# EDGAR Filing Document

**Accession Number:** 0002094721
**File Stem:** 0001213900-25-110099
**Filing Date:** 2025-11
**Character Count:** 2942048
**Document Hash:** 36f9e13092cae10e36d46680bb1ed7b4
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001213900-25-110099.hdr.sgml**: 20251113

**ACCESSION NUMBER**: 0001213900-25-110099

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

**PUBLIC DOCUMENT COUNT**: 101

**CONFORMED PERIOD OF REPORT**: 20251113

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

**FILED AS OF DATE**: 20251113

**DATE AS OF CHANGE**: 20251113

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** New Residential Funding 2025-NQM6 LLC
- **CENTRAL INDEX KEY:** 0002094721

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-08097
- **FILM NUMBER:** 251479588

**BUSINESS ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **STREET 2:** 8TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10003
- **BUSINESS PHONE:** 212 850 7770

**MAIL ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **STREET 2:** 8TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10003
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** New Residential Funding 2025-NQM6 LLC
- **CENTRAL INDEX KEY:** 0002094721

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **STREET 2:** 8TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10003
- **BUSINESS PHONE:** 212 850 7770

**MAIL ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **STREET 2:** 8TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10003
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** New Residential Funding 2025-NQM6 LLC
- **CENTRAL INDEX KEY:** 0002094721

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **STREET 2:** 8TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10003
- **BUSINESS PHONE:** 212 850 7770

**MAIL ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **STREET 2:** 8TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10003

OMB Number: 3235-0675

**UNITED STATES<br> SECURITIES AND EXCHANGE COMMISSION<br> Washington, D.C. 20549**

<br> **FORM ABS-15G<br>ASSET-BACKED SECURITIZER<br> REPORT PURSUANT TO SECTION 15G OF<br> THE SECURITIES EXCHANGE ACT OF 1934**

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

☐ Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period______________ to _________________

Date of Report (Date of filing) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

Name and telephone number, including area code, of the person<br> to contact in connection with this filing.

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

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

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

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

Central Index Key Number of sponsor: <u>0002094721</u> 

NEW RESIDENTIAL MORTGAGE LOAN TRUST 2025-NQM6

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

Central Index Key Number of issuing entity (if applicable): <u>Not applicable</u>

Central Index Key Number of underwriter (if applicable): <u>Not applicable</u>

Philip Sivin, 212-798-6100

Name and telephone number, including area code, of the person<br> to contact in connection with this filing.

**FINDINGS AND CONCLUSIONS OF THIRD-PARTY DUE DILIGENCE REPORTS**

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

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

The AMC Executive Summary attached as Exhibit 99.1 to this Form ABS-15G includes 96 mortgage loans, with an aggregate unpaid principal balance of $41,290,341.19, that have been removed from the transaction for reasons unrelated to diligence. Although such mortgage loans are included in the Executed Summary, they have been removed from the Rating Agency Grades report, the Exception Grades report, the Valuation Summary report, the Business Purpose report and the Data Compare report prepared by AMC and attached to this Form ABS-15G.

The Inglet Blair Executive Summary attached as Exhibit 99.9 to this Form ABS-15G includes 1 mortgage loan, with an unpaid principal balance of $273,731.02, that has been removed from the transaction for reasons unrelated to diligence. Although such mortgage loan is included in the Executed Summary, it has been removed from the Valuation report, the Loan Summary, the Exception report, the QM Summary, the Data Comparison and the Final Grading Summary prepared by Inglet Blair and attached to this Form ABS-15G.

**SIGNATURES**

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

---

| | | | |
|:---|:---|:---|:---|
|  | NEW RESIDENTIAL FUNDING 2025-NQM6 LLC | NEW RESIDENTIAL FUNDING 2025-NQM6 LLC | NEW RESIDENTIAL FUNDING 2025-NQM6 LLC |
| Date: November 13, 2025 | By: | /s/ Nicola Santoro, Jr. | /s/ Nicola Santoro, Jr. |
|  |  | Name: | Nicola Santoro, Jr. |
|  |  | Title: | Chief Financial Officer |

---

**EXHIBIT INDEX**

<u>Exhibit Number</u>

[99.1 - Third Party Due Diligence Report - AMC Executive Summary](ea026555401_ex99-1.htm)

[Schedule 1 – Rating Agency Grades](ea026555401_ex99-1sch1.htm)

[Schedule 2 – Exception Grades](ea026555401_ex99-1sch2.htm)

[Schedule 3 – Valuation Summary](ea026555401_ex99-1sch3.htm)

[Schedule 4 – Business Purpose Report](ea026555401_ex99-1sch4.htm)

[Schedule 5 – Data Compare](ea026555401_ex99-1sch5.htm)

[99.2 - Third Party Due Diligence Report - Infinity Executive Summary](ea026555401_ex99-2.htm)

[Schedule 1 – Valuation Report](ea026555401_ex99-2sch1.htm)

[Schedule 2 – Rating Agency Grades Report](ea026555401_ex99-2sch2.htm)

[Schedule 3 – Data Compare](ea026555401_ex99-2sch3.htm)

[Schedule 4 – Loan Level Exception Report](ea026555401_ex99-2sch4.htm)

[Schedule 5 – Individual Exception Report](ea026555401_ex99-2sch5.htm)

[99.3 - Third Party Due Diligence Report - Evolve Executive Summary](ea026555401_ex99-3.htm)

[Schedule 1 – Valuation Report](ea026555401_ex99-3sch1.htm)

[Schedule 2 – Rating Agency Grades](ea026555401_ex99-3sch2.htm)

[Schedule 3 – Business Purpose Report](ea026555401_ex99-3sch3.htm)

[Schedule 4 – Data Compare](ea026555401_ex99-3sch4.htm)

[Schedule 5 – Exception Detail](ea026555401_ex99-3sch5.htm)

[Schedule 6 – QM ATR Report](ea026555401_ex99-3sch6.htm)

[99.4 - Third Party Due Diligence Report - Clarifii Executive Summary](ea026555401_ex99-4.htm)

[Schedule 1 – Valuation Report](ea026555401_ex99-4sch1.htm)

[Schedule 2 – Rating Agency Grades Summary](ea026555401_ex99-4sch2.htm)

[Schedule 3 – Data Compare](ea026555401_ex99-4sch3.htm)

[Schedule 4 – ATR QM Report](ea026555401_ex99-4sch4.htm)

[Schedule 5 – Rating Agency Grades Detail Report](ea026555401_ex99-4sch5.htm)

[Schedule 6 – Business Purpose Supplement](ea026555401_ex99-4sch6.htm)

[99.5 - Third Party Due Diligence Report – Consolidated Analytics Executive Summary](ea026555401_ex99-5.htm)

[Schedule 1 – Rating Agency Grades Summary](ea026555401_ex99-5sch1.htm)

[Schedule 2 – Due Diligence Standard Report](ea026555401_ex99-5sch2.htm)

[Schedule 3 – Valuations Report](ea026555401_ex99-5sch3.htm)

[Schedule 4 – Data Compare](ea026555401_ex99-5sch4.htm)

[99.6 - Third Party Due Diligence Report - Opus Executive Summary](ea026555401_ex99-6.htm)

[Schedule 1 – Valuation Report](ea026555401_ex99-6sch1.htm)

[Schedule 2 – Rating Agency Grades Summary](ea026555401_ex99-6sch2.htm)

[Schedule 3 – Business Purpose Supplemental Extract](ea026555401_ex99-6sch3.htm)

[Schedule 4 – Standard Findings Report](ea026555401_ex99-6sch4.htm)

[Schedule 5 – Data Compare](ea026555401_ex99-6sch5.htm)

[99.7 - Third Party Due Diligence Report - Selene Executive Summary](ea026555401_ex99-7.htm)

[Schedule 1 – Valuation Report](ea026555401_ex99-7sch1.htm)

[Schedule 2 – Rating Agency Grades Summary](ea026555401_ex99-7sch2.htm)

[Schedule 3 – Business Purpose Supplemental Extract](ea026555401_ex99-7sch3.htm)

[Schedule 4 – Standard Findings](ea026555401_ex99-7sch4.htm)

[Schedule 5 – Data Compare](ea026555401_ex99-7sch5.htm)

[99.8 - Third Party Due Diligence Report - Canopy Executive Summary](ea026555401_ex99-8.htm)

[Schedule 1 – Valuation Report](ea026555401_ex99-8sch1.htm)

[Schedule 2 – Rating Agency Grades Detail Report](ea026555401_ex99-8sch2.htm)

[Schedule 3 – Business Purpose Supplement](ea026555401_ex99-8sch3.htm)

[Schedule 4 – ATR QM Report](ea026555401_ex99-8sch4.htm)

[Schedule 5 – Data Compare](ea026555401_ex99-8sch5.htm)

[Schedule 6 – Rating Agency Grades Summary Report](ea026555401_ex99-8sch6.htm)

[99.9 - Third Party Due Diligence Report – Inglet Blair Executive Summary](ea026555401_ex99-9.htm)

[Schedule 1 – Valuation Report](ea026555401_ex99-9sch1.htm)

[Schedule 2 – Loan Summary](ea026555401_ex99-9sch2.htm)

[Schedule 3 – Exception Report](ea026555401_ex99-9sch3.htm)

[Schedule 4 – QM Summary](ea026555401_ex99-9sch4.htm)

[Schedule 5 – Data Comparison](ea026555401_ex99-9sch5.htm)

[Schedule 6 – Final Grading Summary](ea026555401_ex99-9sch6.htm)

[99.10 - Third Party Due Diligence Report – Covius Executive Summary](ea026555401_ex99-10.htm)

[Schedule 1 – Valuation Report](ea026555401_ex99-10sch1.htm)

[Schedule 2 – Rating Agency Exceptions Matrix](ea026555401_ex99-10sch2.htm)

[Schedule 3 – Tape Compare](ea026555401_ex99-10sch3.htm)

[Schedule 4 – Rating Agency Grades](ea026555401_ex99-10sch4.htm)

[Schedule 5 – ATR QM Report](ea026555401_ex99-10sch5.htm)

[Schedule 6 – Business Purpose Supplement](ea026555401_ex99-10sch6.htm)

[99.11 - Third Party Due Diligence Report – Clayton Executive Summary](ea026555401_ex99-11.htm)

[Schedule 1 – Valuations Summary](ea026555401_ex99-11sch1.htm)

[Schedule 2 – Non ATR QM Report](ea026555401_ex99-11sch2.htm)

[Schedule 3 – Conditions Detail](ea026555401_ex99-11sch3.htm)

[Schedule 4 – Rating Agency ATR QM Report](ea026555401_ex99-11sch4.htm)

[Schedule 5 – Loan Level Tape Compare](ea026555401_ex99-11sch5.htm)

[Schedule 6 – Loan Grades](ea026555401_ex99-11sch6.htm)

## Exhibit 99.1

**Exhibit 99.1**

![](ex99-1_001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC" or "SitusAMC") performed the due diligence services described below (the "Review") on residential Loans (as defined in (2) below) originated by multiple correspondent lenders and acquired directly via reliance letter by Rithm Capital, or its affiliates (the "Client") through mortgage loan files reviewed on behalf of such parties or with results conveyed from another party to the Client via reliance letter. The Review, which includes reliance letter Loans the time of an initial review performed for such party, was conducted from October 2024 through August 2025 on Loans with origination dates from June 2021 through July 2025 via files imaged and provided by the Client for review. The Review includes Loans that were reviewed both (i) directly for an affiliate of the Client and (ii) for correspondents with results conveyed to an affiliate of the Client by a reliance letter.

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

The final population of the Review contained three hundred ninety (390) Loans totaling an aggregate original principal balance of approximately $167.669 million (the "Loans").

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

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

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;Original HLTV |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Original Interest Rate |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Appraisal As-Is Value | &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Blanket Mortgage? | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Originator Application Date |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;PITIA Reserves Months |
| &nbsp;&nbsp;Borrower EIN | &nbsp;&nbsp;Last Property Transfer Date | &nbsp;&nbsp;Prepayment Penalty Period (months) |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Product Description |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;Loan Property Count | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Loan to Cost (LTC) | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;State |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;Neg Am | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Total Income |
| &nbsp;&nbsp;Coborrower FTHB | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Universal Loan Identifier (ULI) |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Zip |

---

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

1 \| P a g e

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

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

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

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

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

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

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

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

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

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

2 \| P a g e

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

3 \| P a g e

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

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

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

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

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

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

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

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

---

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

---

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

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

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

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

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

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

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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AMC reviews applicable mortgage loans for compliance with the ATR and QM rule requirements based upon each mortgage loan's originator designation (Safe Harbor QM, Higher-priced QM, Temporary SHQM, Temporary HPQM, Non-QM, Exempt from ATR). AMC determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, AMC notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally, AMC notes if an originator mortgage loan designation was not provided.

 

*<u>Qualified Mortgage</u>*

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

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

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

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

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

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

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

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

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

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

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

 

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

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

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;▪ Underwriting summary / loan approval (1008);

&nbsp;&nbsp;&nbsp;&nbsp;▪ Credit report;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Income and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Asset documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Sales contract;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Hazard and/or flood insurance policies;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Copy of note for any junior liens;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Title/Preliminary Title;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final 1003;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Changed circumstance documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Right of Rescission Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage/Deed of Trust;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Tangible Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Subordination Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;▪ FACTA disclosures;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Notice of Special Flood Hazards;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial and final GFE's;

&nbsp;&nbsp;&nbsp;&nbsp;▪ HUD from sale of previous residence;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial TIL;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final TIL;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Closing Disclosures; and

&nbsp;&nbsp;&nbsp;&nbsp;▪ Certain
other disclosures related to the enumerated tests set forth herein.

**(8) Other: review and methodology.**

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

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**(9) Disclaimer.**

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

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

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

**OVERALL REVIEW RESULTS SUMMARY**

Of the three hundred ninety (390) Loans reviewed, all three hundred ninety (390) Loans or (100%) received an overall "A" or "B" grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Grades** | &nbsp;&nbsp;**Overall Loan Grades** | &nbsp;&nbsp;**Overall Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of <br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;321 | &nbsp;&nbsp;82.31% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;69 | &nbsp;&nbsp;17.69% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**390** | &nbsp;&nbsp;**100.00%** |

---

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**COMPLIANCE RESULTS SUMMARY**

Two hundred eighty-five (285) Loans are DSCR loans and will not have a compliance grade.

