Rating Agency Exceptions Report: 7/11/2025

Loan Information  Exception Information Initial Overall Grades Final Overall Grades Event Level
Loan Number Loan Number 2 Property State Purpose Occupancy Property Type DTI DSCR FICO LTV Note Original Balance Exception ID Exception Type Exception Description Exception Note Exception General Comment Compensating Factors Exception Status DBRS Fitch Moody's S&P DBRS Fitch Moody's S&P Grade
XXXXXXXXXXX 257NQM0884 VA Purchase Non-Owner Occupied Single Family Detached 4.04   669 75.00 % XXXXXXXXXXX 301283 Property Appraisal An third party appraisal review from an XXXX approved vendor is missing from the loan file.  05/01/25: Documentation provided to cure.   Cleared Exception D D D D A A A A 1
XXXXXXXXXXX 257NQM0884 VA Purchase Non-Owner Occupied Single Family Detached 4.04   669 75.00 % XXXXXXXXXXX 301318 Credit Credit Report Credit report shows derogatory credit/ mortgage lates.
Mortgage with XXXX is showing  XXXX 120+ days late
with the last late dateXXXX.		 5/1: Document provided does not address mtg lates.   
05/15/25: Documentation provided to cure.		   Cleared Exception D D D D A A A A 1
XXXXXXXXXXX 257NQM0884 VA Purchase Non-Owner Occupied Single Family Detached 4.04   669 75.00 % XXXXXXXXXXX 301319 Credit Program Eligibilty Provide explanation for the address showing up on borrower's fraud report at XXXX and if this property is owned by the borrower. If so it needs to be added to the REO section of the 1003 along with the PITIA payment.  05/01/25: Documentation provided to cure. property owned by business.   Cleared Exception D D D D A A A A 1
XXXXXXXXXXX 257NQM0883 NJ Refi - Cash Out Non-Owner Occupied Two-Unit Property 0 1.4941 703 75.00 % XXXXXXXXXXX 301574 Property Appraisal Appraisal states no prior sales in last XXXX months but then states the subject property last sold XXXX for XXXX. Provide an updated appraisal reflecting the recently sold information.  05/12/25: Documentation provided to cure.   Cleared Exception D D D D A A A A 1
XXXXXXXXXXX 257NQM0883 NJ Refi - Cash Out Non-Owner Occupied Two-Unit Property 0 1.4941 703 75.00 % XXXXXXXXXXX 301575 Credit Rental Income The lease agreement for unit 2 in the amount of $XXXX is missing from the loan file. 05/12/25: Documentation provided to cure.   Cleared Exception D D D D A A A A 1
XXXXXXXXXXX 257NQM0883 NJ Refi - Cash Out Non-Owner Occupied Two-Unit Property 0 1.4941 703 75.00 % XXXXXXXXXXX 301636 Credit Hazard Insurance Provide verification that the property insurance policy for subject property contains a minimum of six months of rent loss coverage. "Loss of Use" is insufficient to verify rent loss coverage. 05/14/25: Documentation provided to cure.   Cleared Exception D D D D A A A A 1
XXXXXXXXXXX 257NQM0903 FL Rate Term Refi Owner Occupied PUD 21.88   771 55.36 % XXXXXXXXXXX 301510 Compliance Other This loan failed the revised closing disclosure delivery date test (no waiting period required). Revised CD XXXX does not have a Receipt date. Invalid exception.    Cleared Exception C C C C A A A A 1
XXXXXXXXXXX 257NQM0881 NY Refi - Cash Out Owner Occupied Single Family Detached 9.47   775 70.00 % XXXXXXXXXXX 301490 Compliance Closing Disclosure Provide the initial Closing Disclosure for the loan file. 05/08/25: Documentation provided to cure.   Cleared Exception C C C C A A A A 1
XXXXXXXXXXX 257NQM0881 NY Refi - Cash Out Owner Occupied Single Family Detached 9.47   775 70.00 % XXXXXXXXXXX 301498 Credit AUS/Loan Approval Provide an AUS for the XXXX loan. 05/08/25: Documentation provided to cure.   Cleared Exception C C C C A A A A 1
XXXXXXXXXXX 257NQM0881 NY Refi - Cash Out Owner Occupied Single Family Detached 9.47   775 70.00 % XXXXXXXXXXX 301516 Credit Credit No open and active mortgages reporting on initial credit will require pre-approval. 05/05/25: A pre-approval was provided for the housing history.   Cleared Exception C C C C A A A A 1
