

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/23/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

02/23/2023

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003805

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/23/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

02/23/2023

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003806

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

03/07/2023

Cleared

Credit

Fraud Report Shows Uncleared Alerts

Fraud report shows the following alerts that have not been cleared: Lender to provide details on the dispostion of loan ending in xxx in process.

Received Encompass lender system screen shot reflecting the search of the other loan application XXX, which reflects the application has been denied and no longer active as of XX/XX/XXXX

03/13/2023

Alerts from Fraud Report have been cleared.  Evidence provided other loan application with subject lender was denied as of XX/XX/XXXX.  Exception Resolved.

03/13/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

B

C

A

C

B

A

A

C

A

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

100003806

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

03/07/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/08/2023

03/08/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

B

C

A

C

B

A

A

C

A

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

100003806

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

03/07/2023

Acknowledged

Credit

Co-Borrower residency documentation not provided or issue with documentation

Co-Borrower residency documentation not provided or issue with documentation. File is missing required copy of XXX evidencing an expiration date greater than 1 year from the note date..  File contained a copy of an XXX, however that is not acceptable per guidelines.

Exception downgraded to a level XX/XX/XXXX.; Received XXX Exception Request Form granting an exception for B2 residency verification document as XXX in lieu of XXX Card.  The Advance Parole Card is good through XX/XX/XXXX but normally not an acceptable document.  However, lender granted exception and requested a level 2/B downgrade, with the following compensating factors provided by lender; Excellent credit history, perfect payment history of XXX liabilities, history established XXX, excessinve reserves, XXX-months extra reserves vs. reserve requirement of XXX-months.

03/14/2023

03/14/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

B

C

B

C

B

A

A

C

A

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

100003806

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

03/07/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/07/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

B

A

A

C

B

A

A

C

A

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

100003807

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/07/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/08/2023

03/08/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003807

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/08/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/08/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003807

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/07/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/07/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003812

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/07/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/08/2023

03/08/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003812

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/07/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/07/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003812

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/07/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/07/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003813

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/28/2023

Cleared

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

02/28/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003813

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/28/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.; The loan meets all applicable credit guidelines.

The exception 'No Credit Findings' is cleared.

03/01/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003813

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/28/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

02/28/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003814

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/01/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/02/2023

03/02/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003814

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/01/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/01/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003814

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/01/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/01/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003815

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

03/07/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/08/2023

03/08/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003815

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

03/07/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/07/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003815

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

03/07/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/07/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003818

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/03/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/06/2023

03/06/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003818

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/06/2023

Cleared

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

03/06/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003818

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/02/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/02/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003818

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/02/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/02/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003821

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/08/2023

Cleared

Compliance

NC RSHL Average Prime Offer Rate APR Threshold Exceeded

This loan exceeded the average prime offer rate APR threshold.The difference between the greater of the disclosed APR and the calculated APR, and the average prime offer rate is greater than or equal to one of the following:The loan is a first lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.All thresholds (Modified HMDA APR Threshold, Conventional Mortgage Rate APR Threshold, and Average Prime Offer Rate APR Threshold) must be met or exceeded in order for the loan to be a "rate spread home loan," subjecting the loan to rate spread home loan limitations.; XX/XX/XXX - Received client inquiry on validity and exemption. ; Based on XXX Office XXX - tested for loan amount <$XXX, borrower is a natural person and this is a primary residence.  ; Based on XXX Office XXX - tested for loan amount <$XXX, borrower is a natural person and this is a primary residence.  Loan is considered a Rate Spread home loan based on XXX Gen Stat 24-1.1F. Mavent provided shows loan is also a XXX rate spread home loan. Cure would require a reduction in the APR to below XXX%

XX/XX/XXXX - Mavent provided - Based on XXX Office XXX - tested for loan amount &lt;$XXX, borrower is a natural person and this is a primary residence.  Loan is considered a Rate Spread home loan based on XXX Gen Stat 24-1.1F. Mavent provided shows loan is also a XXX rate spread home loan. Cure would require a reduction in the APR to below XXX%; Change status of 'XXX RSHL Average Prime Offer Rate APR Threshold Exceeded' from Cured Post Close to Cleared.; .; Change status of 'XXX RSHL Average Prime Offer Rate APR Threshold Exceeded' from Open Rebuttal to Cured Post Close.; XX/XX/XXXX - Lender exempt from RSHL based on CDFI approved entity and non-QM status of loan.

03/17/2023

03/17/2023

D

A

C

A

A

A

D

A

C

A

D

A

D

C

D

A

D

C

D

A

D

C

D

A

D

C

D

A

D

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003821

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/07/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/07/2023

D

A

A

A

A

A

D

A

C

A

D

A

D

C

D

A

D

C

D

A

D

C

D

A

D

C

D

A

D

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003821

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/07/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/08/2023

03/08/2023

D

A

C

A

A

A

D

A

C

A

D

A

D

C

D

A

D

C

D

A

D

C

D

A

D

C

D

A

D

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003821

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/07/2023

Cleared

Property

Third Party Valuation Product Not Provided

; Desk Review supports value, as there is no variance, no other issues noted, value $XXX, sales price of $XXX Third Party Valuation Product Not Provided and CU Score is XXX and FHLMC Collateral Rep & Warrant Relief is Not Eligible.  Missing the Third Party Valuations as required per guidelines.

Received Desk Review completed on XX/XX/XXXX.; Desk Review supports value, as there is no variance, no other issues noted, value $XXX, sales price of $XXX.; Third Party Valuation Product Not Provided and CU Score is XXX and FHLMC Collateral Rep &amp; Warrant Relief is Not Eligible.  Missing the Third Party Valuations as required per guidelines.

03/13/2023

Third Party Valuation Product Provided.  Exception Resolved.

03/13/2023

D

A

D

A

A

A

D

A

C

A

D

A

D

C

D

A

D

C

D

A

D

C

D

A

D

C

D

A

D

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003824

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

02/27/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

02/28/2023

02/28/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003824

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

02/27/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

02/27/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003824

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

02/27/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

02/27/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003827

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/28/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

02/28/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

D

A

A

A

D

A

A

A

A

A

C

C

A

A

D

D

A

A

C

C

A

A

D

D

A

A

D

D

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003827

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/28/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

02/28/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

D

A

A

A

D

A

A

A

A

A

C

C

A

A

D

D

A

A

C

C

A

A

D

D

A

A

D

D

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003827

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/28/2023

Cleared

Credit

Flood Insurance Policy is Missing

The flood insurance policy is Missing; The flood insurance policy is Missing

Received Flood Insurance for subject property.