Of the one hundred five (105) Loans reviewed for compliance, all one hundred five (105) Loans or (100%) received an "A" or "B" compliance grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Loan Grades** | &nbsp;&nbsp;**Compliance Loan Grades** | &nbsp;&nbsp;**Compliance Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of <br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;97 | &nbsp;&nbsp;92.38% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;8 | &nbsp;&nbsp;7.62% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**105** | &nbsp;&nbsp;**100.00%** |

---

**CREDIT RESULTS SUMMARY**

All three hundred ninety (390) Loans (100%) reviewed received an "A" or "B" credit grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Loan Grades** | &nbsp;&nbsp;**Credit Loan Grades** | &nbsp;&nbsp;**Credit Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;324 | &nbsp;&nbsp;83.08% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;66 | &nbsp;&nbsp;16.92% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**390** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

All three hundred ninety (390) Loans (100%) reviewed under the applicable rating agency criteria, received an "A" property grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Loan Grades** | &nbsp;&nbsp;**Property Loan Grades** | &nbsp;&nbsp;**Property Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of <br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;390 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**390** | &nbsp;&nbsp;**100.00%** |

---

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**EXCEPTION CATEGORY SUMMARY** 

The table below summarizes the individual exceptions which carried an associated "B", "C", or "D" level exception grade. One Loan may have carried more than one exception. In such cases, the exception with the lowest grade would drive the loan grade for that particular area of the review. The overall loan grade is the lowest grade for any one particular review scope (ex. a loan with a Compliance Grade of "B", a Credit Grade of "A", and a Property Grade of "A" would receive an overall loan grade of "B").

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception <br> Type** | &nbsp;&nbsp;**Fitch & Kroll Final <br> Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***11*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**11** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;47 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Business Purpose | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal Reconciliation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***84*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**84** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**95** |

---

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the three hundred ninety (390) Loans reviewed, two hundred thirty-eight (238) unique Loans had a total of four hundred eighty (480) different tape discrepancies across forty-seven (47) data fields (some Loans had more than one data delta). The largest variances were found on Borrower Last Name, Note Date and Subject Debt Service Coverage Ratio where the data tape information did not coincide with the documentation type found in the loan file.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**%<br> Variance** | &nbsp;&nbsp;**# Of<br> Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;2 | &nbsp;&nbsp;378 | &nbsp;&nbsp;0.53% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;5 | &nbsp;&nbsp;93 | &nbsp;&nbsp;5.38% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;388 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Appraisal As-Is Value | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;5 | &nbsp;&nbsp;95 | &nbsp;&nbsp;5.26% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Blanket Mortgage? | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;2 | &nbsp;&nbsp;4 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Borrower EIN | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;8 | &nbsp;&nbsp;108 | &nbsp;&nbsp;7.41% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;139 | &nbsp;&nbsp;390 | &nbsp;&nbsp;35.64% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;3 | &nbsp;&nbsp;8 | &nbsp;&nbsp;37.50% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;1 | &nbsp;&nbsp;390 | &nbsp;&nbsp;0.26% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;7 | &nbsp;&nbsp;14.29% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Coborrower FTHB | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;3 | &nbsp;&nbsp;7 | &nbsp;&nbsp;42.86% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;2 | &nbsp;&nbsp;3 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;49 | &nbsp;&nbsp;384 | &nbsp;&nbsp;12.76% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;14 | &nbsp;&nbsp;28.57% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;4 | &nbsp;&nbsp;287 | &nbsp;&nbsp;1.39% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;7 | &nbsp;&nbsp;14 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Last Property Transfer Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;108 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Loan Property Count | &nbsp;&nbsp;2 | &nbsp;&nbsp;4 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Loan to Cost (LTC) | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;6 | &nbsp;&nbsp;295 | &nbsp;&nbsp;2.03% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;6 | &nbsp;&nbsp;375 | &nbsp;&nbsp;1.60% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;3 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Neg Am | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;55 | &nbsp;&nbsp;295 | &nbsp;&nbsp;18.64% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;379 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Original HLTV | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;2 | &nbsp;&nbsp;390 | &nbsp;&nbsp;0.51% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;390 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;19 | &nbsp;&nbsp;105 | &nbsp;&nbsp;18.10% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;4 | &nbsp;&nbsp;375 | &nbsp;&nbsp;1.07% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;299 | &nbsp;&nbsp;0.33% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Originator Application Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;PITIA Reserves Months | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Product Description | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;27 | &nbsp;&nbsp;388 | &nbsp;&nbsp;6.96% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;390 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;13 | &nbsp;&nbsp;390 | &nbsp;&nbsp;3.33% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;390 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;4 | &nbsp;&nbsp;390 | &nbsp;&nbsp;1.03% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;53 | &nbsp;&nbsp;281 | &nbsp;&nbsp;18.86% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Total Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Universal Loan Identifier (ULI) | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;3 | &nbsp;&nbsp;390 | &nbsp;&nbsp;0.77% | &nbsp;&nbsp;390 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**480** | &nbsp;&nbsp;**8292** | &nbsp;&nbsp;**5.79%** | &nbsp;&nbsp;**390** |

---

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;390 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$167669046.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**390** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$167669046.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;390 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$167669046.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**390** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$167669046.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;160 | &nbsp;&nbsp;41.03% | &nbsp;&nbsp;$68001006.00 | &nbsp;&nbsp;40.56% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;23 | &nbsp;&nbsp;5.90% | &nbsp;&nbsp;$8974581.00 | &nbsp;&nbsp;5.35% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;160 | &nbsp;&nbsp;41.03% | &nbsp;&nbsp;$71202777.00 | &nbsp;&nbsp;42.47% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;47 | &nbsp;&nbsp;12.05% | &nbsp;&nbsp;$19490682.00 | &nbsp;&nbsp;11.62% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**390** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$167669046.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;386 | &nbsp;&nbsp;98.97% | &nbsp;&nbsp;$164766546.00 | &nbsp;&nbsp;98.27% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.03% | &nbsp;&nbsp;$2902500.00 | &nbsp;&nbsp;1.73% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**390** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$167669046.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;209 | &nbsp;&nbsp;53.59% | &nbsp;&nbsp;$91853146.00 | &nbsp;&nbsp;54.78% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;16 | &nbsp;&nbsp;4.10% | &nbsp;&nbsp;$5174182.00 | &nbsp;&nbsp;3.09% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.79% | &nbsp;&nbsp;$3360750.00 | &nbsp;&nbsp;2.00% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;82 | &nbsp;&nbsp;21.03% | &nbsp;&nbsp;$29829208.00 | &nbsp;&nbsp;17.79% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;12 | &nbsp;&nbsp;3.08% | &nbsp;&nbsp;$3340650.00 | &nbsp;&nbsp;1.99% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;32 | &nbsp;&nbsp;8.21% | &nbsp;&nbsp;$14228090.00 | &nbsp;&nbsp;8.49% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;18 | &nbsp;&nbsp;4.62% | &nbsp;&nbsp;$10955524.00 | &nbsp;&nbsp;6.53% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;14 | &nbsp;&nbsp;3.59% | &nbsp;&nbsp;$8927496.00 | &nbsp;&nbsp;5.32% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**390** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$167669046.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;67 | &nbsp;&nbsp;17.18% | &nbsp;&nbsp;$43001662.00 | &nbsp;&nbsp;25.65% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;323 | &nbsp;&nbsp;82.82% | &nbsp;&nbsp;$124667384.00 | &nbsp;&nbsp;74.35% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**390** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$167669046.00** | &nbsp;&nbsp;**100.00%** |

---

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## Exhibit 99.1

**Exhibit 99.1 Schedule 1**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-1sch1_001.jpg) |  |  |  |  |  |  |  |  |
| **Rating Agency Grades** |  |  |  |  |  |  |  |  |
| **Run Date - 10/28/2025 1:45:10 PM** |  |  |  |  |  |  |  |  |
| **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| XX | 223651173 | XX | XX |  | XX | XX C |  | A | C | B |  | A | B |
| XX | 223953440 | XX | XX |  | XX | XX C | C | A | C | A | A | A | A |
| XX | 224065193 | XX | XX |  | XX | XX A | A | A | A | A | A | A | A |
| XX | 224065195 | XX | XX |  | XX | XX B | A | A | B | B | A | A | B |
| XX | 224065196 | XX | XX |  | XX | XX C | A | A | C | B | A | A | B |
| XX | 224065197 | XX | XX |  | XX | XX C | B | A | C | B | B | A | B |
| XX | 224065198 | XX | XX |  | XX | XX C | C | A | C | B | B | A | B |
| XX | 224065201 | XX | XX |  | XX | XX B | C | A | C | B | B | A | B |
| XX | 224065209 | XX | XX |  | XX | XX D | A | D | D | A | A | A | A |
| XX | 224065210 | XX | XX |  | XX | XX C | A | A | C | A | A | A | A |
| XX | 224065211 | XX | XX |  | XX | XX C | A | A | C | A | A | A | A |
| XX | 224065212 | XX | XX |  | XX | XX A | A | A | A | A | A | A | A |
| XX | 224065215 | XX | XX |  | XX | XX A | A | A | A | A | A | A | A |
| XX | 224065231 | XX | XX |  | XX | XX C |  | A | C | A |  | A | A |
| XX | 224065232 | XX | XX |  | XX | XX B |  | A | B | B |  | A | B |
| XX | 224065233 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224065237 | XX | XX |  | XX | XX C D |  | A | C D | A |  | A | A |
| XX | 224065241 | XX | XX |  | XX | XX C |  | A | C | A |  | A | A |
| XX | 224065242 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224081987 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224081992 | XX | XX |  | XX | XX D |  | A | D | B |  | A | B |
| XX | 224081994 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224081998 | XX | XX |  | XX | XX C |  | A | C | A |  | A | A |
| XX | 224082000 | XX | XX |  | XX | XX D |  | A | D | B |  | A | B |
| XX | 224082001 | XX | XX |  | XX | XX D |  | A | D | A |  | A | A |
| XX | 224082002 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082004 | XX | XX |  | XX | XX A |  | D | D | A |  | A | A |
| XX | 224082007 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082008 | XX | XX |  | XX | XX C |  | A | C | A |  | A | A |
| XX | 224082010 | XX | XX |  | XX | XX C |  | A | C | A |  | A | A |
| XX | 224082013 | XX | XX |  | XX | XX B |  | D | D | B |  | A | B |
| XX | 224082014 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082015 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082018 | XX | XX |  | XX | XX C |  | A | C | B |  | A | B |
| XX | 224082020 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082032 | XX | XX |  | XX | XX C |  | A | C | A |  | A | A |