XXXXXXXXXXX 257NQM0991 TX Rate Term Refi Non-Owner Occupied Single Family Detached 0 1.151 773 80.00 % XXXXXXXXXXX 301255 Compliance Required Document -GOV Provide the final amoritization schedule for the loan file. 05/02/25: Documentation provided to cure.   Cleared Exception C C C C B B B B 1
XXXXXXXXXXX 257NQM0991 TX Rate Term Refi Non-Owner Occupied Single Family Detached 0 1.151 773 80.00 % XXXXXXXXXXX 301257 Credit Title Provide documentation to confirm the release of deed with XXXX dated XXXX in the amoun of $XXXX 5/5/2025: Document provided to cure.    Cleared Exception C C C C B B B B 1
XXXXXXXXXXX 257NQM0991 TX Rate Term Refi Non-Owner Occupied Single Family Detached 0 1.151 773 80.00 % XXXXXXXXXXX 301258 Credit LTV According to the guidelines, the LTV of 80% is greater the maximum allowed LTV of 75% for declining markets.
 05/08/25: An exception was approved for the guideline deviation. Months Of Reserves - XXXX months of reserves, Credit Score - The
borrowers Fico of 153 is 33 points greater than the minimum required
Fico of 620.
 Client Accepted C C C C B B B B 2
XXXXXXXXXXX 257NQM0991 TX Rate Term Refi Non-Owner Occupied Single Family Detached 0 1.151 773 80.00 % XXXXXXXXXXX 301259 Credit Borrower ID According to the guidelines, the entity documentation including the Operating Agreement, Articles of Organization, Certificate of good standing and EIN number are missing from the loan file.
 05/02/25: Documentation provided to cure.   Cleared Exception C C C C B B B B 1
XXXXXXXXXXX 257NQM0885 NY Refi - Cash Out Non-Owner Occupied Three-Unit Property 0 1.1908 691 47.54 % XXXXXXXXXXX 301135 Credit Credit An Exception Approval was placed in the loan file to allow DSCR loan with 691 FICO Score.  exception not needed.   Cleared Exception C C C C A A A A 1
XXXXXXXXXXX 257NQM0885 NY Refi - Cash Out Non-Owner Occupied Three-Unit Property 0 1.1908 691 47.54 % XXXXXXXXXXX 301153 Credit Underwriting Condition Not Met The amortization schedule was not located in the file. 04/24/25: Documentation provided to cure.   Cleared Exception C C C C A A A A 1
XXXXXXXXXXX 257NQM0993 WA Purchase Owner Occupied Condo Attached 20.13   741 80.00 % XXXXXXXXXXX 301543 Credit Income Full documentation wage earners require two years verification of income and provide tax transcripts 4506-C, 8821, or equivalent. In this case, the the transcripts were not provided. Exception for no 2406-C transcripts approved by XXXX and in file. DTI - 20.13% DTI, Months Of Reserves - XXXX, Credit Score - 741 score Client Accepted C C C C B B B B 2
XXXXXXXXXXX 257NQM0993 WA Purchase Owner Occupied Condo Attached 20.13   741 80.00 % XXXXXXXXXXX 301549 Credit Eligibilty The final Amortization Schedule is missing from the loan file. 05/14/25: Documentation provided to cure.   Cleared Exception C C C C B B B B 1
XXXXXXXXXXX 257NQM0993 WA Purchase Owner Occupied Condo Attached 20.13   741 80.00 % XXXXXXXXXXX 301557 Credit Occupancy The Occupancy Certification disclosure is missing from the loan file. 05/14/25: Documentation provided to cure.   Cleared Exception C C C C B B B B 1
XXXXXXXXXXX 257NQM0915 NY Refi - Cash Out Non-Owner Occupied Single Family Detached 0 1.0016 724 40.14 % XXXXXXXXXXX 301635 Credit VOM According to the guidelines, borrowers living rent free may be considered on a case by case basis. Attestation from the homeowner is required. 05/21/25: Documentation provided to cure.   Cleared Exception C C C C A A A A 1
XXXXXXXXXXX 257NQM0915 NY Refi - Cash Out Non-Owner Occupied Single Family Detached 0 1.0016 724 40.14 % XXXXXXXXXXX 301673 Credit Program Eligibilty It appears a personal debt was paid at close with the loan proceeds which is not allowed for a non-consumer cash out refinance. Provide evidence the debt from XXXX Commissioner of Taxation and Finance is business related. 5/21: Provide verification that the tax warrant was pertaining to the subject property. If not, loan does not qualify for Business Purpose.  5/28: documentation provided does not verify that the tax warrant was pertaining to the subject property.