03/06/2023

The flood insurance policy is Present.  Exception Resolved.

03/06/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

D

A

D

A

D

A

A

A

A

A

C

C

A

A

D

D

A

A

C

C

A

A

D

D

A

A

D

D

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003830

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/14/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/15/2023

03/15/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003830

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/15/2023

Cleared

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

03/15/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003830

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/14/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/14/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003830

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/14/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/14/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003830

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/14/2023

Cleared

Compliance

O.C.G.A. § 7-6a-2(12)(G)(ii)  - Attorney Preference  Right to Choose Attorney disclosure was not provided

O.C.G.A. § 7-6a-2(12)(G)(ii)  - Attorney Preference, Right to Choose Attorney disclosure was not provided

Attorney Preference, Right to Choose Attorney disclosure was provided

03/15/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

B

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003831

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/15/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/16/2023

03/16/2023

Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003831

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/16/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/16/2023

Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003831

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/16/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/16/2023

Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003832

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/07/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/08/2023

03/08/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003832

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/07/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/07/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003832

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/07/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/07/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003833

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/09/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/10/2023

03/10/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003833

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/09/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/09/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003833

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/09/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/09/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003834

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/15/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/16/2023

03/16/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003834

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/15/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/15/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003834

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/15/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/15/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003836

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

03/08/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/08/2023

03/08/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

B

A

C

A

A

A

B

A

C

C

A

B

C

C

A

B

C

C

A

B

C

C

A

B

C

C

A

B

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003836

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

03/07/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/07/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

C

A

A

A

B

A

C

C

A

B

C

C

A

B

C

C

A

B

C

C

A

B

C

C

A

B

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003836

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

03/07/2023

Cleared

Credit

Liquid Reserves are less than Guidelines Required

The liquid reserves of XXX months or $XXX, are less than the Guidelines minimum required of XXX or $XXX. ; CPA letter in loan file stating borrower is XXX% owner of XXX and withdraw of funds wil not have a financial burdern on company.  Further, borrower is XXX% owner of XXX.  Only utilizing XXX% of balance from this account.

Driver's license of Donor was provided reflecting the donor has same name but they are two different individuals.  A star on top right of driver license, means identiy was verified and drivers can be used internationally per homeland security. ; CPA letter in loan file stating borrower is XXX% owner of XXX and withdraw of funds wil not have a financial burdern on company.  Further, borrower is XXX% owner of XXX.  Only utilizing XXX% of balance from this account.

03/13/2023

The liquid reserves of XXX months or $XXX, is greater than or equal to the Guidelines minimum required of XXX or $XXX.  Sufficient Funds verified.  Exception Resolved.

03/13/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

C

A

A

A

B

A

C

C

A

B

C

C

A

B

C

C

A

B

C

C

A

B

C

C

A

B

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003836

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

03/07/2023

Cleared

Credit

Asset Documents are Incomplete

Asset Documents are Incomplete:  Missing gift letter for the additional $XXX from 2nd donor.  Gift Letter in file lists borrower as the donor and receiver to total the complete $XXX deposit from the business account ending in XXX. File is missing evidence the gifters are associated/have ownership access to business account providing the gift.; The borrower and donor have the same name but are two different individuals.  Drivers license provided for donor reflects donor is 10 years older than borrower. Different primary residence also ID has the gold star on top right.  Therefore, no need for evidence or having ownership to business account.  The borrower owns a business account, which is the account donor with same name sent funds to.  A VOD in file was also provided on this account and clearly shows borrower is owner of this accounts.

Received 2nd gift letter and Driver's license of Donor.; The borrower and donor have the same name but are two different individuals.  Drivers license provided for donor reflects donor is XXX older than borrower. Different primary residence also ID has the gold star on top right.  Therefore, no need for evidence or having ownership to business account.  The borrower owns a business account, which is the account donor with same name sent funds to.  A VOD in file was also provided on this account and clearly shows borrower is owner of this accounts.

03/13/2023

CPA in file as well, stating borrower is XXX% owner of XXX and withdraw from account will not have a finiancial burder of the company.  Further, the borrower is XXX% owner of XXX XXX. Therefore, only utilizing XXX% of balance.  Borrower had sufficient funds to pay closing costs and meet reserve requirements.  Exception Resolved.

03/13/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

C

A

A

A

B

A

C

C

A

B

C

C

A

B

C

C

A

B

C

C

A

B

C

C

A

B

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003837

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/14/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/15/2023

03/15/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003837

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/15/2023

Cleared

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

03/15/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003837

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/14/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/14/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003837

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/14/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/14/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003838

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/10/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/13/2023

03/13/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003838

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/10/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/10/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003838

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/10/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/10/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003841

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/15/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/16/2023

03/16/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003841

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/15/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/15/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003841

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/15/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/15/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003842

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/20/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/21/2023

03/21/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003842

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/20/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/20/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003842

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/20/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/20/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003843

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/20/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/21/2023

03/21/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003843

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/20/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/20/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003843

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/20/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/20/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003844

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/13/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/14/2023

03/14/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003844

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/13/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/13/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003844

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/13/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/13/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003847

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/08/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/09/2023

03/09/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003847

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/09/2023

Cleared

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

03/09/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003847

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/08/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/08/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003847

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/08/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/08/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003848

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/20/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/21/2023

03/21/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003848

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/20/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/20/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003848

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/20/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/20/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003853

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/17/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/20/2023

03/20/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003853

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/17/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/17/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003853

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/17/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/17/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003854

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/13/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/14/2023

03/14/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003854

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/13/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/13/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003854

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/13/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/13/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003855

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/03/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/03/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003855

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/03/2023

Cleared

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

03/03/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003855

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/03/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/03/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003857

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/17/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/20/2023

03/20/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003857

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/17/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/17/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003857

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/17/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/17/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003858

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/10/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/13/2023

03/13/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003858

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/10/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/10/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003858

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/10/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/10/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003860

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/14/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/15/2023

03/15/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003860

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/15/2023

Cleared

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

03/15/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003860

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/14/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/14/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003860

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/14/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/14/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003861

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

03/10/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/13/2023

03/13/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003861

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

03/13/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/13/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003861

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

03/13/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/13/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003862

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/15/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/16/2023

03/16/2023

Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003862

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/14/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/14/2023

Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003862

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/14/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/14/2023

Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003863

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/16/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/17/2023

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.