| XX | 224082033 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082038 | XX | XX |  | XX | XX C |  | A | C | B |  | A | B |
| XX | 224082039 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082042 | XX | XX |  | XX | XX C |  | A | C | A |  | A | A |
| XX | 224082044 | XX | XX |  | XX | XX C |  | A | C | B |  | A | B |
| XX | 224082047 | XX | XX |  | XX | XX C |  | A | C | B |  | A | B |
| XX | 224082052 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082057 | XX | XX |  | XX | XX C |  | A | C | A |  | A | A |
| XX | 224082059 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082064 | XX | XX |  | XX | XX C |  | A | C | A |  | A | A |
| XX | 224082065 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082067 | XX | XX |  | XX | XX C |  | A | C | A |  | A | A |
| XX | 224082068 | XX | XX |  | XX | XX B |  | A | B | B |  | A | B |
| XX | 224082073 | XX | XX |  | XX | XX C |  | A | C | A |  | A | A |
| XX | 224082074 | XX | XX |  | XX | XX C |  | A | C | A |  | A | A |
| XX | 224082076 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082083 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082084 | XX | XX |  | XX | XX B |  | A | B | B |  | A | B |
| XX | 224082090 | XX | XX |  | XX | XX C |  | A | C | A |  | A | A |
| XX | 224082113 | XX | XX |  | XX | XX C |  | A | C | A |  | A | A |
| XX | 224082114 | XX | XX |  | XX | XX B |  | A | B | A |  | A | A |
| XX | 224082115 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082116 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082120 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082124 | XX | XX |  | XX | XX C |  | D | D | A |  | A | A |
| XX | 224082125 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082128 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082132 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082133 | XX | XX |  | XX | XX C |  | A | C | A |  | A | A |
| XX | 224082135 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082139 | XX | XX |  | XX | XX C |  | A | C | A |  | A | A |
| XX | 224082140 | XX | XX |  | XX | XX B |  | A | B | A |  | A | A |
| XX | 224082141 | XX | XX |  | XX | XX C |  | A | C | A |  | A | A |
| XX | 224082144 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082146 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082148 | XX | XX |  | XX | XX D |  | A | D | A |  | A | A |
| XX | 224082150 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082152 | XX | XX |  | XX | XX C |  | A | C | A |  | A | A |
| XX | 224082155 | XX | XX |  | XX | XX C |  | A | C | A |  | A | A |
| XX | 224082156 | XX | XX |  | XX | XX D |  | A | D | B |  | A | B |
| XX | 224082164 | XX | XX |  | XX | XX A |  | D | D | A |  | A | A |
| XX | 224082165 | XX | XX |  | XX | XX C |  | A | C | A |  | A | A |
| XX | 224082166 | XX | XX |  | XX | XX C |  | A | C | A |  | A | A |
| XX | 224082168 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082170 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082173 | XX | XX |  | XX | XX B |  | A | B | B |  | A | B |
| XX | 224082174 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082178 | XX | XX |  | XX | XX C |  | A | C | A |  | A | A |
| XX | 224082179 | XX | XX |  | XX | XX B |  | A | B | B |  | A | B |
| XX | 224082180 | XX | XX |  | XX | XX C |  | A | C | A |  | A | A |
| XX | 224082182 | XX | XX |  | XX | XX C |  | A | C | A |  | A | A |
| XX | 224082183 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082184 | XX | XX |  | XX | XX B |  | A | B | B |  | A | B |
| XX | 224082185 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082186 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082187 | XX | XX |  | XX | XX D |  | A | D | A |  | A | A |
| XX | 224082188 | XX | XX |  | XX | XX B |  | A | B | B |  | A | B |
| XX | 224082190 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082191 | XX | XX |  | XX | XX C |  | A | C | A |  | A | A |
| XX | 224082192 | XX | XX |  | XX | XX C |  | A | C | A |  | A | A |
| XX | 224082195 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082196 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082197 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082198 | XX | XX |  | XX | XX C |  | A | C | A |  | A | A |
| XX | 224082200 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082201 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082202 | XX | XX |  | XX | XX C |  | A | C | A |  | A | A |
| XX | 224082203 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082205 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082207 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082209 | XX | XX |  | XX | XX C |  | A | C | A |  | A | A |
| XX | 224082210 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082212 | XX | XX |  | XX | XX B |  | A | B | B |  | A | B |
| XX | 224082213 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082214 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082215 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082218 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082219 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082220 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082221 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082224 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082227 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082228 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082229 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082233 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082235 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082237 | XX | XX |  | XX | XX A | A | C | C | A | A | A | A |
| XX | 224082238 | XX | XX |  | XX | XX C | A | A | C | A | A | A | A |
| XX | 224082247 | XX | XX |  | XX | XX C | A | A | C | B | A | A | B |
| XX | 224082248 | XX | XX |  | XX | XX C | A | A | C | A | A | A | A |
| XX | 224082249 | XX | XX |  | XX | XX B | A | C | C | A | A | A | A |
| XX | 224082250 | XX | XX |  | XX | XX C | A | A | C | A | A | A | A |
| XX | 224082251 | XX | XX |  | XX | XX A | B | A | B | A | A | A | A |
| XX | 224082252 | XX | XX |  | XX | XX C | A | A | C | A | A | A | A |
| XX | 224082257 | XX | XX |  | XX | XX C | C | A | C | B | A | A | B |
| XX | 224082262 | XX | XX |  | XX | XX A | A | A | A | A | A | A | A |
| XX | 224082266 | XX | XX |  | XX | XX B | A | A | B | B | A | A | B |
| XX | 224082276 | XX | XX |  | XX | XX C | C | A | C | A | B | A | B |
| XX | 224082279 | XX | XX |  | XX | XX C | A | A | C | A | A | A | A |
| XX | 224082284 | XX | XX |  | XX | XX A | A | A | A | A | A | A | A |
| XX | 224082285 | XX | XX |  | XX | XX B | C | A | C | A | A | A | A |
| XX | 224082287 | XX | XX |  | XX | XX C | A | A | C | A | A | A | A |
| XX | 224082288 | XX | XX |  | XX | XX C | A | A | C | B | A | A | B |
| XX | 224082294 | XX | XX |  | XX | XX C | C | A | C | A | A | A | A |
| XX | 224082295 | XX | XX |  | XX | XX C | C | B | C | A | A | A | A |
| XX | 224082296 | XX | XX |  | XX | XX C | A | A | C | A | A | A | A |
| XX | 224082298 | XX | XX |  | XX | XX C | A | A | C | B | A | A | B |
| XX | 224082300 | XX | XX |  | XX | XX A | A | A B | A B | A | A | A B | A B |
| XX | 224082302 | XX | XX |  | XX | XX A | C | A | C | A | A | A | A |
| XX | 224082317 | XX | XX |  | XX | XX A | A | A | A | A | A | A | A |
| XX | 224082318 | XX | XX |  | XX | XX C | A | A | C | B | A | A | B |
| XX | 224082319 | XX | XX |  | XX | XX A | A | A | A | A | A | A | A |
| XX | 224082322 | XX | XX |  | XX | XX C | A | A | C | A | A | A | A |
| XX | 224082334 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082341 | XX | XX |  | XX | XX C |  | A | C | A |  | A | A |
| XX | 224082345 | XX | XX |  | XX | XX C |  | A | C | A |  | A | A |
| XX | 224082349 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082350 | XX | XX |  | XX | XX C |  | A | C | A |  | A | A |
| XX | 224082351 | XX | XX |  | XX | XX C D |  | A | C D | A |  | A | A |
| XX | 224082355 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082356 | XX | XX |  | XX | XX C |  | A | C | A |  | A | A |
| XX | 224082357 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082363 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082364 | XX | XX |  | XX | XX C |  | A | C | A |  | A | A |
| XX | 224082369 | XX | XX |  | XX | XX C |  | A | C | B |  | A | B |
| XX | 224082372 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082374 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082376 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082379 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082380 | XX | XX |  | XX | XX C |  | A | C | A |  | A | A |
| XX | 224082385 | XX | XX |  | XX | XX C |  | A | C | B |  | A | B |
| XX | 224082386 | XX | XX |  | XX | XX B |  | A | B | B |  | A | B |
| XX | 224082388 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082389 | XX | XX |  | XX | XX C |  | A | C | A |  | A | A |
| XX | 224082390 | XX | XX |  | XX | XX C |  | D | D | A |  | A | A |
| XX | 224082395 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082396 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082400 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082401 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082405 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082416 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082418 | XX | XX |  | XX | XX D |  | A | D | A |  | A | A |
| XX | 224082419 | XX | XX |  | XX | XX C |  | A | C | B |  | A | B |
| XX | 224082421 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082423 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082430 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082439 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082440 | XX | XX |  | XX | XX C |  | A | C | A |  | A | A |
| XX | 224082448 | XX | XX |  | XX | XX C |  | A | C | A |  | A | A |
| XX | 224082457 | XX | XX |  | XX | XX C |  | A | C | B |  | A | B |
| XX | 224082459 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082466 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082467 | XX | XX |  | XX | XX C |  | A | C | A |  | A | A |
| XX | 224082469 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082474 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082480 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082481 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082482 | XX | XX |  | XX | XX C |  | A | C | A |  | A | A |
| XX | 224082484 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082485 | XX | XX |  | XX | XX C D |  | A | C D | A |  | A | A |
| XX | 224082486 | XX | XX |  | XX | XX C |  | A | C | A |  | A | A |
| XX | 224082489 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082492 | XX | XX |  | XX | XX C |  | A | C | A |  | A | A |
| XX | 224082496 | XX | XX |  | XX | XX A |  | D | D | A |  | A | A |
| XX | 224082497 | XX | XX |  | XX | XX C |  | A | C | A |  | A | A |
| XX | 224082498 | XX | XX |  | XX | XX C |  | A | C | A |  | A | A |
| XX | 224082500 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082501 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082502 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082503 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082504 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082505 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082506 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082507 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |
| XX | 224082515 | XX | XX |  | XX | XX B | A | D | D | B | A | A | B |
| XX | 224082516 | XX | XX |  | XX | XX C | A | A | C | B | A | A | B |
| XX | 224082517 | XX | XX |  | XX | XX A | A | A | A | A | A | A | A |
| XX | 224082521 | XX | XX |  | XX | XX A | A | A | A | A | A | A | A |
| XX | 224082523 | XX | XX |  | XX | XX A | C | A | C | A | A | A | A |
| XX | 224082524 | XX | XX |  | XX | XX A | A | A | A | A | A | A | A |
| XX | 224082672 | XX | XX |  | XX | XX C | A | C | C | A | A | A | A |
| XX | 224082673 | XX | XX |  | XX | XX B | A | A | B | B | A | A | B |
| XX | 224082674 | XX | XX |  | XX | XX A | A | A | A | A | A | A | A |
| XX | 224082675 | XX | XX |  | XX | XX C | A | A | C | A | A | A | A |
| XX | 224082678 | XX | XX |  | XX | XX B | A | A | B | B | A | A | B |
| XX | 224082679 | XX | XX |  | XX | XX C | A | A | C | A | A | A | A |
| XX | 224082680 | XX | XX |  | XX | XX B | A | A | B | B | A | A | B |
| XX | 224082681 | XX | XX |  | XX | XX B | A | A | B | B | A | A | B |
| XX | 224082698 | XX | XX |  | XX | XX A | C | A | C | A | A | A | A |
| XX | 224082699 | XX | XX |  | XX | XX B | A | D | D | B | A | A | B |
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| XX | 224310653 | XX | XX |  | XX | XX C | A | A | C | A | A | A | A |
| XX | 224310654 | XX | XX |  | XX | XX C | A | B | C | A | A | A | A |
| XX | 224310655 | XX | XX |  | XX | XX C | C | A | C | A | A | A | A |
| XX | 224310656 | XX | XX |  | XX | XX C | A | A | C | A | A | A | A |
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| XX | 224310706 | XX | XX |  | XX | XX C D |  | A | C D | A |  | A | A |
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| XX | 224310739 | XX | XX |  | XX | XX A |  | A | A | A |  | A | A |