6/6/2025: Going by Reg Z definition, then it appears that even if paid with closing proceeds the loan is clearly “primarily” for a business purpose. Exception cleared. 		   Cleared Exception C C C C A A A A 1
XXXXXXXXXXX 257NQM0904 AZ Refi - Cash Out Non-Owner Occupied PUD 0 1.13 802 62.05 % XXXXXXXXXXX 301576 Credit Rental Income Used 1007 income of $XXXX in lieu of Lease Agreement income of $XXXX due to tenant vacating property which allows XXXX% of lease which is $XXXX. The file includes notation this is a pending exception, but no approval was found in the file. 5/12/2025: An exception was provided allowing the use of the market rent instead of the lease.  Credit Score - 802, CLTV - 62.054 Client Accepted C C C C B B B B 2
XXXXXXXXXXX 257NQM0904 AZ Refi - Cash Out Non-Owner Occupied PUD 0 1.13 802 62.05 % XXXXXXXXXXX 301577 Credit Closing Disclosure The closing disclosures in the file does not reflect the payoff of the XXXX that has the subject as collateral.  The escrow disclosure was also not located in the file. The final signed HUD-1 in file does not reflect the payoff of XXXX loan. Provide documentation that this mortgage was paid and closed.
5/18/2025: final HUD1 provided to cure		   Cleared Exception C C C C B B B B 1
XXXXXXXXXXX 257NQM0898 NY Purchase Non-Owner Occupied Single Family Detached 44.22   725 75.00 % XXXXXXXXXXX 301424 Credit 1008 Form 1008 Transmittal Summary is missing from the loan file. 05/07/25: Documentation provided to cure.   Cleared Exception C C C C A A A A 1
XXXXXXXXXXX 257NQM0898 NY Purchase Non-Owner Occupied Single Family Detached 44.22   725 75.00 % XXXXXXXXXXX 301425 Credit Credit The mortgage statement for XXXX. is missing from the loan file. 05/07/25: Documentation provided to cure.   Cleared Exception C C C C A A A A 1
XXXXXXXXXXX 257NQM0902 FL Purchase Non-Owner Occupied Single Family Detached 0 1.0889 688 75.00 % XXXXXXXXXXX 301599 Credit Eligibilty Borrower is First Time Investor with a credit score of677. Minimum requirement per guidelines is 680. Exception for a First Time Investor with a FICO score of 677 approved by XXXX and in file. Exception no longer valid as lender provided a revised credit report with a updated mid score of 688.   Cleared Exception C C C C A A A A 1
XXXXXXXXXXX 257NQM0916 PA Purchase Non-Owner Occupied Single Family Detached 0 1.0175 764 80.00 % XXXXXXXXXXX 301637 Credit HUD-1 The Final HUD-1 in the loan file was not executed by the borrower. The signature page is missing. 5/18/2025: Document provided to cure.    Cleared Exception C C C C A A A A 1
XXXXXXXXXXX 257NQM0916 PA Purchase Non-Owner Occupied Single Family Detached 0 1.0175 764 80.00 % XXXXXXXXXXX 301638 Credit Hazard Insurance The Property Hazard Insurance does not include rental loss coverage. Minimum 6 months required. 5/18/2025: Not required per XXXX guidelines.   Cleared Exception C C C C A A A A 1
XXXXXXXXXXX 257NQM0916 PA Purchase Non-Owner Occupied Single Family Detached 0 1.0175 764 80.00 % XXXXXXXXXXX 301639 Credit Employment The Certificate of Good Standing for XXXX., is missing from the loan file.  5/18/2025: Document provided to cure.    Cleared Exception C C C C A A A A 1