03/17/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003863

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/16/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/16/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003863

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/16/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/16/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003865

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

03/10/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/13/2023

03/13/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003865

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

03/10/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/10/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003865

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

03/10/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/10/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003867

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/10/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/13/2023

03/13/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003867

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/10/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/10/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003867

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/10/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/10/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003868

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/17/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/20/2023

03/20/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003868

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/17/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/17/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003868

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/17/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/17/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003869

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/15/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/16/2023

03/16/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003869

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/14/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/14/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003869

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/14/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/14/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003870

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/21/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/22/2023

03/22/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003870

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/21/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/21/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003870

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/21/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/21/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003874

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/16/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/16/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003874

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/16/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/16/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003874

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/16/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/17/2023

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.

03/17/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003876

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

03/10/2023

Cured Post Close

Compliance

Charges That Cannot Increase Test

This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §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).; Cure Required: Title Electronic Recording Fee $XXX, added on CD XX/XX/XXXX, Provider Clerk of Superior not listed on Service Provider list, Please provide COC or proof a refund was issued

XX/XX/XXXX - Received PCCD and client inquiry as to tolerance violation. ; Change status of 'Charges That Cannot Increase Test' from Cleared to Cured Post Close.; Received updared PCCD form lender, Exception cured post close.

03/17/2023

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).

03/17/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

B

C

B

A

A

A

A

C

B

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

100003876

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

03/10/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/10/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

B

A

A

A

A

A

A

C

B

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

100003876

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

03/10/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/10/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

B

A

A

A

A

A

A

C

B

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

100003876

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

03/17/2023

Cleared

Compliance

TRID Initial Closing Disclosure Date and Post-Consummation Event Requiring Redisclosure Validation Test

This loan failed the TRID initial closing disclosure date and post-consummation event requiring redisclosure date validation test.This loan contains an initial closing disclosure receipt date (or initial closing disclosure delivery date if receipt date was not provided) that is after the post-consummation event requiring redisclosure date. Please review the loan data to ensure the dates are in the correct fields.

This compliance test 'TRID Initial Closing Disclosure Date and Post-Consummation Event Requiring Redisclosure Validation Test' is no longer tested

03/17/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

B

C

A

A

A

A

A

C

B

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

100003876

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

03/17/2023

Cleared

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.

This compliance test 'TRID Post-Consummation Reason for Redisclosure Validation Test' is no longer tested

03/17/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

B

C

A

A

A

A

A

C

B

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

100003876

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

03/10/2023

Cleared

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.; Cure Required: Title Electronic Recording Fee $XXX, added on CD XX/XX/XXXX, Provider Clerk of Superior not listed on Service Provider list, Please provide COC or proof a refund was issued

Duplicate; Cure Required: Title Electronic Recording Fee $XXX, added on CD XX/XX/XXXX, Provider Clerk of Superior not listed on Service Provider list, Please provide COC or proof a refund was issued

03/13/2023

This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested

03/17/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

B

C

A

A

A

A

A

C

B

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

100003876

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

03/10/2023

Cleared

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, $XXX.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.; Cure Required: Title Electronic Recording Fee $XXX, added on CD XX/XX/XXXX, Provider Clerk of Superior not listed on Service Provider list, Please provide COC or proof a refund was issued

Duplicate; Cure Required: Title Electronic Recording Fee $XXX, added on CD XX/XX/XXXX, Provider Clerk of Superior not listed on Service Provider list, Please provide COC or proof a refund was issued

03/13/2023

This compliance test 'Reimbursement Amount Test' is no longer tested

03/17/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

B

C

A

A

A

A

A

C

B

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

100003876

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Closed

03/17/2023

Cleared

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.

This compliance test 'TRID Post-Consummation Event Validation Test' is no longer tested

03/17/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

B

C

A

A

A

A

A

C

B

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

100003877

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/21/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/22/2023

03/22/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003877

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/21/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/21/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003877

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/21/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/21/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003883

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/17/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/20/2023

03/20/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003883

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/17/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/17/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003883

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/17/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/17/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003886

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/22/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/22/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003886

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/23/2023

Cleared

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

03/23/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003886

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/22/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/22/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003888

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/22/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/23/2023

03/23/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003888

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/22/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/22/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003888

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/22/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/22/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003889

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/15/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/16/2023

03/16/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003889

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/15/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/15/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003889

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/15/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/15/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003890

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/27/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/28/2023

03/28/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003890

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/27/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/27/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003890

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/27/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/27/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003891

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/22/2023

Cleared

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

03/22/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003891

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/21/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/21/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003891

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/21/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/21/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003895

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/23/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/24/2023

03/24/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003895

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/23/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/23/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003895

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/23/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/23/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003896

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/22/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/23/2023

03/23/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003896

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/22/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/22/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003896

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/22/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/22/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003899

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/24/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/27/2023

03/27/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003899

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/24/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/24/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003899

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/24/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/24/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003900

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/17/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/20/2023

03/20/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003900

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/17/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/17/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003900

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/17/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/17/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003901

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/27/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/30/2023

03/30/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003901

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/27/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/27/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003901

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/27/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/27/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003901

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/27/2023

Cleared

Compliance

Initial Closing Disclosure Delivery Date Test

This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation.; Cure Required - Need evidence the borrower acknowledged receipt of the initial CD XX/XX/XXXX.

XX/XX/XXXX - Received evidence of Initial Closing Disclosure delivery date. ; Cure Required - Need evidence the borrower acknowledged receipt of the initial CD XX/XX/XXXX

03/30/2023

This loan passed the initial closing disclosure delivery date test.( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is 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 initial 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 initial closing disclosure receipt date is provided and the initial 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.The creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation.

03/30/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003903

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/22/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/23/2023

03/23/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003903

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/21/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/21/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003903

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/21/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/21/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003905

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/30/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/31/2023

03/31/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003905

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/30/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/30/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003905

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/30/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/30/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003906

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/21/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/22/2023

03/22/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003906

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/21/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/21/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003906

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/21/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/21/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003908

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/13/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/14/2023

03/14/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003908

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/13/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/13/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003908

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/13/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/13/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003909

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/20/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/21/2023

03/21/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003909

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/20/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/20/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003909

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/20/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/20/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003910

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/03/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/03/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003910

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/04/2023

Cleared

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

04/04/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003910

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/03/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.; The loan meets all applicable credit guidelines.

The exception 'No Credit Findings' is cleared.