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## Exhibit 99.1

**Exhibit 99.1 Schedule 2**

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| |
|:---|
| ![](ex99-1sch2_001.jpg) |
| **Exception Grades** |
| **Run Date - 10/28/2025 1:45:10 PM** |

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **XXXX Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| XX | 223651173 | XX | XX |  | 33785229 | 12025030209-32065 | 04/18/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-05-06): clear<br>Buyer Comment (2025-05-05): Please see page #6 of Title previously sent reflecting correct loan amount of $xxx. Thank you.<br>Reviewer Comment (2025-04-29): Loan amount not found with title.<br>Buyer Comment (2025-04-25): Please find the Title Policy with loan amount attached. Thank you. | 05/06/2025 |  |  | 1 B A | XX | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XX | 223651173 | XX | XX |  | 33785230 | 12025030209-5397 | 04/18/2025 | Credit | Business Purpose | General | Business Purpose | Verification of Borrower's identity is missing. | Borrower: XX |  | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Combined Loan to Value: 48.78049%<br> Guideline Maximum Combined Loan to Value: 70.00000%<br>Loan to Value: 48.78049%<br> Guideline Maximum Loan to Value: 70.00000% | XXXX<br>XXXX | Reviewer Comment (2025-04-29): Waived with compensating factors at clients request.<br>Buyer Comment (2025-04-25): Please waive all related conditions for the non-borrowing grantor "XXXX" due to the following compensating factors:<br> Borrowers mid fico score is 40+ points higher than the minimum required for this program/product.<br> Borrowers dscr score is over 1.00%. Borrower has excellent ltv under max for this program/product of 49%. Borrower is an experienced landlord/property manager. Thank you. |  |  | 04/29/2025 | 2 C B | XX | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XX | 223651173 | XX | XX |  | 33785231 | 12025030209-578 | 04/18/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Birth Date was not provided | Borrower: XX |  | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Combined Loan to Value: 48.78049%<br> Guideline Maximum Combined Loan to Value: 70.00000%<br>Loan to Value: 48.78049%<br> Guideline Maximum Loan to Value: 70.00000% | XXXX<br>XXXX | Reviewer Comment (2025-04-29): Waived with compensating factors at clients request.<br>Buyer Comment (2025-04-25): Please waive all related conditions for the non-borrowing grantor "XXXX" due to the following compensating factors:<br> Borrowers mid fico score is 40+ points higher than the minimum required for this program/product.<br> Borrowers dscr score is over 1.00%. Borrower has excellent ltv under max for this program/product of 49%. Borrower is an experienced landlord/property manager. Thank you. |  |  | 04/29/2025 | 2 B | XX | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XX | 223651173 | XX | XX |  | 33785232 | 12025030209-25749 | 04/18/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Provided Closing Statement was estimated and not the final. |  |  |  | Reviewer Comment (2025-04-29): clear<br>Buyer Comment (2025-04-25): Please find the final HUD-1 attached. Thank you. | 04/29/2025 |  |  | 1 C A | XX | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XX | 223651173 | XX | XX |  | 33785233 | 12025030209-3831 | 04/18/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Loan Application was not provided for co-borrower XX. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Combined Loan to Value: 48.78049%<br> Guideline Maximum Combined Loan to Value: 70.00000%<br>Loan to Value: 48.78049%<br> Guideline Maximum Loan to Value: 70.00000% | XXXX<br>XXXX | Reviewer Comment (2025-04-29): Waived with compensating factors at clients request.<br>Buyer Comment (2025-04-25): Please waive all related conditions for the non-borrowing grantor "XXXX" due to the following compensating factors:<br> Borrowers mid fico score is 40+ points higher than the minimum required for this program/product.<br> Borrowers dscr score is over 1.00%. Borrower has excellent ltv under max for this program/product of 49%. Borrower is an experienced landlord/property manager. Thank you. |  |  | 04/29/2025 | 2 C B | XX | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XX | 223651173 | XX | XX |  | 33785234 | 12025030209-23698 | 04/18/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: XX | Fraud report was not provided. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Combined Loan to Value: 48.78049%<br> Guideline Maximum Combined Loan to Value: 70.00000%<br>Loan to Value: 48.78049%<br> Guideline Maximum Loan to Value: 70.00000% | XXXX<br>XXXX | Reviewer Comment (2025-04-29): Waived with compensating factors at clients request.<br>Buyer Comment (2025-04-25): Please waive all related conditions for the non-borrowing grantor "XXXX" due to the following compensating factors:<br> Borrowers mid fico score is 40+ points higher than the minimum required for this program/product.<br> Borrowers dscr score is over 1.00%. Borrower has excellent ltv under max for this program/product of 49%. Borrower is an experienced landlord/property manager. Thank you.<br>Reviewer Comment (2025-04-24): XXXX is not included on the original Fraud report.<br>Buyer Comment (2025-04-22): Attached find the Fraud Report - this was provided in the original upload of this file. Please clear. |  |  | 04/29/2025 | 2 C B | XX | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XX | 223651173 | XX | XX |  | 33785235 | 12025030209-3831 | 04/18/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Credit report was not provided for co-borrower XX. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Combined Loan to Value: 48.78049%<br> Guideline Maximum Combined Loan to Value: 70.00000%<br>Loan to Value: 48.78049%<br> Guideline Maximum Loan to Value: 70.00000% | XXXX<br>XXXX | Reviewer Comment (2025-04-29): Waived with compensating factors at clients request.<br>Buyer Comment (2025-04-25): Please waive all related conditions for the non-borrowing grantor "XXXX" due to the following compensating factors:<br> Borrowers mid fico score is 40+ points higher than the minimum required for this program/product.<br> Borrowers dscr score is over 1.00%. Borrower has excellent ltv under max for this program/product of 49%. Borrower is an experienced landlord/property manager. Thank you. |  |  | 04/29/2025 | 2 C B | XX | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XX | 223953440 | XX | XX |  | 34271101 | 20250505003-23698 | 05/28/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: XX Credit Report: Original // Borrower: XX |  |  |  |  | Reviewer Comment (2025-05-28): After further review, exception cleared.<br>Buyer Comment (2025-05-28): There are 2 Fraud Guard reports in underwriting category of the TPR package. | 05/28/2025 |  |  | 1 C A | XX | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| XX | 223953440 | XX | XX |  | 34271103 | 20250505003-6572 | 05/28/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/18/2025) |  |  |  |  | Reviewer Comment (2025-05-28): After further review, exception cleared.<br>Buyer Comment (2025-05-28): The proof of appraisal delivery shows the date and time stamp that the appraisal proof of delivery 5/7/2025 @ 11:18 am | 05/28/2025 |  |  | 1 B A | XX | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| XX | 223953440 | XX | XX |  | 34271105 | 20250505003-25035 | 05/28/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 71.63906% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Lender omitted some REO debt from DTI calculation, UTD reason for omission. Please provide details of REO debts not accounted for. |  |  |  | Reviewer Comment (2025-06-10): Leases provided and cleared.<br>Buyer Comment (2025-06-10): I have uploaded both leases here. This should work. Using 75% of the gross rents to offset the payments, the total net REO losses are $1107/mo plus the other consumer debt ($1200) and the PITIA for the subject ($9950.01) is a total debt load of $12,257. The qualifying income is $24,579 which puts the DTI at 49.86%. Hopefully this works!<br>Reviewer Comment (2025-06-02): LOEs provided for free and clear props already in file and accounted for. The other 2 properties, both listed on the 1003, XXXX ($3124/mo PITI) and XXXX ($2825.54/mo PITI) have mortgages and lender appears to not be carrying losses for either. No leases/tax returns in file to offset costs of these two properties, resulting in DTI waterfalls.<br>Buyer Comment (2025-06-02): Thanks for the information. We noticed there are two LOEs in the loan file explaining why two properties did not have mortgage debt accounted for, but we didn't see any specific addresses mentioned. Could you please confirm the property addresses so we can proceed accordingly? | 06/10/2025 |  |  | 1 C A | XX | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| XX | 223953440 | XX | XX |  | 34271107 | 20250505003-3677 | 05/28/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Lender omitted some REO debt from DTI calculation, UTD reason for omission. Please provide details of REO debts not accounted for. |  |  |  | Reviewer Comment (2025-05-28): After further review, exception cleared. | 05/28/2025 |  |  | 1 B A C | XX | CA | Primary | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | No |
| XX | 223953440 | XX | XX |  | 34271108 | 20250505003-4204 | 05/28/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Lender omitted some REO debt from DTI calculation, UTD reason for omission. Please provide details of REO debts not accounted for. |  |  |  | Reviewer Comment (2025-05-28): After further review, exception cleared. | 05/28/2025 |  |  | 1 A | XX | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| XX | 223953440 | XX | XX |  | 34271109 | 20250505003-3313 | 05/28/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (XX./Wages) | Missing B2 VOE for 2nd job. |  |  |  | Reviewer Comment (2025-05-28): After further review, exception cleared.<br>Buyer Comment (2025-05-28): There is verbal verification of employment for both borrowers in the closing category. There is also written VOE in income category of the TPR package. | 05/28/2025 |  |  | 1 C A | XX | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| XX | 223953440 | XX | XX |  | 34271110 | 20250505003-5366 | 05/28/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 71.63906% exceeds Guideline total debt ratio of 50.00000%. | Lender omitted some REO debt from DTI calculation, UTD reason for omission. Please provide details of REO debts not accounted for. |  |  |  | Reviewer Comment (2025-06-10): Leases provide and cleared.<br>Buyer Comment (2025-06-10): I have uploaded both leases here. This should work. Using 75% of the gross rents to offset the payments, the total net REO losses are $1107/mo plus the other consumer debt ($1200) and the PITIA for the subject ($9950.01) is a total debt load of $12,257. The qualifying income is $24,579 which puts the DTI at 49.86%. Hopefully this works!<br>Reviewer Comment (2025-06-02): LOEs provided for free and clear props already in file and accounted for. The other 2 properties, both listed on the 1003, XXXX ($3124/mo PITI) and XXXX ($2825.54/mo PITI) have mortgages and lender appears to not be carrying losses for either. No leases/tax returns in file to offset costs of these two properties, resulting in DTI waterfalls.<br>Buyer Comment (2025-06-02): Thanks for the information. We noticed there are two LOEs in the loan file explaining why two properties did not have mortgage debt accounted for, but we didn't see any specific addresses mentioned. Could you please confirm the property addresses so we can proceed accordingly? | 06/10/2025 |  |  | 1 C A | XX | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| XX | 223953440 | XX | XX |  | 34271111 | 20250505003-29644 | 05/28/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | Borrower: XX // Employment Type: Employment / Income Type: Wages / Start Date: 11/XX/2022 | Missing VOE for B2 2nd job. |  |  |  | Reviewer Comment (2025-05-28): After further review, exception cleared.<br>Buyer Comment (2025-05-28): There is verbal verification of employment for both borrowers in the closing category. There is also written VOE in income category of the TPR package. | 05/28/2025 |  |  | 1 C A | XX | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| XX | 223953440 | XX | XX |  | 34271112 | 20250505003-5695 | 05/28/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Lender omitted some REO debt from DTI calculation, UTD reason for omission. Please provide details of REO debts not accounted for. |  |  |  | Reviewer Comment (2025-06-10): Leases provided and cleared.<br>Buyer Comment (2025-06-10): I have uploaded both leases here. This should work. Using 75% of the gross rents to offset the payments, the total net REO losses are $1107/mo plus the other consumer debt ($1200) and the PITIA for the subject ($9950.01) is a total debt load of $12,257. The qualifying income is $24,579 which puts the DTI at 49.86%. Hopefully this works!<br>Reviewer Comment (2025-06-02): LOEs provided for free and clear props already in file and accounted for. The other 2 properties, both listed on the 1003, XXXX ($3124/mo PITI) and XXXX ($2825.54/mo PITI) have mortgages and lender appears to not be carrying losses for either. No leases/tax returns in file to offset costs of these two properties, resulting in DTI waterfalls.<br>Buyer Comment (2025-06-02): Thanks for the information. We noticed there are two LOEs in the loan file explaining why two properties did not have mortgage debt accounted for, but we didn't see any specific addresses mentioned. Could you please confirm the property addresses so we can proceed accordingly? | 06/10/2025 |  |  | 1 C A | XX | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| XX | 223953440 | XX | XX |  | 34271113 | 20250505003-25029 | 05/28/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to DTI failure. |  |  |  | Reviewer Comment (2025-06-10): Leases provided and cleared.<br>Buyer Comment (2025-06-10): I have uploaded both leases here. This should work. Using 75% of the gross rents to offset the payments, the total net REO losses are $1107/mo plus the other consumer debt ($1200) and the PITIA for the subject ($9950.01) is a total debt load of $12,257. The qualifying income is $24,579 which puts the DTI at 49.86%. Hopefully this works! | 06/10/2025 |  |  | 1 A | XX | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | No |
| XX | 224065193 | XX | XX |  | 34448787 | 4000052074-6582 | 11/25/2024 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,320.00 exceeds tolerance of $500.00 plus 10% or $550.00. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (2024-11-25): Sufficient Cure Provided At Closing |  | 11/25/2024 |  | 1 A | XX | NY | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| XX | 224065195 | XX | XX |  | 34448792 | 4000057404-855 | 12/10/2024 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: 10/XX/2024&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br> Disaster End Date: 11/XX/XX<br> Disaster Name: HURRICANE XX<br> Disaster Declaration Date: 10/XX/2024 |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: XX/XX/XXXX | XXXX | Reviewer Comment (2024-12-10): Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: XX/XX/XXXX |  |  | 12/10/2024 | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XX | 224065196 | XX | XX |  | 34448794 | 6000065457-32065 | 03/26/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Title policy amount is not provided on the title preliminary document. |  |  |  | Reviewer Comment (2025-03-26): Accepted as is. |  |  | 03/26/2025 | 2 B | XX | CA | Investment | Refinance - Rate/Term | C B A | Non QM | N/A | No |
| XX | 224065196 | XX | XX |  | 34448795 | 6000065457-855 | 03/26/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: 08/XX/2021&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br> Disaster End Date: 01/XX/2023<br> Disaster Name: SEVERE WINTER STORMS, FLOODING, LANDSLIDES, AND MUDSLIDES<br> Disaster Declaration Date: 01/XX/2023 |  |  |  |  | Reviewer Comment (2025-03-27): Received, Clearing. | 03/27/2025 |  |  | 1 C A | XX | CA | Investment | Refinance - Rate/Term | C B A | Non QM | N/A | No |