XXXXXXXXXXX 257NQM0896 CA Purchase Owner Occupied PUD 38.32   791 11.29 % XXXXXXXXXXX 301303 Compliance Other This loan failed the revised closing disclosure delivery date test (no waiting period required). Revised CDs XXXX and XXXX does not have a Receipt date. Receipt date included in the file.    Cleared Exception C C C C A A A A 1
XXXXXXXXXXX 257NQM0896 CA Purchase Owner Occupied PUD 38.32   791 11.29 % XXXXXXXXXXX 301304 Compliance Other This loan failed the charges that cannot increase test.  Initial LE has the Discount Points as $XXXX, increase on Final CD XXXX to $XXXX. A change of Circumstance is in the loan dated XXXX, but the Discount Points is not include. A Reimbursement of $XXXX was included , but it is not enough to cover the tolerance of $XXXX. COC provided to cure.    Cleared Exception C C C C A A A A 1
XXXXXXXXXXX 257NQM0995 FL Purchase Non-Owner Occupied Condo Attached 0 1.0188 774 80.00 % XXXXXXXXXXX 301458 Credit Eligibilty Missing Final Amortization Schedule from the loan file.
 05/07/25: Documentation provided to cure.   Cleared Exception C C C C A A A A 1
XXXXXXXXXXX 257NQM0947 GA Refi - Cash Out Owner Occupied Single Family Detached 12.5   736 80.00 % XXXXXXXXXXX 301782 Property Appraisal A third party appraisal review from an XXXX approved vendor is missing from the loan file. 5/28/2025: Document provided to cure.    Cleared Exception D D D D A A A A 1
XXXXXXXXXXX 257NQM0899 CA Purchase Non-Owner Occupied Single Family Detached 22.36   746 80.00 % XXXXXXXXXXX 301494 Credit Employment Verification of the existence of the borrower's business by a CPA, regulatory agency or an internet phone listing and address is missing from the loan file. 5/12: Need verification that the borrower owns XXXX% of the business.
05/13/25: Documentation provided to cure.		   Cleared Exception D D D D A A A A 1
XXXXXXXXXXX 257NQM0899 CA Purchase Non-Owner Occupied Single Family Detached 22.36   746 80.00 % XXXXXXXXXXX 301496 Credit Credit - Eligiblity Loan closed in the name of a corporation, XXXX; however a personal guaranty signed by the borrower is missing from the loan file. 05/12/25: Documentation provided to cure.   Cleared Exception D D D D A A A A 1
XXXXXXXXXXX 257NQM0899 CA Purchase Non-Owner Occupied Single Family Detached 22.36   746 80.00 % XXXXXXXXXXX 301497 Credit Borrower Eligibilty Verification of the property taxes for investment property at XXXX, is missing from the loan file in order to complete the final DTI calculation. 05/12/25: Documentation provided to cure.   Cleared Exception D D D D A A A A 1
XXXXXXXXXXX 257NQM0899 CA Purchase Non-Owner Occupied Single Family Detached 22.36   746 80.00 % XXXXXXXXXXX 301526 Credit Final 1003 Provide evidence of the PITI payments for XXXX new investment properties listed on the final 1003 at XXXX and XXXX in the amounts of $XXXX and $XXXX.51. 05/12/25: Documentation provided to cure.   Cleared Exception D D D D A A A A 1