04/03/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003911

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/27/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/28/2023

03/28/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003911

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/27/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/27/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003911

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/27/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/27/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003913

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/28/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/29/2023

03/29/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003913

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/28/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/28/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003913

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/28/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/28/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003915

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/03/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/04/2023

04/04/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003915

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/03/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/03/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003915

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/03/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/03/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003917

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/24/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/27/2023

03/27/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003917

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/24/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/24/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003917

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/24/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/24/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003918

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/24/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/27/2023

03/27/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003918

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/24/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/24/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003918

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/24/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/24/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003919

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/30/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/31/2023

03/31/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003919

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/30/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/30/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003919

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/30/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/30/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003920

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/03/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/04/2023

04/04/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003920

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/03/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/03/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003920

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/03/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/03/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003921

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/17/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/27/2023

03/27/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003921

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/17/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/17/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003921

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/17/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/17/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003921

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/17/2023

Cleared

Compliance

Charges That In Total Cannot Increase More Than 10% Test

This loan failed the charges that in total cannot increase more than 10% test.  (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi).; XX/XX/XXXX - Received client rebuttal inquiring on cure provided at time of consummation of $XXX. ; XX/XX/XXXX - re-review of file confirms 10% tolerance violation. ; TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid COC. The XXX% tolerance violation, in the amount of $XXX, is due to increase in Title Settlement fee from $XXX to $XXX, Electronic Document fee of $XXX Wire fee of $XXX. Fees exceed 10% tolerance.

XX/XX/XXXX - PCCD provided; XX/XX/XXXX - Received client rebuttal inquiring on cure provided at time of consummation of $XXX. ; XX/XX/XXXX - re-review of file confirms 10% tolerance violation. ; TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid COC. The 10% tolerance violation, in the amount of $XXX, is due to increase in Title Settlement fee from $XXX to $XXX, Electronic Document fee of $XXX Wire fee of $XXX. Fees exceed 10% tolerance.

03/27/2023

This loan passed the charges that in total cannot increase more than 10% test.  (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($XXX) do not exceed the comparable charges ($XXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi).

03/27/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003928

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/10/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/11/2023

04/11/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003928

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/11/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/11/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003928

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/11/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/11/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003929

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/12/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/13/2023

04/13/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003929

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/13/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/13/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003929

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/13/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/13/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003930

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/28/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/29/2023

03/29/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003930

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/28/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/28/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003930

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/28/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/28/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003933

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/06/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/06/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003933

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/06/2023

Cleared

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

04/06/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003933

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/06/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/06/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003934

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/24/2023

Cleared

Compliance

CA AB 260 Higher-Priced Mortgage Loan Test

This loan failed the CA AB 260 higher-priced mortgage loan test.  (XXX AB 260, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.; HPML with established escrow and appraisal requirements met

HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. ; .

03/27/2023

03/27/2023

Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003934

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/24/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/24/2023

Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003934

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/24/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/24/2023

Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003935

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/04/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/05/2023

04/05/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003935

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/04/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/04/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003935

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/04/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/04/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003939

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/29/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/30/2023

03/30/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003939

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/29/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/29/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003939

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/29/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/29/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003940

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/22/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/23/2023

03/23/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003940

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/22/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/22/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003940

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/22/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/22/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003942

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/03/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/04/2023

04/04/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003942

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/03/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/03/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003942

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/03/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/03/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003943

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/23/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/24/2023

03/24/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003943

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/23/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/23/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003943

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/23/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/23/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003945

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/10/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/11/2023

04/11/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003945

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/10/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/10/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003945

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/10/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/10/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003946

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/23/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/24/2023

03/24/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003946

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/23/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/23/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003946

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/23/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/23/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003947

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/29/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/30/2023

03/30/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003947

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/29/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/29/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003947

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/29/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/29/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003949

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/30/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/31/2023

03/31/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003949

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/30/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/30/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003949

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/30/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/30/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003953

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/31/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/03/2023

04/03/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003953

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/31/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/31/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003953

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/31/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/31/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003956

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/07/2023

Cleared

Credit

Asset Documents are Incomplete

Missing Bank Statement for XXX #XXX. Title Company provided incoming wire of $XXX from Donor's XXX account #XXX.

XX/XX/XXXX - Client Rebuttal - There are two gifts; two gift letters and two receipts from Title showing funds from donor, received.

04/12/2023

XX/XX/XXXX - Title company confirmed receipt of sufficient funds to close. Exception cleared.

04/12/2023

Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

C

A

C

A

C

A

C

C

C

C

C

C

C

C

C

C

C

C

C

C

C

C

C

C

C

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003956

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/07/2023

Cleared

Property

Reasonable Comps Indicator is No

Appraisal report images reflect a boarded up residence for XXX

XX/XX/XXXX - Client rebuttal - This is in XXX

04/12/2023

Reasonable comps indicator is Yes

04/12/2023

Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

C

A

C

A

C

A

C

C

C

C

C

C

C

C

C

C

C

C

C

C

C

C

C

C

C

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003956

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/07/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/10/2023

04/10/2023

Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

C

A

C

A

C

A

C

C

C

C

C

C

C

C

C

C

C

C

C

C

C

C

C

C

C

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003957

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/28/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/29/2023

03/29/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003957

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/28/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/28/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003957

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/28/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/28/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003960

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/30/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/31/2023

03/31/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003960

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/30/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/30/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003960

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/30/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/30/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003961

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/06/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/07/2023

04/07/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003961

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/06/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/06/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003961

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/06/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/06/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003962

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/31/2023

Cleared

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

03/31/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

A

A

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

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A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003962

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/31/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/31/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003962

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/31/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/31/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

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

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003963

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/17/2023

Cleared

Compliance

Charges That Cannot Increase Test

This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §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).; XX/XX/XXXX - PCCD provided; XX/XX/XXXX - Client remitted PCCD dated XX/XX/XXXX relocating fees; missing LOE to borrower. Testing for remediation; The XXX Guarantee Fee and XXX Electronic Document were both fees paid to a third party not listed on the SSPL and placed in Sec B. “Services You Cannot Shop For/Services Borrower Did Not Shop For” on Final CD. They were also not part of the shoppable services listed on the Initial or subsequent LE’s provided to the consumer. The SSPL providers for Escrow and Title services were XXX of which neither were paid. The Guarantee fee was payable to XXX Title Insurance and initially disclosed on the Initial CD issued XX/XX/XXXX. The XXX Electronic Document fee was payable to Rector and Eargle also initially disclosed on Initial CD issued XX/XX/XXXX.  As such, these fees are tested within 0% tolerance and not 10% as the provider listed on SSPL completed most title services.  ; TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid COC. The zero tolerance violation in the amount of $XXX is due to addition of title fees XXX Guarantee Fee $XXX and Electronic Document fee of $XXX without a valid COC.