| XX | 224065196 | XX | XX |  | 34448796 | 6000065457-23688 | 03/26/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard coverage of $XX is insufficient to cover the mortgage amount of $XXand the appraiser did not provide an estimated cost to rebuild. Please provide a letter from the Insurer stating the maximum insurable amount and/or a replacement costs estimator from the insurer. Coverage shortfall based on 80% of the appraised value is $XX | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. |  | XXXX<br>XXXX<br>XXXX<br>XXXX<br>XXXX<br>XXXX<br>XXXX | Reviewer Comment (2025-03-31): Client elects to waive based on the current UPB of $XX.<br>Reviewer Comment (2025-03-27): The coverage listed in the guidelines follows FNMA, which is what we use and what shows the coverage is short. We would need an RCE as even the new policy shows as $88,000 short.<br>Buyer Comment (2025-03-27): I've also attached the most recent hazard insurance policy if that is helpful.<br>Buyer Comment (2025-03-27): For a first mortgage secured by a property on which an individually held insurance policy is maintained, xx requires<br> coverage equal to the lesser of the following:<br> This document is confidential, proprietary and its subject matter is the sole property of XX. and is intended for its use only. Any<br> unauthorized use, dissemination, or distribution of this document or its subject matter is strictly prohibited. Terms and conditions of programs and<br> guidelines are subject to change at any time without notice. This is not a commitment to lend. XX is an Equal Housing Lender.<br> XX. XX and the XX logo are registered trademarks of XX<br> Inc. All other trademarks are the property of their respective owners. All rights reserved. XX<br> Hazard and Flood Insurance Policy XX rev. 17 Page 5 of 22 6/XX/2021 XX<br> · 100% of the insurable value of the improvements, as established by the property insurer. OR<br> · The unpaid principal balance of the mortgage, as long as it equals at least 80% of the insurable value of the<br> improvements.<br> For a second mortgage, the policy must provide coverage equal to the lesser of 100% of the insurable value of the<br> property improvements or the combined unpaid principal balance of the first and second mortgages (as long as that<br> equals at least 80% of the insurable value of the improvements).<br>Buyer Comment (2025-03-27): Attached is the hazard insurance policy from xx at the time of origination. Section 2.4 discusses coverage amount. |  |  | 03/31/2025 | 2 C B | XX | CA | Investment | Refinance - Rate/Term | C B A | Non QM | N/A | No |
| XX | 224065196 | XX | XX |  | 34448797 | 6000065457-30786 | 03/26/2025 | Property | Valuation | General | Valuation | Valuation Product pending |  | XX/ Post Disaster Inspection + XX - 2 Days |  |  |  | Reviewer Comment (2025-03-27): Received, Clearing.<br>Reviewer Comment (2025-03-27): Valuation Received - 03/27/2025 | 03/27/2025 |  |  | 1 A | XX | CA | Investment | Refinance - Rate/Term | C B A | Non QM | N/A | No |
| XX | 224065197 | XX | XX |  | 34448798 | 6000065464-32065 | 03/26/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy is within CA and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-03-26): Accepted as is. |  |  | 03/26/2025 | 2 B | XX | CA | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| XX | 224065197 | XX | XX |  | 34448800 | 6000065464-855 | 03/26/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: 03/XX/2021&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br> Disaster End Date: 01/XX/2025<br> Disaster Name: WILDFIRES AND STRAIGHT-LINE WINDS<br> Disaster Declaration Date: 01/XX/2025 | The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  | Reviewer Comment (2025-03-31): Received, Clearing. | 03/31/2025 |  |  | 1 C A | XX | CA | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| XX | 224065197 | XX | XX |  | 34448801 | 6000065464-30786 | 03/26/2025 | Property | Valuation | General | Valuation | Valuation Product pending |  | XX / Post Disaster Inspection + XX - 2 Days |  |  |  | Reviewer Comment (2025-03-31): Received, Clearing.<br>Reviewer Comment (2025-03-29): Valuation Received - 03/29/2025 | 03/31/2025 |  |  | 1 A | XX | CA | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| XX | 224065197 | XX | XX |  | 34448802 | 6000065464-4436 | 03/26/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Secondary/XX/26/2021) | The valuation was not provided to the borrower within 3 days of consummation. |  |  |  | Reviewer Comment (2025-03-26): Accepted as is. |  |  | 03/26/2025 | 2 B | XX | CA | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| XX | 224065198 | XX | XX |  | 34448803 | 241024331-855 | 11/07/2024 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: 10/XX/2024&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br> Disaster End Date: 10/XX/2024<br> Disaster Name: HURRICANE XX<br> Disaster Declaration Date: 09/XX/2024 |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: XX/XX/XXXX | XXXX | Reviewer Comment (2024-11-11): Client elects to waive with inspection prior to disaster end date.<br>Buyer Comment (2024-11-07): Appraisal inspection date of XX/XX/XXXX is after the event date. Waiver with EV2 should apply. |  |  | 11/11/2024 | 2 C B | XX | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| XX | 224065198 | XX | XX |  | 34448804 | 241024331-4436 | 11/07/2024 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XX/24/2024) | No evidence in file showing borrower received copy of appraisal. |  |  |  | Reviewer Comment (2024-11-11): Proof of delivery provided exception cleared.<br>Buyer Comment (2024-11-07): Proof of Delivery was included in the initial shipping package and is located in your portal under doc ID D0383. | 11/11/2024 |  |  | 1 B A | XX | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| XX | 224065198 | XX | XX |  | 34448805 | 241024331-4436 | 11/07/2024 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Secondary/XX/25/2024) | No evidence in file showing borrower received copy of appraisal. |  |  |  | Reviewer Comment (2024-11-11): Proof of delivery provided exception cleared.<br>Buyer Comment (2024-11-07): Proof of Delivery for the initial appraisal and the desk review was included in the initial shipping package and is located in your portal under doc ID D0383. | 11/11/2024 |  |  | 1 B A | XX | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| XX | 224065198 | XX | XX |  | 34448808 | 241024331-3357 | 11/07/2024 | Compliance | Compliance | State Compliance | State Defect | Georgia Home Loan (Fee Charged for Payoff Statement) | Georgia Home Loan: Impermissible fee charged for payoff statement. | Payoff statement fee not permitted in the state of XX. |  |  |  | Reviewer Comment (2024-11-12): Payoff Handling Fee for seller side of the transaction imposed by the Settlement Agent. Exception cleared.<br>Buyer Comment (2024-11-07): Subject transaction is a purchase and is not held to restrictions of a payoff. | 11/12/2024 |  |  | 1 C A | XX | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| XX | 224065198 | XX | XX |  | 34448810 | 241024331-6542 | 11/07/2024 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $25.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77163) | Title - Abstract / Title Search fee of $25.00 not disclosed until final CD. No valid change in circumstance or cure for borrower provided. |  |  |  | Reviewer Comment (2025-01-06): XXXX received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Buyer Comment (2025-01-06): Submitted full PC check image for review.<br>Reviewer Comment (2025-01-06): XXXX Received Corrected PCCD, LOE, Refund Check and Proof of Mailing; however, copy of check is cut off from bottom. Provide Complete copy of check.<br>Buyer Comment (2025-01-03): PCCD Cure documentation uploaded for review. |  | 01/06/2025 |  | 2 C B | XX | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XX | 224065201 | XX | XX |  | 34448819 | 12024090792-18604 | 11/04/2024 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure 10/XX/2024 on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Final/XX/28/2024) | Seller's Final Closing Disclosure is missing. |  |  |  | Reviewer Comment (2024-11-08): XXXX received Seller CD<br>Buyer Comment (2024-11-07): Please see the final seller closing disclosure<br>Buyer Comment (2024-11-07): Please see the final settlement statement, reflecting seller fees | 11/08/2024 |  |  | 1 C A | XX | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Exempt from ATR | Exempt from ATR | No |
| XX | 224065201 | XX | XX |  | 34448820 | 12024090792-3831 | 11/04/2024 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved lender exception in file approving the loan with borrower living rent free with someone other than her spouse. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Guidelines Representative FICO: 700<br> Representative FICO: 778<br>DTI: 31.17719% <br> Guideline Maximum DTI: 45.00000% | Originator Pre-Close,XXXX<br>Originator Pre-Close,XXXX | Reviewer Comment (2024-11-04): Waived with compensating factors per lender exception approval at origination. |  |  | 11/04/2024 | 2 B | XX | CA | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| XX | 224065201 | XX | XX |  | 34448821 | 12024090792-17817 | 11/04/2024 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Initial - Lender's is incomplete |  | Initial 1003 provided in file is not signed by any party. |  |  |  | Reviewer Comment (2024-11-11): Provided.<br>Buyer Comment (2024-11-07): Please see the attached signed initial 1003 | 11/11/2024 |  |  | 1 B A | XX | CA | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| XX | 224065201 | XX | XX |  | 34448822 | 12024090792-6542 | 11/04/2024 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75103) | Zero percent fee tolerance exceeded. The CoC provided does not list a valid reason for fee increase, only that fee was added. |  |  |  | Reviewer Comment (2024-11-11): XXXX Received Corrected PCCD, LOE, Refund Check and Proof of Mailing.<br>Buyer Comment (2024-11-08): Please see the attached check copy and tracking slip<br>Buyer Comment (2024-11-08): Please see the attached PCCD LOA<br>Buyer Comment (2024-11-08): Please see the attached PCCD |  | 11/11/2024 |  | 2 C B | XX | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Exempt from ATR | Exempt from ATR | No |
| XX | 224065201 | XX | XX |  | 34448823 | 12024090792-17648 | 11/08/2024 | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD | TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/XX/28/2024) | Seller CD reflects seller paid fees not disclosed on borrower CD |  |  |  | Reviewer Comment (2024-11-08): XXXX received Seller CD | 11/08/2024 |  |  | 1 A | XX | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Exempt from ATR | Exempt from ATR | No |
| XX | 224065209 | XX | XX |  | 34448858 | 250226966-2922 | 03/25/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | 1004/1073 Appraisal document is missing. |  |  |  | Reviewer Comment (2025-03-26): Appraisal received & data captured. Exception cleared.<br>Buyer Comment (2025-03-25): Submitted 1004 appraisal for review. | 03/26/2025 |  |  | 1 D A | XX | FL | Investment | Purchase | D A | N/A | N/A | No |
| XX | 224065209 | XX | XX |  | 34448859 | 250226966-25838 | 03/25/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XX Form 1007 or 1025, with Market Rents | Missing comparable rent schedule for subject rental calculations. |  |  |  | Reviewer Comment (2025-03-26): Appraisal received rent schedule associated. Exception cleared.<br>Buyer Comment (2025-03-25): Submitted 1004 appraisal for review. | 03/26/2025 |  |  | 1 C A | XX | FL | Investment | Purchase | D A | N/A | N/A | No |
| XX | 224065209 | XX | XX |  | 34448861 | 250226966-27834 | 03/25/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | Note Date: 03/XX/2025; Lien Position: 1 |  |  |  |  | Reviewer Comment (2025-03-26): Appraisal received & data captured. Exception cleared.<br>Buyer Comment (2025-03-25): Submitted 1004 appraisal for review. | 03/26/2025 |  |  | 1 D A | XX | FL | Investment | Purchase | D A | N/A | N/A | No |
| XX | 224065209 | XX | XX |  | 34448862 | 250226966-4922 | 03/25/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: XX BUILDING COLLAPSE<br> Disaster Declaration Date: 06/XX/2021<br> Disaster End Date: 07/XX/2021 |  |  |  |  | Reviewer Comment (2025-03-26): Appraisal received & data captured. Exception cleared.<br>Buyer Comment (2025-03-25): Submitted 1004 appraisal for review. | 03/26/2025 |  |  | 1 C A | XX | FL | Investment | Purchase | D A | N/A | N/A | No |
| XX | 224065209 | XX | XX |  | 34448863 | 250226966-5366 | 03/25/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 68.33920% exceeds Guideline total debt ratio of 50.00000%. | Non REO liabilities are excluded as per approval and 1008 document, however there is no supporting documentation provided. meaning all liabilities were included in DTI. |  |  |  | Reviewer Comment (2025-03-27): business asset documentation supporting omission of XX pmt $1,292, XX Auto pmt $2,039, XX $2,096 pmt, and XX revolving paid through XX received and updated. Exception cleared<br>Buyer Comment (2025-03-27): Submitted business asset documentation supporting omission of XX pmt $1,292, XX Auto pmt $2,039, XX$2,096 pmt, and XX revolving paid through XX | 03/27/2025 |  |  | 1 C A | XX | FL | Investment | Purchase | D A | N/A | N/A | No |
| XX | 224065209 | XX | XX |  | 34448864 | 250226966-6572 | 03/26/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/06/2025) | Appraisal delivery receipt is missing in file. |  |  |  | Reviewer Comment (2025-03-28): Received proof/receipt which confirms copy of appraisal report e-mail to borrower from 3 business days prior to closing date, information validated. Exception cleared.<br>Buyer Comment (2025-03-27): Proof of delivery was included in the initial shipping package and is located in your portal under doc ID D0243. | 03/28/2025 |  |  | 1 A | XX | FL | Investment | Purchase | D A | N/A | N/A | No |
| XX | 224065210 | XX | XX |  | 34448868 | 250226935-31591 | 03/25/2025 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | Valuation Type: Appraisal / Valuation Report Date: 02/XX/2025 |  |  |  |  | Reviewer Comment (2025-03-27): Exception cleared - As per the HOA questionnaire provided Doc ID D0251 the project is 100% complete, there are no critical repairs and the HOA was turned over in the beginning of February 2025 Doc ID XX page 3.<br>Buyer Comment (2025-03-25): Per guidelines section 13.4.4 Warrantable Condo "Condo projects must be 100% complete and HOA turned over. No Ineligible Projects characteristics as defined by Fannie Mae, including projects in need of critical repair". Per the questionnaire provided Doc ID XX the project is 100% complete, there are no critical repairs and the HOA was turned over in the beginning of February 2025 Doc ID XX page 3. | 03/27/2025 |  |  | 1 C A | XX | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| XX | 224065211 | XX | XX |  | 34448869 | 250327361-25838 | 03/27/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XX Statement | Mortgage statement is missing for the property: XX to confirm monthly mortgage payment. |  |  |  | Reviewer Comment (2025-03-27): The purchase transaction of this property with XXXX did not close at the time of this loan closing. <br>The REO documentation supporting the PITIA used for XXXX was provided in the initial shipping package<br> • Property Report for taxes Doc ID D0370, <br> • Conditional Approval Doc ID D0344 page 3, <br> • Amortization Calculator Doc ID 0345, <br> • Insurance Documentation Doc ID's D0346 & D0352.<br>Reviewer Comment (2025-03-27): Mortgage statement is required to verify the monthly payment of $7,381.59, exception remains.<br>Buyer Comment (2025-03-27): The REO documentation for XXXX was provided in the initial shipping package as follows: Property Report for taxes Doc ID D0370, Conditional Approval Doc ID D0344 page 3, Amortization Calculator Doc ID 0345, Insurance Documentation Doc ID's D0346 & D0352. | 03/27/2025 |  |  | 1 C A | XX | CA | Investment | Purchase | C A | N/A | N/A | No |
| XX | 224065215 | XX | XX |  | 34448877 | 250226926-6583 | 04/03/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $120.00 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  |  |  | Reviewer Comment (2025-04-02): Sufficient Cure Provided At Closing |  | 04/02/2025 |  | 1 A | XX | GA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| XX | 224065231 | XX | XX |  | 34448950 | 12024090118-28580 | XX/XX/XXXX 2:47:05 PM | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided |  | Cash-Out Utilization is missing. |  |  |  | Reviewer Comment (2024-10-30): Provided.<br>Buyer Comment (2024-10-29): Business Purpose states "The purpose for this loan is to take cash out of the property and reinvest in other residential income producing <br> properties."<br>Buyer Comment (2024-10-29): Certificate of business purpose | 10/30/2024 |  |  | 1 C A | XX | CT | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XX | 224065231 | XX | XX |  | 34448951 | 12024090118-5347 | XX/XX/XXXX 2:47:05 PM | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | All sections of the Non-Owner Occupancy Certificate is required to be completed. Copy in file does not provide an address for the primary residence. |  |  |  | Reviewer Comment (2024-10-30): Provided.<br>Buyer Comment (2024-10-28): Please see the attached Non-Owner Occupancy Certificate | 10/30/2024 |  |  | 1 C A | XX | CT | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XX | 224065232 | XX | XX |  | 34448952 | 12024110018-3831 | 12/13/2024 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception was requested and approved to allow cash payment for one month, April 2024, to private Landlord. n Compensating factors include FICO 40+ points over minimum matrix tier, LTV is 10% or less than maximum allowed, and reserves for 35.46 months. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Combined Loan to Value: 65.00000%<br> Guideline Maximum Combined Loan to Value: 75.00000%<br>Loan to Value: 65.00000%<br> Guideline Maximum Loan to Value: 75.00000%<br>Reserves: 42.92<br> Guideline Requirement: 2.00<br>Guidelines Representative FICO: 640<br> Representative FICO: 798 | XXXX<br>XXXX<br>XXXX<br>XXXX | Reviewer Comment (2024-12-12): Lender exception was requested and approved to allow cash payment for one month, April 2024, to private Landlord. n Compensating factors include FICO 40+ points over minimum matrix tier, LTV is 10% or less than maximum allowed, and reserves for 35.46 months. |  |  | 12/12/2024 | 2 B | XX | CT | Investment | Purchase | B A |  | N/A | No |