XXXXXXXXXXX 257NQM0901 FL Purchase Non-Owner Occupied Single Family Detached 3.29   794 80.00 % XXXXXXXXXXX 301604 Property Appraisal A third party appraisal review from ClearCapital is missing from the loan file. 05/14/25: Documentation provided to cure.   Cleared Exception C C C C A A A A 1
XXXXXXXXXXX 257NQM0880 FL Purchase Non-Owner Occupied PUD 0 1.0517 738 80.00 % XXXXXXXXXXX 301188 Credit Final 1003 The final, signed 1003 is not included in the loan file.  04/30/25: Documentation provided to cure.   Cleared Exception D D D D A A A A 1
XXXXXXXXXXX 257NQM0880 FL Purchase Non-Owner Occupied PUD 0 1.0517 738 80.00 % XXXXXXXXXXX 301191 Credit Eligibilty The final Amortization Schedule was not included in the file. Additionally, the business purpose cert was not included in the file (DSCR loans). 04/30/25: Documentation provided to cure.   Cleared Exception D D D D A A A A 1
XXXXXXXXXXX 257NQM0880 FL Purchase Non-Owner Occupied PUD 0 1.0517 738 80.00 % XXXXXXXXXXX 301195 Credit Note Note was not included in the file. 04/30/25: Documentation provided to cure.   Cleared Exception D D D D A A A A 1
XXXXXXXXXXX 257NQM0880 FL Purchase Non-Owner Occupied PUD 0 1.0517 738 80.00 % XXXXXXXXXXX 301196 Credit HUD-1 The Final HUD-1/Closing Disclosure was not included in the loan file. 04/30/25: Documentation provided to cure.   Cleared Exception D D D D A A A A 1
XXXXXXXXXXX 257NQM0880 FL Purchase Non-Owner Occupied PUD 0 1.0517 738 80.00 % XXXXXXXXXXX 301197 Credit Deed of Trust / Mortgage The Deed of Trust/Mortgage was not included in the loan file. 04/30/25: Documentation provided to cure.   Cleared Exception D D D D A A A A 1
XXXXXXXXXXX 257NQM0880 FL Purchase Non-Owner Occupied PUD 0 1.0517 738 80.00 % XXXXXXXXXXX 301198 Credit Occupancy An Occupancy Affidavit was not included in the loan file. 04/30/25: Documentation provided to cure.   Cleared Exception D D D D A A A A 1
XXXXXXXXXXX 257NQM0880 FL Purchase Non-Owner Occupied PUD 0 1.0517 738 80.00 % XXXXXXXXXXX 301199 Credit Gift Letter The Gift Letter is in the loan file, however, evidence of the transfer was not included in the loan file. 04/30/25: Documentation provided to cure.   Cleared Exception D D D D A A A A 1
XXXXXXXXXXX 257NQM0998 MD Refi - Cash Out Non-Owner Occupied Two-Unit Property 0 1.0983 728 66.67 % XXXXXXXXXXX 301340 Credit Credit - Eligiblity The Amortization Schedule is missing from the loan file.  5/4/2025: Document provided to ucre.    Cleared Exception C C C C A A A A 1
XXXXXXXXXXX 257NQM0998 MD Refi - Cash Out Non-Owner Occupied Two-Unit Property 0 1.0983 728 66.67 % XXXXXXXXXXX 301341 Credit Credit - Eligiblity A Letter of Explanation for the late mortgage payment on XXXX is missing from the loan file.  05/12/25: Documentation provided to cure.   Cleared Exception C C C C A A A A 1
XXXXXXXXXXX 257NQM0999 MD Refi - Cash Out Owner Occupied Single Family Detached 37.88   668 68.29 % XXXXXXXXXXX 301447 Credit Borrower ID An automated fraud and tool check is missing from the loan file.