XX/XX/XXXX - Received client rebuttal indicating no increase in 10% fees. ; Change status of 'Charges That Cannot Increase Test' from Active to Rejected by Client.; XX/XX/XXXX - PCCD provided; XX/XX/XXXX - PCCD provided; XX/XX/XXXX - Client remitted PCCD dated XX/XX/XXXX relocating fees; missing LOE to borrower. Testing for remediation; The TX Guarantee Fee and TX Electronic Document were both fees paid to a third party not listed on the SSPL and placed in Sec B. “Services You Cannot Shop For/Services Borrower Did Not Shop For” on Final CD. They were also not part of the shoppable services listed on the Initial or subsequent LE’s provided to the consumer. The SSPL providers for Escrow and Title services were XXX of which neither were paid. The Guarantee fee was payable to XXX Title Insurance and initially disclosed on the Initial CD issued XX/XX/XXXX. The TX Electronic Document fee was payable to Rector and Eargle also initially disclosed on Initial CD issued XX/XX/XXXX.  As such, these fees are tested within XXX% tolerance and not XXX% as the provider listed on SSPL completed most title services. ;  ; TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid COC. The zero tolerance violation in the amount of $XXX is due to addition of title fees XXX Guarantee Fee $XXX and Electronic Document fee of $XXX without a valid COC.

03/31/2023

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).

03/31/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003963

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/17/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/31/2023

03/31/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003963

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/17/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/17/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003963

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/17/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/17/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003964

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/31/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/03/2023

04/03/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003964

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/31/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/31/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003964

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/31/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/31/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003965

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/10/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/11/2023

04/11/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003965

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/10/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/10/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003965

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/10/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/10/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003967

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/06/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/07/2023

04/07/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003967

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/06/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/06/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003967

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/06/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/06/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003968

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/29/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/30/2023

03/30/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003968

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/29/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/29/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003968

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/29/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/29/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003969

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/07/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/10/2023

04/10/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003969

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/07/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/07/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003969

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/07/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/07/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003970

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/05/2023

Cleared

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

04/05/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003970

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/05/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/05/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003970

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/05/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/05/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003971

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/29/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/30/2023

03/30/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003971

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/29/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/29/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003971

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/29/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/29/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003972

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/06/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/07/2023

04/07/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003972

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/06/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/06/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003972

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/06/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/06/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003973

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/10/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/11/2023

04/11/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003973

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/10/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/10/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003973

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/10/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/10/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003975

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/14/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/17/2023

04/17/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003975

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/14/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/14/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003975

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/14/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/14/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003977

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/05/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/06/2023

04/06/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003977

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/05/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/05/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003977

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/05/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/05/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003978

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/31/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/03/2023

04/03/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003978

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/31/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/31/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003978

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/31/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/31/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003979

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/31/2023

Cleared

Credit

HAZARD INSURANCE CERTIFICATE MISSING

Missing copy of hazard insurance certificate, for subject property.

Received HOI for subject property.

04/03/2023

Received copy of hazard insurance certificate on subject property with sufficient coverage and correct mortgagee clause.  Exception Resolved.

04/03/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

D

A

D

A

D

A

A

A

A

A

C

C

A

A

D

D

A

A

C

C

A

A

D

D

A

A

D

D

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003979

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/31/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/31/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

D

A

A

A

D

A

A

A

A

A

C

C

A

A

D

D

A

A

C

C

A

A

D

D

A

A

D

D

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003979

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/31/2023

Cleared

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

03/31/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

D

A

A

A

D

A

A

A

A

A

C

C

A

A

D

D

A

A

C

C

A

A

D

D

A

A

D

D

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003980

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/31/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/03/2023

04/03/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003980

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/31/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/31/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003980

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/31/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/31/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003981

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/03/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/04/2023

04/04/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003981

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/03/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/03/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003981

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/03/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/03/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003983

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/27/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/07/2023

04/07/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003983

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/27/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/27/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003983

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/27/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/27/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003983

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/27/2023

Cleared

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.; XX/XX/XXXX - Exception unable to be cleared as closing date issue has not been resolved. Final closing disclosure is dated XX/XX/XXXX which is after the disbursement/funding date of XX/XX/XXXX. Borrower acknowledged the Final CD in person on XX/XX/XXXX.  ; XX/XX/XXXX - Received PCCD reflecting closing date as XX/XX/XXXX and disbursement date of XX/XX/XXXX.; Cure Required - Final CD XX/XX/XXXX was executed by the borrower on XX/XX/XXXX after the disclosed disbursement date of XX/XX/XXXX

XX/XX/XXXX - Received LOE and PCCD dated XX/XX/XXXX-XX/XX/XXXX - Exception unable to be cleared as closing date issue has not been resolved. Final closing disclosure is dated XX/XX/XXXX which is after the disbursement/funding date of XX/XX/XXXX. Borrower acknowledged the Final CD in person on XX/XX/XXXX-XX/XX/XXXX - Received PCCD reflecting closing date as XX/XX/XXXX and disbursement date of XX/XX/XXXX.; Cure Required - Final CD XX/XX/XXXX was executed by the borrower on XX/XX/XXXX after the disclosed disbursement date of XX/XX/XXXX.

04/07/2023

This compliance test 'TRID Initial Closing Disclosure Date and Funding Date Validation Test' is no longer tested

04/07/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003984

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/12/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/13/2023

04/13/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003984

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/12/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/12/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003984

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/12/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/12/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003985

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/14/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/17/2023

04/17/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003985

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/14/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/14/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003985

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/14/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/14/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003986

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/05/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/06/2023

04/06/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003986

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/05/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/05/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003986

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/05/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/05/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003987

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/31/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/03/2023

04/03/2023

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003987

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/31/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/31/2023

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003987

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/31/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/31/2023

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003988

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/29/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

03/30/2023

03/30/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003988

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/29/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/29/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003988

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/29/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/29/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003990

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/17/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/18/2023

04/18/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003990

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/17/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/17/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003990

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/17/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/17/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003991

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/04/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/05/2023

04/05/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003991

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/04/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/04/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003991

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/04/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/04/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003992

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/07/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/10/2023

04/10/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003992

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/07/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/07/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003992

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/07/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/07/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003993

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/31/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/03/2023

04/03/2023

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003993

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/31/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/31/2023

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003993

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/31/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/31/2023

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003995

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/06/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/07/2023

04/07/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003995

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/06/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/06/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003995

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/06/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/06/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003997

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/10/2023

Cleared

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

04/10/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003997

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/10/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/10/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003997

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/10/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/10/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003998

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/06/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/12/2023

04/12/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003998

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/06/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/06/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003998

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/06/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/06/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100003998

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/06/2023

Cleared

Compliance

Initial Closing Disclosure Delivery Date Test

This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation.; Documentation Required: Per Disclosure Tracking Summary Closing Disclosure XX/XX/XXXX is missing from file

XX/XX/XXXX - Initial closing disclosure date provided; Documentation Required: Per Disclosure Tracking Summary Closing Disclosure XX/XX/XXXX is missing from file

04/12/2023

This loan passed the initial closing disclosure delivery date test.( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is 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 initial 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 initial closing disclosure receipt date is provided and the initial 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.The creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation.