| XX | 224065237 | XX | XX |  | 34448960 | 250226703-2919 | 03/13/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing Verification of Rent 12 months. |  |  |  | Reviewer Comment (2025-03-18): Loan was approved with Incomplete housing policy being applied as permitted per section 5.3 of guidelines. Comp factor were provided on 1008.<br>Buyer Comment (2025-03-13): Using section 5.3 of guidelines, Incomplete housing history policy was applied and compensating factor were noted on the 1008 under doc ID D0239. | 03/18/2025 |  |  | 1 C A D | XX | PA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XX | 224065241 | XX | XX |  | 34448965 | 1052924575-23931 | 03/18/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  |  |  | Reviewer Comment (2025-03-21): Verification of Rent received in the file. Exception Cleared. | 03/21/2025 |  |  | 1 A | XX | NY | Investment | Purchase | C A |  | N/A | No |
| XX | 224065241 | XX | XX |  | 34448966 | 1052924575-3831 | 03/18/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Document housing history via 12 months proof of payment via credit report, cancelled checks, bank debits or institutional VOR/VOM not provided. |  |  |  | Reviewer Comment (2025-03-21): Verification of Rent received in the file. Exception Cleared.<br>Seller Comment (2025-03-19): see attached<br> XXXX VOR.pdf (Unclassified) was uploaded | 03/21/2025 |  |  | 1 C A | XX | NY | Investment | Purchase | C A |  | N/A | No |
| XX | 224081992 | XX | XX |  | 34473498 | 12025040644-2827 | 05/14/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | File is missing warranty deed transferring ownership to business entities. |  |  |  | Reviewer Comment (2025-05-19): clear<br>Buyer Comment (2025-05-15): deed | 05/19/2025 |  |  | 1 D A | XX | TN | Investment | Purchase | D B A |  | N/A | No |
| XX | 224081992 | XX | XX |  | 34473499 | 12025040644-4062 | 05/14/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | File is missing signed Corporate Resolution for both business entities. |  |  |  | Reviewer Comment (2025-05-19): clear<br>Buyer Comment (2025-05-15): corp resolution | 05/19/2025 |  |  | 1 C A | XX | TN | Investment | Purchase | D B A |  | N/A | No |
| XX | 224081992 | XX | XX |  | 34473500 | 12025040644-3831 | 05/14/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception granted at origination to allow use of 20 months' rental income provided by seller to support rental income of $8,000 per month, as reflected on 1007, with no 20% expense factor deduction | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 12.00<br> Guideline Requirement: 2.00<br>Guidelines Representative FICO: 700<br> Representative FICO: 775 | XXXX<br>XXXX | Reviewer Comment (2025-05-14): Waived with compensating factors per lender exception approval at origination. |  |  | 05/14/2025 | 2 B | XX | TN | Investment | Purchase | D B A |  | N/A | No |
| XX | 224081998 | XX | XX |  | 34473512 | 12025040817-4061 | 05/27/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  | Section 4A of the Certification of Non-Owner Occupancy was not completed. |  |  |  | Reviewer Comment (2025-06-12): clear<br>Buyer Comment (2025-06-10): See form attached with Borrowers primary address. Thank you. | 06/12/2025 |  |  | 1 C A | XX | FL | Investment | Purchase | C A |  | N/A | No |
| XX | 224082000 | XX | XX |  | 34473517 | 12025040452-3831 | 05/28/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for Borrower living rent free with someone other than a spouse. | The qualifying DSCR on the loan is greater than the guideline minimum. | DSCR over 1.15 | XXXX,Originator | Reviewer Comment (2025-05-28): Lender granted exception approval with compensating factors in loan file. |  |  | 05/28/2025 | 2 B | XX | CA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| XX | 224082000 | XX | XX |  | 34473519 | 12025040452-4747 | 05/28/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | The file is missing the final HUD-1. Copy in file is an estimate. |  |  |  | Reviewer Comment (2025-06-16): clear<br>Buyer Comment (2025-06-12): Final SS attached | 06/16/2025 |  |  | 1 D A | XX | CA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| XX | 224082001 | XX | XX |  | 34473521 | 12025050078-4747 | 05/28/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | The file is missing the final executed HUD/Closing Statement. |  |  |  | Reviewer Comment (2025-06-13): clear<br>Buyer Comment (2025-06-11): Please find attached final stamped HUD-1. | 06/13/2025 |  |  | 1 D A | XX | CA | Investment | Purchase | D A |  | N/A | No |
| XX | 224082004 | XX | XX |  | 34473527 | 12025040353-27835 | 05/29/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note Date: 05/XX/2025; Lien Position: 1 |  |  |  |  | Reviewer Comment (2025-06-09): Received<br>Buyer Comment (2025-06-06): CDA | 06/09/2025 |  |  | 1 D A | XX | TX | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| XX | 224082008 | XX | XX |  | 34473533 | 12025040376-5205 | 05/29/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | The file is missing the OFAC search for the borrowing business entity. |  |  |  | Reviewer Comment (2025-06-20): Received<br>Buyer Comment (2025-06-18): ofac search | 06/20/2025 |  |  | 1 C A | XX | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XX | 224082008 | XX | XX |  | 34473534 | 12025040376-4513 | 05/29/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2025-06-24): clear<br>Reviewer Comment (2025-06-20): Document uploaded is not the articles or organization. It is the printout from the state website showing entity is active. Please provide complete filed articles of organization for borrowing entity.<br>Buyer Comment (2025-06-18): XXXX | 06/24/2025 |  |  | 1 C A | XX | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XX | 224082010 | XX | XX |  | 34473537 | 12025042068-4513 | 05/29/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of Organization/Formation not provided |  |  |  | Reviewer Comment (2025-06-19): clear<br>Buyer Comment (2025-06-17): Articles uploaded. | 06/19/2025 |  |  | 1 C A | XX | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XX | 224082013 | XX | XX |  | 34473544 | 12025050038-27835 | 05/30/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note Date: 05/XX/2025; Lien Position: 1 | Secondary valuation is missing |  |  |  | Reviewer Comment (2025-06-06): clear<br>Buyer Comment (2025-06-04): CDA | 06/06/2025 |  |  | 1 D A | XX | NJ | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| XX | 224082013 | XX | XX |  | 34473546 | 12025050038-4245 | 05/30/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 80.00000% exceeds Guideline loan to value percentage of 75.00000%. | Approved with lender exception. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 700<br> Representative FICO: 744 | XXXX | Reviewer Comment (2025-05-30): Waived with compensating factors per lender exception approval at origination. |  |  | 05/30/2025 | 2 B | XX | NJ | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| XX | 224082018 | XX | XX |  | 34473555 | 12025050378-2839 | 06/05/2025 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | The gift letter provided is for $117,000; however, the donor only provided $70,712.49 to the closing agent. A corrected gift letter is required. |  |  |  | Reviewer Comment (2025-06-19): clear<br>Buyer Comment (2025-06-17): Please see attached Gift Letter | 06/19/2025 |  |  | 1 C A | XX | FL | Investment | Purchase | C B A |  | N/A | No |
| XX | 224082018 | XX | XX |  | 34473556 | 12025050378-4264 | 06/05/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 1.98 is less than Guideline PITIA months reserves of 2.00. | The required funds to close are $71,487.49 which includes the gift funds and POC items. The appraisal invoice shows the fee was paid by a third party; therefore, cannot be included in the verified assets. The verified assets are $75,443.35 which includes the gift funds verified to be provided and bank statement balance provided. Therefore, the remaining funds for reserves is $3,955.86. Two months of reserves is required which is $3,992.56. In addition, the credit report reflects one disputed account with a balance of $23,764. The guidelines require assets to cover the disputed account balance. Therefore, the total reserves required is $27,756.56. The loan is short $23,800.70 for reserves. | The representative FICO score exceeds the guideline minimum by at least 40 points. |  | XXXX | Reviewer Comment (2025-07-23): Waived with compensating factors per lender exception approval received in trailing docs.<br>Buyer Comment (2025-07-21): Please find exception attached. Thank you. |  |  | 07/23/2025 | 2 C B | XX | FL | Investment | Purchase | C B A |  | N/A | No |
| XX | 224082032 | XX | XX |  | 34473580 | 12025040630-28640 | 06/16/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | The borrower received a gift of $100,000 that was provided directly to the closing agent. The guidelines require documentation that the donor gave the closing agent the gift funds in the form of a certified check, a cashier's check, or other official check (e.g., wire confirmation). |  |  |  | Reviewer Comment (2025-07-23): Received evidence of wire directly to settlement agent and evidence the donor owns the business listed under the sending party.<br>Buyer Comment (2025-07-21): Please see email & documentation supporting where gift funds came from. Thank you.<br>Reviewer Comment (2025-07-14): The ordering/sending party on the wire receipt does not match the donor on the gift letter provided in the original file.<br>Buyer Comment (2025-07-10): Please see attached confirmation of gift wire. Thank you. | 07/23/2025 |  |  | 1 C A | XX | FL | Investment | Purchase | C A |  | N/A | No |
| XX | 224082038 | XX | XX |  | 34473592 | 12025051513-4245 | XX/XX/XXXX 6:46:58 PM | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 80.00000% exceeds Guideline loan to value percentage of 75.00000%. | The maximum LTV for a purchase transaction with a DSCR Ratio of less than 1 is 75%. The loan closed with an LTV of 80%. The Lender used a DSCR Ratio over 1 to qualify the loan; however, the Lender used the lease amount of $2,250 to qualify the loan, which is higher than the market rents of $1,600. The file does not contain the required 2 months of rent receipt to use the lease rents. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 29.29<br> Guideline Requirement: 2.00<br>Guidelines Representative FICO: 700<br> Representative FICO: 777 | XXXX<br>XXXX | Reviewer Comment (2025-07-24): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2025-07-22): Please find exception attached. Thank you.<br>Reviewer Comment (2025-07-16): The guidelines require 2 months of rent receipt to be verified in order to use higher lease amount.<br>Buyer Comment (2025-07-14): Lease & proof of current receipt NOT required per guidelines on a purchase. Thank you.<br>Buyer Comment (2025-07-14): As the purchase contract confirms the current tenant stays in subject & all leases and rent become payable to the Borrower. Hence the reason for using higher rents as this is what the tenant pays @ present. Also, due to fico over 740+ purchase dscr MAX ltv can go to 85%. Thank you. |  |  | 07/24/2025 | 2 C B | XX | CO | Investment | Purchase | C B A |  | N/A | No |
| XX | 224082038 | XX | XX |  | 34473593 | 12025051513-3831 | XX/XX/XXXX 6:46:58 PM | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The credit application and letter of explanation reflects the borrower lives rent free with someone other than a spouse. The guidelines require underwriter discretion to allow borrower living with someone other than an spouse. The file does not contain the underwriter discretion documentation. |  |  |  | Reviewer Comment (2025-07-16): Cleared with UW comment on 1008 and per lenders Credit Memo allowing rent free living with someone other than the spouse.<br>Buyer Comment (2025-07-14): See Underwriters final 1008 with rent free commentary. | 07/16/2025 |  |  | 1 C A | XX | CO | Investment | Purchase | C B A |  | N/A | No |
| XX | 224082042 | XX | XX |  | 34473605 | 12025050894-6459 | 06/18/2025 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: XX |  |  |  |  | Reviewer Comment (2025-07-17): Alerts summary with all red flags addressed received in trailing docs.<br>Buyer Comment (2025-07-15): Final fraud guard cleared. | 07/17/2025 |  |  | 1 C A | XX | ID | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XX | 224082042 | XX | XX |  | 34473606 | 12025050894-4513 | 06/18/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Provide actual Articles of Organization for the borrowing entity. |  |  |  | Reviewer Comment (2025-07-17): Received<br>Buyer Comment (2025-07-15): Articles of organization attached. Thank you. | 07/17/2025 |  |  | 1 C A | XX | ID | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XX | 224082044 | XX | XX |  | 34473608 | 12025042081-30725 | 06/18/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Income Statement (VRBO, Airbnb, etc.) not provided |  |  |  |  |  | Reviewer Comment (2025-07-02): Cleared with NAN document within appraisal.<br>Buyer Comment (2025-06-30): Pages 39-42 of the Appraisal is the Short Term Rent Analysis from the Appraiser | 07/02/2025 |  |  | 1 C A | XX | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XX | 224082044 | XX | XX |  | 34473609 | 12025042081-24197 | 06/18/2025 | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  |  |  |  |  | Reviewer Comment (2025-07-02): Cleared with NAN document within appraisal.<br>Buyer Comment (2025-06-30): Pages 39-42 of the Appraisal is the Short Term Rent Analysis from the Appraiser | 07/02/2025 |  |  | 1 C A | XX | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XX | 224082044 | XX | XX |  | 34473611 | 12025042081-4245 | 06/18/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 75.00000% exceeds Guideline loan to value percentage of 70.00000%. | Exception on tape. LTV exception of 75.00% on cash out refinance transaction which exceed maximum LTV at 70.00% per guideline. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: 115.51<br> Guideline Requirement: 6.00 | XXXX | Reviewer Comment (2025-06-18): Waived with compensating factors per lender exception approval at origination. |  |  | 06/18/2025 | 2 B | XX | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XX | 224082044 | XX | XX |  | 34473612 | 12025042081-3831 | 06/18/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence verifying listing on subject has been removed or closed. Additional requirement may apply. |  |  |  | Reviewer Comment (2025-07-07): clear<br>Buyer Comment (2025-07-02): listing removed<br>Reviewer Comment (2025-07-02): Nothing on the provided documents reflect a date of when the listing was removed. Provide evidence of the removal and the removal date.<br>Buyer Comment (2025-06-30): Removed from NMLS 4/XX/25 - Application date 4/XX/25.<br>Buyer Comment (2025-06-30): proof not listed | 07/07/2025 |  |  | 1 C A | XX | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XX | 224082047 | XX | XX |  | 34473617 | 12025050184-5205 | 06/19/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Provide OFAC for the borrowing entity. |  |  |  | Reviewer Comment (2025-06-25): OFAC received<br>Buyer Comment (2025-06-23): ofac search | 06/25/2025 |  |  | 1 C A | XX | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XX | 224082047 | XX | XX |  | 34473618 | 12025050184-29614 | 06/19/2025 | Credit | Guideline | Guideline Issue | Guideline | The Guarantor's Percent of Business Ownership does not meet guideline requirements. | Borrower:XX % of Business Ownership: 49.00% | Personal Guarantees are required from the authorized signor(s) who are borrowers on the loan along with any individual with 51% or greater ownership in the entity. |  |  |  | Reviewer Comment (2025-07-31): Cleared with updated Operating Agreement.<br>Buyer Comment (2025-07-29): amended operating agreement<br>Reviewer Comment (2025-06-25): Per the addendum to the Operating Agreement, our guarantor only owns 49% of the entity. There is an additional owner who owns 51% of the borrowing entity, and per guidelines, this individual is required to sign a guarantor agreement and provide all credit documentation.<br>Buyer Comment (2025-06-23): per guidelines: Personal Guarantees are required from the authorized signor(s) who are borrowers on the loan along with any individual with 51% or greater ownership in the entity. It does not require 51% ownership. | 07/31/2025 |  |  | 1 C A | XX | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XX | 224082047 | XX | XX |  | 34473619 | 12025050184-767 | 06/19/2025 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Judgments / Balance: 8402.00 |  | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Debt Service Coverage Ratio: 1.61<br> Guideline Requirement: 1.00 | Originator,XXXX | Reviewer Comment (2025-07-09): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2025-07-07): exception |  |  | 07/09/2025 | 2 B | XX | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XX | 224082057 | XX | XX |  | 34473639 | 12025060043-5205 | 06/24/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Required for borrowing entity. |  |  |  | Reviewer Comment (2025-07-18): OFAC received<br>Buyer Comment (2025-07-16): Please find clear OFAC report attached. Thank you. | 07/18/2025 |  |  | 1 C A | XX | CO | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XX | 224082064 | XX | XX |  | 34473653 | 12025051810-25749 | 06/26/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Provide a final HUD/Closing Statement that is signed by the borrower or stamped true and certified by settlement agent. Copy provided in file is an estimate. |  |  |  | Reviewer Comment (2025-07-02): clear<br>Buyer Comment (2025-07-01): Final | 07/02/2025 |  |  | 1 C A | XX | AZ | Investment | Purchase | C A |  | N/A | No |