 05/07/25: Documentation provided to cure.   Cleared Exception C C C C A A A A 1
XXXXXXXXXXX 257NQM0999 MD Refi - Cash Out Owner Occupied Single Family Detached 37.88   668 68.29 % XXXXXXXXXXX 301465 Credit VOM No open and active mortgages reporting on initial credit requires preapproval. Preapproval for incomplete housing history approved by XXXX and in file.   Cleared Exception C C C C A A A A 1
XXXXXXXXXXX 257NQM1000 CA Purchase Owner Occupied PUD 37.34   797 30.12 % XXXXXXXXXXX 301750 Credit Warranty Deed / Quit Claim Deed Provide the Warranty Deed for the loan file. 5/21/2025: Document provided to cure.    Cleared Exception C C C C A A A A 1
XXXXXXXXXXX 257NQM1000 CA Purchase Owner Occupied PUD 37.34   797 30.12 % XXXXXXXXXXX 301764 Credit Property Type - Eligibility Provide a Certificate of Occupancy for new construction property. 5/21/2025: Appraisal update provided showing the property is completed.    Cleared Exception C C C C A A A A 1
XXXXXXXXXXX 257NQM0913 DC Purchase Non-Owner Occupied Four-Unit Property 0 1.0836 783 75.00 % XXXXXXXXXXX 301717 Credit Hazard Insurance The Property Insurance provide from XXXX  did not contain the annual policy premium or evidence of rent loss coverage.  5/28/2025: The premium amount was provided. Rent loss not required for XXXX.    Cleared Exception C C C C A A A A 1
XXXXXXXXXXX 257NQM1004 CA Purchase Owner Occupied Single Family Detached 48.06   726 80.00 % XXXXXXXXXXX 301710 Compliance Other Missing the Service Provider List 05/20/25: Documentation provided to cure.   Cleared Exception C C C C A A A A 1
XXXXXXXXXXX 257NQM1005 TX Purchase Owner Occupied PUD 17.2   661 80.00 % XXXXXXXXXXX 301733 Credit Asset Verification Per guidelines, a non borrowing titleholder who is contributing funds is not considered a gift and no gift letter is required, however one months assets statement is required. The asset statement was not provided in file.   Exception granted by XXXX date XXXX is in file. Funds were directly wired and confirmed with title. DTI - 17.13% DTI, Months Of Reserves - XXXX months reserves Client Accepted C C C C B B B B 2
XXXXXXXXXXX 257NQM1006 MT Refi - Cash Out Non-Owner Occupied PUD 0 0.9482 766 63.02 % XXXXXXXXXXX 301675 Credit Eligibilty The Final Amortization Schedule is missing from the loan file.
 5/19/2025: Document provided to cure.    Cleared Exception C C C C B B B B 1
XXXXXXXXXXX 257NQM1006 MT Refi - Cash Out Non-Owner Occupied PUD 0 0.9482 766 63.02 % XXXXXXXXXXX 301676 Credit Debt Service Coverage Ratio Audit calculated Debt Service Coverage Ratio ("DSCR") is 0.834 which is below the minimum requirement of 1.0 for a cash out refinance loan. Current lease is $XXXX; per LOE in file from the borrower he states he intends to increase the rent to the Market Rent amount of $XXXX after closing; however, a copy of the new lease agreement and proof of rent received at the increased amount are missing from the loan file. 5/21: Current lease for subject expired XXXX Provide one month evidence of rent receipt at lease amount.
5/22: Using the Market Rent of $XXXX results in a DSCR of .95 which is below the guideline minimum of 1.0.
05/29/25: An exception was approved for the guideline deviation.		 Credit Score - 766, Months Of Reserves - XXXX, LTV - 63.02% Client Accepted C C C C B B B B 2
XXXXXXXXXXX 257NQM1006 MT Refi - Cash Out Non-Owner Occupied PUD 0 0.9482 766 63.02 % XXXXXXXXXXX 301689 Credit Hazard Insurance The property insurance policy in file is a blanket policy for the HOA; provide a copy of the borrowers personal policy including Rent Loss coverage or evidence the blanket policy covers all requirements needed  such a rent loss and walls-in. 5/19/2025: Document provided to cure.    Cleared Exception C C C C B B B B 1
XXXXXXXXXXX 257NQM1007 NY Purchase Owner Occupied Single Family Detached 31.57   784 66.98 % XXXXXXXXXXX 301287 Credit Credit No open and active mortgages reporting on initial credit will require pre-approval. 04/28/25: A pre-approval was provided for the housing history.   Cleared Exception C C C C A A A A 1
XXXXXXXXXXX 257NQM0914 FL Refi - Cash Out Non-Owner Occupied Two-Unit Property 0 1.0893 761 59.94 % XXXXXXXXXXX 301702 Credit Eligibilty The subject property was vested asXXXX, however, the business entity docs and EIN are missing from the loan file. 5/21/2025: Document provided to cure.    Cleared Exception C C C C A A A A 1
XXXXXXXXXXX 257NQM1009 MA Purchase Non-Owner Occupied Single Family Detached 0 1.0005 788 75.00 % XXXXXXXXXXX 301658 Credit VOM Borrower does not have any primary housing history. There are no opened and active mortgages on initial credit report.