04/12/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004000

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/10/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/11/2023

04/11/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004000

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/10/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/10/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004000

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/10/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/10/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004001

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/31/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/31/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004001

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/31/2023

Cleared

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

03/31/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004001

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/31/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/31/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004002

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/14/2023

Cleared

Credit

Final Loan Application is Missing

Final loan application is Missing.  Please provide an executed copy of Borrower's Final 1003.

Received final executed 1003 loan application.

04/20/2023

Final loan application is Present.  Exception Resolved.

04/20/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

D

A

D

A

D

A

A

A

C

A

C

C

A

C

D

D

A

C

C

C

A

C

D

D

A

C

D

D

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004002

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/17/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/18/2023

04/18/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

D

A

C

A

D

A

A

A

C

A

C

C

A

C

D

D

A

C

C

C

A

C

D

D

A

C

D

D

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004002

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/18/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/18/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

D

A

A

A

D

A

A

A

C

A

C

C

A

C

D

D

A

C

C

C

A

C

D

D

A

C

D

D

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004003

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/07/2023

Cleared

Credit

Hazard Insurance Indicator is Partial

File contains a Property Insurance Binder, Missing Full HOI policy.

XX/XX/XXXX - Client Rebuttal - There is a proper binder in the loan file. Please advise why we are being asked for an entire HOI policy as this is not typical.,

04/11/2023

Hazard insurance indicator is Present

04/12/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

D

A

C

A

D

A

A

A

C

A

C

C

A

C

D

D

A

C

C

C

A

C

D

D

A

C

D

D

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004003

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/07/2023

Cleared

Credit

Final Loan Application is Partial

Undisclosed property not listed on Final 1003. File contains Documentation showing borrower purchased a Condo for $XXX on XX/XX/XXXX - Property is located at XXX. Property details report confirms ownership.

XX/XX/XXXX- Client Rebuttal/Trailing - 1. Borrower purchased another property (XXX) just prior to closing on our subject property.  Provided Closing Statement for this purchase reflects no financing (paid cash).  Community Guidelines do not require additional reserves for properties owned free &amp; clear, as such documentation of the Taxes, HOI or HOA is not necessary. (HUD-1 from Purchase below for reference)

04/12/2023

Final Loan Application is Present

04/12/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

D

A

D

A

D

A

A

A

C

A

C

C

A

C

D

D

A

C

C

C

A

C

D

D

A

C

D

D

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004003

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/07/2023

Cleared

Credit

Asset Documents are Incomplete

Missing Full access letter and/or Trust documents for the following account: XXX #XXX states "In Trust For". Borrower used $XXX from this account for XXX,  checks in file and deposit confirmation from title company.

XX/XX/XXXX - Client Rebuttal - ITF Accounts at XXX were confirmed to be synonymous with POD (Payable on Death) Accounts, as verified via Condition A13.  As such, there is no need for an Access Letter for this account, since the XXX account holders are minors, and can not provide legal representation of facts.

04/13/2023

XXX Account XXX has primary borrower as account holder  with an XXX to other individuals.  No need for access letter. Exception cleared.

04/13/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

D

A

C

A

D

A

A

A

C

A

C

C

A

C

D

D

A

C

C

C

A

C

D

D

A

C

D

D

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004003

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/07/2023

Cleared

Credit

Borrower Liabilities Verification Indicator is Partial

Missing HOI & HOA for the following property: XXX

XX/XX/XXXX - Client provided Rebuttal/Trailing documents - Borrower purchased another property (XXX) just prior to closing on our subject property.  Provided Closing Statement for this purchase reflects no financing (paid cash)Community Guidelines do not require additional reserves for properties owned free &amp; clear, as such documentation of the Taxes, HOI or HOA is not necessary. (HUD-1 from Purchase below for reference)

04/12/2023

Borrower liabilities verified

04/12/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

D

A

D

A

D

A

A

A

C

A

C

C

A

C

D

D

A

C

C

C

A

C

D

D

A

C

D

D

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004003

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/07/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/10/2023

04/10/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

D

A

C

A

D

A

A

A

C

A

C

C

A

C

D

D

A

C

C

C

A

C

D

D

A

C

D

D

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004003

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/07/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/07/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

D

A

A

A

D

A

A

A

C

A

C

C

A

C

D

D

A

C

C

C

A

C

D

D

A

C

D

D

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004005

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/07/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/10/2023

04/10/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004005

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/07/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/07/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004005

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/07/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/07/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004006

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/03/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/04/2023

04/04/2023

C

A

C

A

C

A

A

A

C

A

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004006

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/03/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/03/2023

C

A

A

A

C

A

A

A

C

A

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004006

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/03/2023

Cleared

Credit

Borrower residency documentation not provided or issue with documentation

Borrower residency documentation not provided or issue with documentation.  Per guidelines, A fully executed Certification of Resident XXX Status Form must be provided at the time of submission

Received Certification of Resident XXX Status for both borrower, card expiration XX/XX/XXXX. Signed and Dated by Sr. UW.  Photocopying the resident XXX card is prohibited in all cases.  Certification is completed.

04/06/2023

Borrower residency documentation has been provided and there are no issues with documentation.  Exception Resolved.

04/06/2023

C

A

C

A

C

A

A

A

C

A

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004006

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/03/2023

Cleared

Credit

Co-Borrower residency documentation not provided or issue with documentation

Co-Borrower residency documentation not provided or issue with documentation.  Per guidelines, A fully executed Certification of Resident XXX Status Form must be provided at the time of submission.

Received Certification of Resident XXX Status for both borrower, card expiration XX/XX/XXXX. Signed and Dated by Sr. UW.  Photocopying the resident XXX card is prohibited in all cases.  Certification is completed.

04/06/2023

Co-Borrower residency documentation has been provided and there are no issues with documentation.  Exception Resolved.

04/06/2023

C

A

C

A

C

A

A

A

C

A

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004007

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/05/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/06/2023

04/06/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004007

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/05/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/05/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004007

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/05/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/05/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004008

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/31/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/03/2023

04/03/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004008

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/31/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/31/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004008

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/31/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/31/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004010

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/31/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/03/2023

04/03/2023

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004010

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/31/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

03/31/2023

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004010

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

03/31/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

03/31/2023

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004011

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/10/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/11/2023

04/11/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004011

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/10/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/10/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004011

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/10/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/10/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004014

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/04/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/05/2023

04/05/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004014

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/04/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/04/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004014

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/04/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/04/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004015

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/10/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/11/2023

04/11/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004015

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/10/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/10/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004015

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/10/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/10/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004016

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/13/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/13/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004016

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/12/2023

Cleared

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations. ; The loan is in compliance with all applicable laws and regulations.