| XX | 224082067 | XX | XX |  | 34473661 | 12025050756-5205 | 06/25/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Missing OFAC for the borrowing entity. |  |  |  | Reviewer Comment (2025-07-11): OFAC received<br>Buyer Comment (2025-07-09): 07/09-Please see attached OFAC search results | 07/11/2025 |  |  | 1 C A | XX | OK | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XX | 224082068 | XX | XX |  | 34473663 | 12025050594-767 | 06/26/2025 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Tax Liens / Balance: 462.00, Credit Report: Original // Public Record Type: Tax Liens / Balance: 434.00 | Fraud report disclosed an open Tax Lien under the borrower's name. Borrower provided an unsigned Affidavit of Non-Ownership of Judgments disputing the tax liens. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 193.87<br> Guideline Requirement: 2.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 795 | Originator,XXXX<br>XXXX<br>Originator,XXXX | Reviewer Comment (2025-07-23): Waived with compensating factors per lender exception approval received in trailing docs.<br>Buyer Comment (2025-07-23): Please find exception attached. Thank you. |  |  | 07/23/2025 | 2 B | XX | AZ | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| XX | 224082073 | XX | XX |  | 34473674 | 12025050472-4507 | 06/26/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing dated more than 90 days prior to the Note date. |  |  |  | Reviewer Comment (2025-07-02): clear<br>Buyer Comment (2025-07-01): D0280 is the Certificate of Good standing in North Carolina | 07/02/2025 |  |  | 1 C A | XX | NC | Investment | Purchase | C A |  | N/A | No |
| XX | 224082074 | XX | XX |  | 34473677 | 12025060058-5205 | 06/26/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Missing OFAC for the borrowing entity. |  |  |  | Reviewer Comment (2025-07-02): clear<br>Buyer Comment (2025-07-01): see attached fraud | 07/02/2025 |  |  | 1 C A | XX | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XX | 224082074 | XX | XX |  | 34473678 | 12025060058-6459 | 06/26/2025 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: XX, Credit Report: Original // Borrower: XX |  |  |  |  | Reviewer Comment (2025-07-02): clear<br>Buyer Comment (2025-07-01): Fraud | 07/02/2025 |  |  | 1 C A | XX | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XX | 224082084 | XX | XX |  | 34473696 | 12025040052-3831 | 07/01/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved at origination for borrower living rent free with parent since 4/2021. Compensating factors were cited as DSCR greater than 1.15%, FICO 40+ points over minimum matrix tier and LTV is 10% or more under max allowed. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Combined Loan to Value: 45.73913%<br> Guideline Maximum Combined Loan to Value: 70.00000%<br>Debt Service Coverage Ratio: 1.53<br> Guideline Requirement: 1.00<br>Loan to Value: 45.73913%<br> Guideline Maximum Loan to Value: 70.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: 709 | XXXX<br>Originator Pre-Close,XXXX<br>Originator Pre-Close,XXXX<br>Originator Pre-Close,XXXX<br>Originator Pre-Close,XXXX | Reviewer Comment (2025-07-01): Waived with compensating factors per lender exception approval at origination. |  |  | 07/01/2025 | 2 B | XX | NY | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XX | 224082090 | XX | XX |  | 34473708 | 32025061249-3831 | 06/26/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The credit application reflects the borrower previously lived rent free and is unmarried; therefore, borrower did not live with a spouse. The guidelines require underwriter discretion to allow borrower living with someone other than an spouse. The file does not contain the underwriter discretion documentation. |  |  |  | Reviewer Comment (2025-06-30): Received UW cert in trailing docs, outlining discretion used in approving loan.<br>Buyer Comment (2025-06-27): UW cert attached | 06/30/2025 |  |  | 1 C A | XX | AL | Investment | Purchase | C A |  | N/A | No |
| XX | 224082113 | XX | XX |  | 34473718 | 12025051303-30930 | 07/11/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of $XX is less than the note amount of $XXbased on the Commitment in file. | Only preliminary title reflects XX final title not provided. |  |  |  | Reviewer Comment (2025-07-16): clear<br>Buyer Comment (2025-07-15): Updated title reflecting the correct loan amount of $xxx. | 07/16/2025 |  |  | 1 B A | XX | NC | Investment | Purchase | C A |  | N/A | No |
| XX | 224082113 | XX | XX |  | 34473720 | 12025051303-2924 | 07/11/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report was not provided for borrower. |  |  |  | Reviewer Comment (2025-07-16): clear<br>Buyer Comment (2025-07-14): Please find final clear fraud attached. Thank you | 07/16/2025 |  |  | 1 C A | XX | NC | Investment | Purchase | C A |  | N/A | No |
| XX | 224082113 | XX | XX |  | 34473721 | 12025051303-23698 | 07/11/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: XX |  |  |  |  | Reviewer Comment (2025-07-16): clear<br>Buyer Comment (2025-07-14): Please find credit report attached. Thank you. | 07/16/2025 |  |  | 1 C A | XX | NC | Investment | Purchase | C A |  | N/A | No |
| XX | 224082113 | XX | XX |  | 34473722 | 12025051303-3831 | 07/16/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Fraud report did not provide OFAC. Provide OFAC for the borrowing entity. |  |  |  | Reviewer Comment (2025-07-22): OFAC received<br>Buyer Comment (2025-07-20): Please find clear ofac attached. Thank you. | 07/22/2025 |  |  | 1 A | XX | NC | Investment | Purchase | C A |  | N/A | No |
| XX | 224082114 | XX | XX |  | 34473723 | 12025051322-30930 | 07/11/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of $XX is less than the note amount of $XX based on the Commitment in file. |  |  |  |  | Reviewer Comment (2025-07-28): clear<br>Buyer Comment (2025-07-24): Please review D0281 Revision date is already mentioned as 5.30.2025<br>Reviewer Comment (2025-07-23): Commitment received is dated same day and time as commitment with insufficient coverage. Evidence this was a revision to the original commitment, or final title policy reflecting sufficient coverage, required for review.<br>Buyer Comment (2025-07-23): PFA Title policy | 07/28/2025 |  |  | 1 B A | XX | NC | Investment | Purchase | B A |  | N/A | No |
| XX | 224082124 | XX | XX |  | 34473748 | 12025060380-27835 | 07/08/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note Date: 06/XX/2025; Lien Position: 1 | . Secondary valuation is missing |  |  |  | Reviewer Comment (2025-07-21): UCDP received reflecting CU score of 1<br>Buyer Comment (2025-07-17): SSR | 07/21/2025 |  |  | 1 D A | XX | TX | Investment | Purchase | D A C |  | N/A | No |
| XX | 224082124 | XX | XX |  | 34473750 | 12025060380-27012 | 07/08/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.90 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Missing asset depletion worksheet, causing DSCR discrepancy. |  |  |  | Reviewer Comment (2025-07-14): Asset depletion worksheet received, reflecting assets used to calculate DSCR.<br>Buyer Comment (2025-07-10): DSCR Calc | 07/14/2025 |  |  | 1 C A | XX | TX | Investment | Purchase | D A C |  | N/A | No |
| XX | 224082124 | XX | XX |  | 34473751 | 12025060380-3831 | 07/08/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | When rent is paid to a private party, a copy of the lease and 12 months of cancelled checks (front and back) or bank statement are required for verification of timely payments. |  |  |  | Reviewer Comment (2025-07-21): Received VOR and evidence of 12 months' payments.<br>Buyer Comment (2025-07-17): VOR | 07/21/2025 |  |  | 1 C A | XX | TX | Investment | Purchase | D A C |  | N/A | No |
| XX | 224082124 | XX | XX |  | 34473752 | 12025060380-6459 | 07/08/2025 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: XX |  |  |  |  | Reviewer Comment (2025-07-14): Received alerts summary, reflecting all red flags cleared/addressed<br>Buyer Comment (2025-07-10): Fraud | 07/14/2025 |  |  | 1 C A | XX | TX | Investment | Purchase | D A C |  | N/A | No |
| XX | 224082133 | XX | XX |  | 34473768 | 12025050480-33586 | 07/10/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | Title commitment reflects a Federal Tax Lien of $XX for borrowers spouse and a judgement of $XX for the sellers with no evidence of satisfied or released prior to or at closing. |  |  |  | Reviewer Comment (2025-08-05): Cleared with final title.<br>Buyer Comment (2025-08-01): final | 08/05/2025 |  |  | 1 C A | XX | TX | Investment | Purchase | C A |  | N/A | No |
| XX | 224082139 | XX | XX |  | 34473778 | 12025051666-767 | 07/10/2025 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Judgments / Balance: 99038.00 | All judgments and liens must be paid in full prior to or at closing. |  |  |  | Reviewer Comment (2025-07-15): Item in question is a federal tax lien, on an approved payment plan. Installment plan details, proof not filed in county of subject property, and evidence of payments received in trailing documents, reflecting payment plan is current.<br>Reviewer Comment (2025-07-15): Guidelines do not indicate that a payment plan is acceptable. They state that all judgments and liens must be paid at or prior to closing. If lender is accepting payment plan, a request to waive can be made.<br>Buyer Comment (2025-07-14): IRS payment plan | 07/15/2025 |  |  | 1 B A | XX | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XX | 224082139 | XX | XX |  | 34473779 | 12025051666-23089 | 07/10/2025 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | Valuation Type: Appraisal / Valuation Report Date: 04/XX/2025 | Property is currently listed. |  |  |  | Reviewer Comment (2025-07-15): Received listing showing taken off market 5/13/2025, which is prior to application date, and requires no further documentation.<br>Buyer Comment (2025-07-11): withdrawn 05/13/25 | 07/15/2025 |  |  | 1 C A | XX | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XX | 224082140 | XX | XX |  | 34473781 | 12025051629-767 | 07/10/2025 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Tax Liens / Balance: 99038.00 | Public Record Type: Tax Liens unpaid Balance of $XX |  |  |  | Reviewer Comment (2025-07-17): Received approved IRS payment plan, with evidence of timely payments.<br>Buyer Comment (2025-07-15): IRS repayment plan | 07/17/2025 |  |  | 1 B A | XX | FL | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XX | 224082141 | XX | XX |  | 34473783 | 12025060243-3831 | 07/11/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide all required entity documents for the XX |  |  |  | Reviewer Comment (2025-07-16): clear<br>Buyer Comment (2025-07-14): cert of formation<br>Buyer Comment (2025-07-14): ein<br>Buyer Comment (2025-07-14): cogs<br>Buyer Comment (2025-07-14): Operating agreement | 07/16/2025 |  |  | 1 C A | XX | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XX | 224082148 | XX | XX |  | 34473798 | 32025051253-2827 | 07/11/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Transfer Deed for the subject property was not provided. |  |  |  | Reviewer Comment (2025-07-24): clear<br>Buyer Comment (2025-07-22): Transaction Warranty Deed | 07/24/2025 |  |  | 1 D A | XX | CT | Investment | Purchase | D A |  | N/A | No |
| XX | 224082152 | XX | XX |  | 34473807 | 12025051126-6459 | 07/14/2025 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: XX |  |  |  |  | Reviewer Comment (2025-07-18): Alerts summary received with all red flags addressed.<br>Buyer Comment (2025-07-16): Fraud | 07/18/2025 |  |  | 1 C A | XX | NC | Investment | Purchase | C A |  | N/A | No |
| XX | 224082155 | XX | XX |  | 34473815 | 12025051166-25749 | 07/15/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Final HUD/CD and closing statements are missing in file. |  |  |  | Reviewer Comment (2025-07-23): Received<br>Buyer Comment (2025-07-21): Final SS | 07/23/2025 |  |  | 1 C A | XX | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XX | 224082156 | XX | XX |  | 34473818 | 12025051143-32065 | 07/15/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-07-31): Cleared with supplement.<br>Buyer Comment (2025-07-29): Title updated reflecting loan amount. Thank you. | 07/31/2025 |  |  | 1 B A | XX | CA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| XX | 224082156 | XX | XX |  | 34473820 | 12025051143-4747 | 07/15/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Provide a final HUD/Closing Statement that is signed by the borrower or stamped true and certified by settlement agent. Copy provided in file is an estimate. |  |  |  | Reviewer Comment (2025-07-22): Received<br>Buyer Comment (2025-07-18): Final Settlement Statement attached | 07/22/2025 |  |  | 1 D A | XX | CA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| XX | 224082156 | XX | XX |  | 34473821 | 12025051143-4245 | 07/15/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 80.00000% exceeds Guideline loan to value percentage of 75.00000%. | Using the lower value from the Desk Review per guidelines. Desk Review value is more than 10% below the appraised value. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 700<br> Representative FICO: 742 | XXXX | Reviewer Comment (2025-07-31): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2025-07-29): Please find exception for LTV attached. Thank you. |  |  | 07/31/2025 | 2 C B | XX | CA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| XX | 224082164 | XX | XX |  | 34473840 | 12025052526-27835 | 07/16/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note Date: 06/XX/2025; Lien Position: 1 |  |  |  |  | Reviewer Comment (2025-07-31): Cleared with CDA.<br>Buyer Comment (2025-07-29): Please find attached CDA. Thank you. | 07/31/2025 |  |  | 1 D A | XX | TX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XX | 224082165 | XX | XX |  | 34473842 | 32025060311-5205 | 07/17/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | The file is missing the OFAC search for the borrowing business entity. |  |  |  | Reviewer Comment (2025-07-23): OFAC received<br>Buyer Comment (2025-07-21): Ofac attached | 07/23/2025 |  |  | 1 C A | XX | AZ | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| XX | 224082166 | XX | XX |  | 34473844 | 12025060922-31587 | 07/17/2025 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date 07/XX/2025; Disbursement Date: 06/XX/2025; Note Date: 06/XX/2025; Transaction Date: 06/XX/2025 | The Hazard Insurance Policy Effective Date is after note date. |  |  |  | Reviewer Comment (2025-07-22): HOI in effect at time of loan closing received and annual renewal premium collected on final closing statement for new policy.<br>Buyer Comment (2025-07-18): see previous policy-we have previous and renewal policy | 07/22/2025 |  |  | 1 C A | XX | HI | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XX | 224082166 | XX | XX |  | 34473845 | 12025060922-6459 | 07/17/2025 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: XX |  |  |  |  | Reviewer Comment (2025-07-24): clear<br>Buyer Comment (2025-07-22): Updated Fraud Report uploaded. | 07/24/2025 |  |  | 1 C A | XX | HI | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XX | 224082173 | XX | XX |  | 34473856 | 12025052483-4245 | 07/18/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 70.00000% exceeds Guideline loan to value percentage of 65.00000%. | Lender approved exception request for First Time Investor max 65% LTV allow 70% LTV. Comp Factors: 1) DSCR => 1.15. 2) Mortgage history on primary is 0x30 since 2016 per XX VOM. 3) Application reflects home ownership of primary residence in XX for 14 years. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Reserves: 56.18<br> Guideline Requirement: 12.00<br>Debt Service Coverage Ratio: 1.50<br> Guideline Requirement: 1.00 | XXXX<br>XXXX | Reviewer Comment (2025-07-18): Waived with compensating factors per lender exception approval at origination. |  |  | 07/18/2025 | 2 B | XX | FL | Investment | Purchase | B A |  | N/A | No |
| XX | 224082178 | XX | XX |  | 34473865 | 12025060902-3831 | 07/21/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower lives rent-free with someone other than spouse (brother). |  |  |  | Reviewer Comment (2025-07-30): Cleared with 1008 comment per clients credit memo.<br>Buyer Comment (2025-07-28): Please find undated 1008 with underwriter no rental loe required. Thank you. | 07/30/2025 |  |  | 1 C A | XX | TX | Investment | Purchase | C A |  | N/A | No |
| XX | 224082179 | XX | XX |  | 34473867 | 12025051563-3831 | 07/21/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The lender exception has been requested for borrower who lives rent-free with his daughter. The exception is approved with comps factor FICO 40+ points minimum required score for the LTV requested and Over 4 months additional reserves than required with a loan amount under $1 million. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 126.92<br> Guideline Requirement: 2.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 776 | XXXX<br>XXXX | Reviewer Comment (2025-07-21): Waived with compensating factors per lender exception approval at origination. |  |  | 07/21/2025 | 2 B | XX | FL | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XX | 224082180 | XX | XX |  | 34473869 | 12025061039-3831 | 07/21/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The file is missing the date on the Waiver of Borrower's Rights required to verify notary signature. |  |  |  | Reviewer Comment (2025-07-30): Cleared with Sec Inst.<br>Buyer Comment (2025-07-26): Please waive. | 07/30/2025 |  |  | 1 C A | XX | GA | Investment | Purchase | C A |  | N/A | No |