 Borrower's primary residence property is owned free and clear which satisfies housing history and evidence property taxes are current is in file.    Cleared Exception C C C C A A A A 1
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XXXXXXXXXXX 257NQM0878 NY Purchase Owner Occupied Co Op 5.1   663 47.92 % XXXXXXXXXXX                       A A A A  
XXXXXXXXXXX 257NQM0877 TX Refi - Cash Out Non-Owner Occupied Four-Unit Property 0 1.1003 715 75.00 % XXXXXXXXXXX                       A A A A  
XXXXXXXXXXX 257NQM0882 FL Purchase Non-Owner Occupied PUD 23.31   713 80.00 % XXXXXXXXXXX                       A A A A  
XXXXXXXXXXX 257NQM0868 FL Refi - Cash Out Non-Owner Occupied PUD 0 1.0581 702 70.27 % XXXXXXXXXXX                       A A A A  
XXXXXXXXXXX 257NQM0990 NY Refi - Cash Out Non-Owner Occupied Condo Attached 0 1.5716 736 34.31 % XXXXXXXXXXX                       A A A A  
XXXXXXXXXXX 257NQM0874 MA Purchase Non-Owner Occupied Two-Unit Property 44.1   790 80.00 % XXXXXXXXXXX                       A A A A  
XXXXXXXXXXX 257NQM0879 GA Refi - Cash Out Non-Owner Occupied Single Family Detached 0 1.2495 780 75.00 % XXXXXXXXXXX                       A A A A  
XXXXXXXXXXX 257NQM0994 CA Refi - Cash Out Owner Occupied Single Family Detached 41   630 54.55 % XXXXXXXXXXX                       A A A A  
XXXXXXXXXXX 257NQM0946 FL Refi - Cash Out Non-Owner Occupied Single Family Detached 0 1 750 74.19 % XXXXXXXXXXX                       A A A A  
XXXXXXXXXXX 257NQM0870 FL Refi - Cash Out Non-Owner Occupied Two-Unit Property 0 1.0976 670 70.00 % XXXXXXXXXXX                       A A A A  
XXXXXXXXXXX 257NQM0996 CA Refi - Cash Out Non-Owner Occupied PUD 0 1.0002 678 46.86 % XXXXXXXXXXX                       A A A A  
XXXXXXXXXXX 257NQM1001 SC Purchase Second Home PUD 39.63   803 80.00 % XXXXXXXXXXX                       A A A A  
XXXXXXXXXXX 257NQM0897 CA Purchase Non-Owner Occupied Four-Unit Property 48.06   802 80.00 % XXXXXXXXXXX                       A A A A  
XXXXXXXXXXX 257NQM1003 FL Refi - Cash Out Non-Owner Occupied Three-Unit Property 0 1.0694 745 70.00 % XXXXXXXXXXX                       A A A A  
XXXXXXXXXXX 257NQM0906 FL Purchase Non-Owner Occupied Two-Unit Property 39.11   791 80.00 % XXXXXXXXXXX                       A A A A  
XXXXXXXXXXX 257NQM0886 CA Rate Term Refi Owner Occupied Single Family Detached 36.89   691 53.84 % XXXXXXXXXXX                       A A A A  
XXXXXXXXXXX 257NQM0905 FL Purchase Non-Owner Occupied Single Family Detached 0 1.0774 770 75.00 % XXXXXXXXXXX                       A A A A  
XXXXXXXXXXX 257NQM0887 SC Refi - Cash Out Non-Owner Occupied Single Family Detached 0 1.1137 752 75.00 % XXXXXXXXXXX                       A A A A  
XXXXXXXXXXX 257NQM1008 FL Purchase Non-Owner Occupied Single Family Detached 0 1.1909 696 80.00 % XXXXXXXXXXX                       A A A A  
XXXXXXXXXXX 257NQM0900 FL Purchase Non-Owner Occupied Single Family Detached 35.02   765 80.00 % XXXXXXXXXXX                       A A A A  
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