The exception 'No Compliance Findings' is cleared.

04/12/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004016

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/13/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/13/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004020

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/05/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/06/2023

04/06/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

C

A

C

A

A

A

C

A

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004020

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/05/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/05/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

A

A

C

A

A

A

C

A

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004020

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/04/2023

Cleared

Credit

Borrower residency documentation not provided or issue with documentation

Borrower residency documentation not provided or issue with documentation.

XX/XX/XXXX - Client provided trailing document - Verification of residency

04/14/2023

Borrower residency documentation has been provided and there are no issues with documentation.

04/14/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

C

A

C

A

A

A

C

A

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

C

C

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004021

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/03/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/04/2023

04/04/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004021

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/03/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/03/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004021

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/03/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/03/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004024

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/13/2023

Cleared

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

04/13/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

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

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004024

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/13/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/13/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

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

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004024

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/13/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/13/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

A

A

A

A

A

A

A

A

A

A

A

A

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A

A

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A

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A

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A

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A

A

A

A

A

A

A

A

A

100004026

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/14/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/17/2023

04/17/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004026

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/14/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/14/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004026

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/14/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/14/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004029

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/10/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/11/2023

04/11/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004029

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/10/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/10/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004029

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/10/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/10/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004030

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/10/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/11/2023

04/11/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004030

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/10/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/10/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

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C

C

A

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C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004030

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/10/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/10/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004031

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/18/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/19/2023

04/19/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004031

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/18/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/18/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004031

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/18/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/18/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004032

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/11/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/11/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

C

A

A

A

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004032

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/11/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/11/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

C

A

A

A

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004032

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/11/2023

Cleared

Credit

Liquid Reserves are less than Guidelines Required

The liquid reserves of XXX months or $XXX, are less than the Guidelines minimum required of XXX or $XXX. EMD not sourced.

Received two months XXX statement for account ending XXX, period ending XX/XX/XXXX and XX/XX/XXXX reflect two EMD were paid to seller XXX, one on XX/XX/XXXX for $XXX and other on XX/XX/XXXX for $XXX for a total $XXX EMD paid and sourced.

04/18/2023

The liquid reserves of XXX months or $XXX, is greater than or equal to the Guidelines minimum required of XXX or $XXX.  Exception Resolved.

04/18/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

C

A

A

A

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004036

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/17/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/18/2023

04/18/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004036

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/17/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/17/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004036

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/17/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/17/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004038

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/11/2023

Cleared

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

04/11/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004038

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/10/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/10/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004038

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/10/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/10/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004040

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/17/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/18/2023

04/18/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004040

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/17/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/17/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004040

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/17/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/17/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004042

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/19/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/20/2023

04/20/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004042

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/19/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/19/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004042

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/19/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/19/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004043

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/17/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/18/2023

04/18/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004043

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/17/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/17/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004043

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/17/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/17/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004044

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/12/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/13/2023

04/13/2023

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004044

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/13/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/13/2023

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004044

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/13/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/13/2023

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004047

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/26/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/27/2023

04/27/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004047

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/26/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/26/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004047

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/26/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/26/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004048

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/07/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/07/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004048

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/07/2023

Cleared

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

04/07/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004048

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/07/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/07/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004050

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/18/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/18/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004050

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/18/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/19/2023

04/19/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004050

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/19/2023

Cleared

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

04/19/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004050

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/18/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/18/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004050

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/18/2023

Cleared

Compliance

Charges That In Total Cannot Increase More Than 10% Test

This loan failed the charges that in total cannot increase more than 10% test.  (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi).; TILA 130B Cure Required. Refund in the amount of $XXX, cure package requires a PCCD< LOE, copy of refund check, and proof of delivery or valid COC. The XXX% tolerance violation in the amount of $XXX is due to increase in title fees exceeding XXX% allowable. Cure of $XXX provided on final CD, difference of$XXX outstanding.

corrected title fees, cure was given for fees increased. ; TILA 130B Cure Required. Refund in the amount of $XXX, cure package requires a PCCD&lt; LOE, copy of refund check, and proof of delivery or valid COC. The 1% tolerance violation in the amount of $XXX is due to increase in title fees exceeding 10% allowable. Cure of $XXX provided on final CD, difference of$XXX outstanding.

04/19/2023

This loan passed the charges that in total cannot increase more than 10% test.  (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($XXX) do not exceed the comparable charges ($XXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi).

04/19/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004050

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/18/2023

Cleared

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 $106.80, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.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.

corrected title fees, cure was given for fees increased.

04/19/2023

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 $106.80, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.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.

04/19/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004052

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/06/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/07/2023

04/07/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004052

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/06/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/06/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004052

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/06/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/06/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004054

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/14/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/17/2023

04/17/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004054

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/16/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/16/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004054

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/16/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/16/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004055

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/13/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/20/2023

04/20/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004055

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/13/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/13/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004055

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/13/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/13/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004055

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/13/2023

Cleared

Compliance

Charges That Cannot Increase Test

This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §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).; COC provided indicates a change in LTV which would affect pricing, therefore COC is valid; TILA 130B Cure Required. Refund in the amount of $XXX, cure package requires a PCCD< LOE, copy of refund check, and proof of delivery or valid COC. The zero tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the discount points from CD XX/XX/XXXX to CD XX/XX/XXXX. The COC in file discloses a loan amount decrease and the increase of discount points to XXX does not state a reason for the increase of discount points.

COC provided; COC provided indicates a change in LTV which would affect pricing, therefore COC is valid; TILA 130B Cure Required. Refund in the amount of $XXX, cure package requires a PCCD&lt; LOE, copy of refund check, and proof of delivery or valid COC. The zero tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the discount points from CD XX/XX/XXXX to CD XX/XX/XXXX. The COC in file discloses a loan amount decrease and the increase of discount points to XXX, but does not state a reason for the increase of discount points.

04/20/2023

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).

04/20/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004056

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/24/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/25/2023

04/25/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004056

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/24/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/24/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004056

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/24/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/24/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004057

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/14/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/17/2023

04/17/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004057

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/14/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/14/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004057

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/14/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/14/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004058

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/14/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/17/2023

04/17/2023

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004058

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/14/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/14/2023

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004058

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/14/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/14/2023

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004059

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/24/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/25/2023

04/25/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004059

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/24/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/24/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004059

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/24/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/24/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004061

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/20/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/21/2023

04/21/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004061

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/20/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/20/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004061

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/20/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/20/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004062

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/19/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/20/2023

04/20/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004062

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/19/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/19/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004062

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/19/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/19/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004063

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/27/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/28/2023

04/28/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004063

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/27/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/27/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004063

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/27/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/27/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004064

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/25/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/26/2023

04/26/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

D

A

C

A

A

A

A

A

D

A

C

A

A

C

D

A

A

D

C

A

A

C

D

A

A

D

D

A

A

D

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004064

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/25/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/25/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

D

A

A

A

A

A

A

A

D

A

C

A

A

C

D

A

A

D

C

A

A

C

D

A

A

D

D

A

A

D

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004064

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/25/2023

Cleared

Compliance

eSigned Documents Consent is Missing

The eSigned documents consent is Missing.

Received executed borrower E-Consent, accepted on XX/XX/XXXX, which was the same date as origination.

04/28/2023

The eSigned documents consent is Present.  Exception Resolved.

04/28/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

D

A

D

A

A

A

A

A

D

A

C

A

A

C

D

A

A

D

C

A

A

C

D

A

A

D

D

A

A

D

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004064

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/25/2023

Cleared

Compliance

Initial Escrow Account Disclosure is Missing

The initial escrow account disclosure is Missing

Received Initial Escrow Account Disclosure dated XX/XX/XXXX Statement, which matches the final CD Escrow Account balance.

04/28/2023

The initial escrow account disclosure is Present.  Exception Resolved.

04/28/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

D

A

D

A

A

A

A

A

D

A

C

A

A

C

D

A

A

D

C

A

A

C

D

A

A

D

D

A

A

D

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004065

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/25/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/26/2023

04/26/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004065

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/25/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/25/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004065

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/25/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/25/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004066

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/24/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/25/2023

04/25/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004066

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/24/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/24/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004066

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/24/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/24/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004067

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/19/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/20/2023

04/20/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004067

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/19/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/19/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004067

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/19/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/19/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004068

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/12/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/13/2023

04/13/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004068

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/12/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/12/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004068

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/12/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/12/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004069

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/26/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/27/2023

04/27/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004069

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/27/2023

Cleared

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

04/27/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004069

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/26/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/26/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004069

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/26/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/26/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004070

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/24/2023

Cleared

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

04/24/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004070

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/24/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/24/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004070

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/24/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/24/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004071

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/25/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/26/2023

04/26/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004071

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/25/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/25/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004071

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/25/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/25/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004071

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/25/2023

Cleared

Compliance

Qualified Mortgage Points and Fees Finding (12 CFR §1026.43(e)(3))

The exception 'Qualified Mortgage Points and Fees Finding (12 CFR §1026.43(e)(3))' is cleared.

04/26/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004072

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/28/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

05/01/2023

05/01/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004072

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/28/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/28/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004072

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/28/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/28/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004073

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/27/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/28/2023

04/28/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004073

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/27/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/27/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004073

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/27/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/27/2023

Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004074

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/25/2023

Cleared

Compliance

Initial Closing Disclosure Delivery Date Test

This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation.; Documentation Required - The initial CD issued more than 3 days prior to consummation is missing from the file. ; Please provide additional documentation if there was another Cd provided to the borrower prior to the XX/XX/XXXX CD. With the current documentation provided the Delivery Date of the XX/XX/XXXX Cd does to fullfill the requirements laid out in the exception.

XX/XX/XXXX- initial CD provided; Documentation Required - The initial CD issued more than 3 days prior to consummation is missing from the file. ; Please provide additional documentation if there was another Cd provided to the borrower prior to the XX/XX/XXXX CD. With the current documentation provided the Delivery Date of the XX/XX/XXXX Cd does to fullfill the requirements laid out in the exception.

04/28/2023

This loan passed the initial closing disclosure delivery date test.( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is 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 initial 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 initial closing disclosure receipt date is provided and the initial 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.The creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation.

04/28/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004074

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/25/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/28/2023

04/28/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004074

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/25/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/25/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004074

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/25/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/25/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004075

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/21/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/24/2023

04/24/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004075

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/21/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/21/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004075

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/21/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/21/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004076

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/27/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/28/2023

04/28/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004076

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/27/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/27/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004076

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/27/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/27/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004077

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/21/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/24/2023

04/24/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004077

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/21/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/21/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004077

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/21/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/21/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004078

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/27/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/28/2023

04/28/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004078

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/27/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/27/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004078

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/27/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/27/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004079

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/25/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/26/2023

04/26/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

D

A

C

A

D

A

A

A

C

A

C

C

A

C

D

D

A

C

C

C

A

C

D

D

A

C

D

D

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004079

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/25/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/25/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

D

A

A

A

D

A

A

A

C

A

C

C

A

C

D

D

A

C

C

C

A

C

D

D

A

C

D

D

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004079

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/25/2023

Cleared

Credit

HAZARD INSURANCE CERTIFICATE MISSING

Missing copy of hazard insurance certificate

Received HOI for subject property, reflecting Dwelling Coverage of $XXX, plus Replacement cost up to $XXX, Building Ordinance or Law Coverage coverage percentage of Coverage A, Exceedning loan amount, which is sufficient.  Also, correct mortgagee clause reflected, along with correct monthly payment whitch matches the final CD, policy premium of $XXX, $XXX per month, effecting XX/XX/XXXX to XX/XX/XXXX.

04/28/2023

Received copy of hazard insurance certificate.  Exception Resolved.

04/28/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

D

A

D

A

D

A

A

A

C

A

C

C

A

C

D

D

A

C

C

C

A

C

D

D

A

C

D

D

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004080

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/28/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

05/01/2023

05/01/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004080

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/28/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/28/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004080

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/28/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/28/2023

Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004081

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/25/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/26/2023

04/26/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004081

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/25/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/25/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004081

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/25/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/25/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004082

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/27/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

04/28/2023

04/28/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004082

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/27/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

04/27/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004082

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

04/27/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

04/27/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004083

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/27/2023

Cleared

Compliance

Higher-Priced Mortgage Loan

Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and Met appraisal requirements.

HPML compliant with guidelines; escrow established and appraisal received.

02/28/2023

02/28/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

C

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004083

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/27/2023

Cleared

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

02/27/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

100004083

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Closed

02/27/2023

Cleared

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

02/27/2023

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX  are greater than the Guideline Minimum of XXX or $XXX.

C

A

A

A

A

A

A

A

C

A

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

C

A

A

C

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A