| XX | 224082182 | XX | XX |  | 34473873 | 12025060936-28636 | 07/21/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Provide evidence of ownership of XX |  |  |  | Reviewer Comment (2025-07-31): Cleared with O/A.<br>Buyer Comment (2025-07-29): Please find Operating Agreement confirming Borrowers access to funds. Thank you. | 07/31/2025 |  |  | 1 C A | XX | CT | Investment | Purchase | C A |  | N/A | No |
| XX | 224082184 | XX | XX |  | 34473875 | 12025060592-3831 | 07/22/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for borrower living rent free with someone other than spouse. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 680<br> Representative FICO: 749 | XXXX | Reviewer Comment (2025-07-22): Waived with compensating factors per lender exception approval at origination. |  |  | 07/22/2025 | 2 B | XX | TX | Investment | Purchase | B A |  | N/A | No |
| XX | 224082187 | XX | XX |  | 34473879 | 12025051957-2799 | 07/22/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | The file is missing borrower's signature page of the Note. |  |  |  | Reviewer Comment (2025-07-31): Cleared with Note.<br>Buyer Comment (2025-07-29): See attached copy of complete Note. | 07/31/2025 |  |  | 1 D A | XX | NY | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XX | 224082188 | XX | XX |  | 34473881 | 12025052873-7905 | 07/22/2025 | Credit | Guideline | Guideline Issue | Guideline | Borrower is a first time home buyer and ineligible per guidelines. | Borrower: XX | Lender approved exception request for a borrower who lives rent free with parents and is a First Time Homebuyer/First Time Investor. Comp Factors: 1. FICO 40+ points over the minimum required scored for the LTV requested. 2.LTV more than 10% below the max allowed. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 51.72<br> Guideline Requirement: 2.00<br>Guidelines Representative FICO: 620<br> Representative FICO: 787 | XXXX<br>XXXX | Reviewer Comment (2025-07-22): Waived with compensating factors per lender exception approval at origination. |  |  | 07/22/2025 | 2 B | XX | FL | Investment | Purchase | B A |  | N/A | No |
| XX | 224082191 | XX | XX |  | 34473885 | 12025050595-25749 | 07/22/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | File is missing final signed and dated HUD-1/Settlement Statement. |  |  |  | Reviewer Comment (2025-07-28): clear<br>Buyer Comment (2025-07-24): 07/24-Please see attached | 07/28/2025 |  |  | 1 C A | XX | NM | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XX | 224082192 | XX | XX |  | 34473888 | 12025050952-5205 | 07/22/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Provide OFAC for the borrowing entity. |  |  |  | Reviewer Comment (2025-07-31): Received OFAC<br>Buyer Comment (2025-07-30): Fraud | 07/31/2025 |  |  | 1 C A | XX | GA | Investment | Purchase | C A |  | N/A | No |
| XX | 224082198 | XX | XX |  | 34473900 | 12025060339-5205 | 07/23/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Missing OFAC for business entity. |  |  |  | Reviewer Comment (2025-07-29): clear<br>Buyer Comment (2025-07-25): Please find clear ofac attached. Thank you. | 07/29/2025 |  |  | 1 C A | XX | FL | Investment | Purchase | C A |  | N/A | No |
| XX | 224082202 | XX | XX |  | 34473903 | 12025061528-31588 | 07/23/2025 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date 07/XX/2025, Disbursement Date: 07/XX/2025 | Hazard Insurance effective date 07/XX/2025 is after the note date of 07/XX/2025. |  |  |  | Reviewer Comment (2025-07-30): Per client, accepting HOI as effective date is same as disbursement date.<br>Buyer Comment (2025-07-26): Per the Final SS, the funds disbursed on 7.08. The HOI effective date starts on 07.08. It appears we are in compliance. Please clear | 07/30/2025 |  |  | 1 C A | XX | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XX | 224082202 | XX | XX |  | 34473905 | 12025061528-23688 | 07/23/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $143,399.00. Provide verification of policy with sufficient coverage OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-07-30): 100% Replacement cost in place.<br>Buyer Comment (2025-07-26): Please see attached HOI. The policy says "100 Replacement Cost" under the coverage section | 07/30/2025 |  |  | 1 C A | XX | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XX | 224082209 | XX | XX |  | 34473922 | 12025061711-3831 | 07/25/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide all pages of the UW Income worksheet. |  |  |  | Reviewer Comment (2025-07-31): Cleared with Inc WS<br>Buyer Comment (2025-07-30): DSCR income | 07/31/2025 |  |  | 1 C A | XX | TN | Investment | Purchase | C A |  | N/A | No |
| XX | 224082212 | XX | XX |  | 34473928 | 12025032114-3831 | 07/29/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception request for Borrower is living rent free with parents. Comp Factors: DSCR Ratio >1.15% and >3 tradelines rated for >5 yrs. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: 8.74<br> Guideline Requirement: 2.00 | XXXX | Reviewer Comment (2025-07-29): Waived with compensating factors per lender exception approval at origination. |  |  | 07/29/2025 | 2 B | XX | FL | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| XX | 224082237 | XX | XX |  | 34473964 | 12025011616-22166 | 03/13/2025 | Property | Property - Appraisal | Appraisal Data Integrity | Property - Appraisal | Appraiser's license or certification was not active at the time of the appraisal. | Valuation Type: Appraisal / Valuation Report Date: 02/XX/2025 | Appraiser's license was not active at the time of the appraisal. |  |  |  | Reviewer Comment (2025-03-16): Appraisal in file indicates issued 2023.<br>Buyer Comment (2025-03-13): Please note the Appraisal is dated as ofXX/XX/XXXX with the appraiser's license expiration date of 2/9/2025. In addition, the appraiser dated/signature date is XX/XX/XXXX. Thank you. Plese clear. | 03/16/2025 |  |  | 1 C A | XX | NY | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | N/A | No |
| XX | 224082238 | XX | XX |  | 34473967 | 12025021029-25838 | 03/13/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XX, Address: XX Address: XX Insurance Verification<br> Insurance Verification<br> Insurance Verification | Missing Insurance verification for REO XX and XX. |  |  |  | Reviewer Comment (2025-04-09): clear<br>Buyer Comment (2025-04-09): Please see attached loe addressing the property XX. Thank you.<br>Reviewer Comment (2025-04-04): The LOX provided does not verify no insurance for XX property.<br>Buyer Comment (2025-04-02): Please find attached loe from Borrower confirming what properties have no HOI. Thank you.<br>Buyer Comment (2025-04-02): See executed loe from Borrower confirming no hoi. Thank you.<br>Buyer Comment (2025-04-02): XXXX, PLEASE see documents update LOE from Borrower confirming he does not carry hoi on any property. Thank you.<br>Reviewer Comment (2025-04-02): Provide proof of insurance for all additional REO.<br>Buyer Comment (2025-03-31): Please find tax cert for XX. Thank you.<br>Buyer Comment (2025-03-31): Please find attached HOI loe from Borrower confirming no hoi. Along w/property reports & tax certs. Thank you.<br>Reviewer Comment (2025-03-18): File is Accelerator (CCT) Business loan which requires verification of REO PITIA in order to obtain an accurate DTI calculation.<br>Buyer Comment (2025-03-14): Please find guideline attached confirming on DSCR loans only the Borrowers primary & subject (if a refi) piti must be verified. Thank you. | 04/09/2025 |  |  | 1 C A | XX | CA | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | N/A | No |
| XX | 224082247 | XX | XX |  | 34474016 | 12025031784-3831 | 05/30/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower lives rent-free with someone other than spouse. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has verified disposable income of at least $2500.00. | DTI: 35.23678% <br> Guideline Maximum DTI: 50.00000%<br>Documentation Type: 12mo CPA P&L<br> Disposable Income: $5,720.16 | XXXX<br>XXXX | Reviewer Comment (2025-06-05): Waived with compensating factors per lender exception approval at origination.<br>Buyer Comment (2025-06-04): exception |  |  | 06/05/2025 | 2 C B | XX | FL | Investment | Purchase | C B A | Exempt from ATR | N/A | No |
| XX | 224082248 | XX | XX |  | 34474019 | 12025041437-5404 | 06/02/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XX LOE | Provide documentation verifying that XX is same establishment as XX. |  |  |  | Reviewer Comment (2025-06-04): clear<br>Buyer Comment (2025-06-03): XXXX | 06/04/2025 |  |  | 1 C A | XX | TX | Investment | Refinance - Rate/Term | C A | Exempt from ATR | N/A | No |
| XX | 224082249 | XX | XX |  | 34474021 | 12025042165-30930 | 06/02/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of $XX is less than the note amount of $XX based on the Commitment in file. |  |  |  |  | Reviewer Comment (2025-06-04): clear<br>Buyer Comment (2025-06-03): supplement | 06/04/2025 |  |  | 1 B A | XX | WA | Investment | Refinance - Cash-out - Other | C A B | Exempt from ATR | N/A | No |
| XX | 224082249 | XX | XX |  | 34474022 | 12025042165-27840 | 06/02/2025 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify. Sec ID: 7 | Note Date: 05/XX/2025; Lien Position: 1 |  |  |  |  | Reviewer Comment (2025-06-04): clear<br>Buyer Comment (2025-06-03): D0168 CDA supports value used $XXX to qualify; per guidelines CDA value can be used to qualify if below 20% variance. | 06/04/2025 |  |  | 1 C A | XX | WA | Investment | Refinance - Cash-out - Other | C A B | Exempt from ATR | N/A | No |
| XX | 224082249 | XX | XX |  | 34474023 | 12025042165-6498 | 06/02/2025 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report Date: 04/XX/2025 | Please provide the appraisal invoice from XX |  |  |  | Reviewer Comment (2025-06-04): clear<br>Buyer Comment (2025-06-04): invoice | 06/04/2025 |  |  | 1 B A | XX | WA | Investment | Refinance - Cash-out - Other | C A B | Exempt from ATR | N/A | No |
| XX | 224082250 | XX | XX |  | 34474027 | 12025042466-23698 | 06/03/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: XX |  |  |  |  | Reviewer Comment (2025-06-09): clear<br>Buyer Comment (2025-06-05): Fraud | 06/09/2025 |  |  | 1 C A | XX | CA | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | N/A | No |
| XX | 224082250 | XX | XX |  | 34474028 | 12025042466-25838 | 06/03/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XX Tax Verification | The file is missing tax verification for the XX property. |  |  |  | Reviewer Comment (2025-06-09): clear<br>Buyer Comment (2025-06-05): tax cert | 06/09/2025 |  |  | 1 C A | XX | CA | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | N/A | No |
| XX | 224082250 | XX | XX |  | 34474030 | 12025042466-29639 | 06/03/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The file is missing tax verification for the XXX property. |  |  |  | Reviewer Comment (2025-06-09): clear<br>Buyer Comment (2025-06-05): see attached tax cert | 06/09/2025 |  |  | 1 C A | XX | CA | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | N/A | No |
| XX | 224082250 | XX | XX |  | 34474031 | 12025042466-3831 | 06/03/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide a final closing statement. Estimate provided. |  |  |  | Reviewer Comment (2025-06-09): clear<br>Buyer Comment (2025-06-05): Final | 06/09/2025 |  |  | 1 C A | XX | CA | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | N/A | No |
| XX | 224082251 | XX | XX |  | 34474033 | 12025040195-5670 | 06/09/2025 | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Tangible Net Benefit Test | Minnesota Residential Mortgage Originator and Servicer Licensing Act: Unable to determine if mortgage loan provides a tangible net benefit to the borrower due to missing prior loan information. | Tangible Net Benefit is missing. |  |  |  | Reviewer Comment (2025-06-18): Clear<br>Buyer Comment (2025-06-16): Attached NTB form completed and signed/dated. | 06/18/2025 |  |  | 1 B A | XX | MN | Primary | Refinance - Rate/Term | B A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082252 | XX | XX |  | 34474037 | 12025040377-23698 | 06/09/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: XX | Fraud report is missing. |  |  |  | Reviewer Comment (2025-06-23): Fraud report received.<br>Buyer Comment (2025-06-20): Please find final clear fraud guard attached. Thank you. | 06/23/2025 |  |  | 1 C A | XX | NJ | Primary | Refinance - Rate/Term | C A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082252 | XX | XX |  | 34474038 | 12025040377-33616 | 06/09/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-06-24): clear<br>Buyer Comment (2025-06-23): 06/23-Please see attached E Sign and Consent agreement<br>Reviewer Comment (2025-06-23): Document received is not for our borrower. Please provide e-sign consent agreement for our borrower for review.<br>Buyer Comment (2025-06-20): Please find E-Consent attached. Thank you.<br>Buyer Comment (2025-06-20): Please find E-Constent. Thank you. | 06/24/2025 |  |  | 1 C A | XX | NJ | Primary | Refinance - Rate/Term | C A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082257 | XX | XX |  | 34474062 | 12025042240-2839 | 06/13/2025 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Please provide a signed and dated gift letter for gift of equity ($108,600.00) by the donor and borrower. | Borrower has verified disposable income of at least $2500.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Documentation Type: 12mo Bank Statement<br> Disposable Income: $13,365.26<br>DTI: 14.74193% <br> Guideline Maximum DTI: 45.00000% | XXXX<br>XXXX | Reviewer Comment (2025-07-24): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2025-07-22): See exception attached. Thank you.<br>Reviewer Comment (2025-07-02): Need Gift letter dated prior to closing.<br>Buyer Comment (2025-07-02): Please find gift of equity letter. Thank you. |  |  | 07/24/2025 | 2 C B | XX | AZ | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082257 | XX | XX |  | 34474063 | 12025042240-27655 | 06/13/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | Provide bank statement for the month of November 2024. |  |  |  | Reviewer Comment (2025-07-02): clear<br>Buyer Comment (2025-07-02): Please find XX Nov statement. Thank you. | 07/02/2025 |  |  | 1 C A | XX | AZ | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082257 | XX | XX |  | 34474064 | 12025042240-29640 | 06/13/2025 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Provide gift letter for gift of equity ($108,600.00) signed and dated by the donor and borrower is required as per guideline. | Borrower has verified disposable income of at least $2500.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Documentation Type: 12mo Bank Statement<br> Disposable Income: $13,365.26<br>DTI: 14.74193% <br> Guideline Maximum DTI: 45.00000% | XXXX<br>XXXX | Reviewer Comment (2025-07-24): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2025-07-22): See exception attached. Thank you.<br>Reviewer Comment (2025-07-02): Need Gift letter dated prior to closing.<br>Buyer Comment (2025-07-02): Gift of equity letter attached. Thank you. |  |  | 07/24/2025 | 2 C B | XX | AZ | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082257 | XX | XX |  | 34474066 | 12025042240-6446 | 06/13/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.87182% or Final Disclosure APR of 9.21700% is equal to or greater than the threshold of APOR 6.87% + 1.5%, or 8.37000%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of 8.87182% or Final Disclosure APR of 9.21700% is equal to or greater than the threshold of APOR 6.87% + 1.5%, or 8.37000%. |  |  |  | Reviewer Comment (2025-07-02): Clear<br>Buyer Comment (2025-07-01): Please see attached 05.24 Appraisal Proof of Delivery | 07/02/2025 |  |  | 1 C A | XX | AZ | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082257 | XX | XX |  | 34474067 | 12025042240-34626 | 06/13/2025 | Compliance | Compliance | Federal Compliance | Compliance | Federal HPML Appraisal - CDFI Not Exempt | TILA HPML Appraisal Rule (Dodd-Frank 2014): ATR Exempt CDFI loan does not qualify for exemption from Federal HPML Appraisal requirements under 1026.35(c)(2) due to loan failing one or more of the QM requirements under 1026.43(c)(2)(i)-(iii) or (vi) (Loan Feature, Loan Term, Points and Fees, or QM APOR Rate Threshold. | Evidence of appraisal receipt (3) days prior to close was not provided. |  |  |  | Reviewer Comment (2025-07-02): Clear<br>Buyer Comment (2025-07-01): Please see the 05.24 Appraisal Proof of Delivery | 07/02/2025 |  |  | 1 B A | XX | AZ | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082257 | XX | XX |  | 34474068 | 12025042240-7013 | 06/13/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/24/2025) | Evidence of appraisal receipt (3) days prior to close was not provided. |  |  |  | Reviewer Comment (2025-07-02): Clear<br>Buyer Comment (2025-07-01): Please see attached 05.24 appraisal proof of delivery | 07/02/2025 |  |  | 1 C A | XX | AZ | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082257 | XX | XX |  | 34474069 | 12025042240-4264 | 06/13/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 3.00. | Borrower has insufficient reserves. The file is missing gift letter for the gift of equity. | Borrower has verified disposable income of at least $2500.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Documentation Type: 12mo Bank Statement<br> Disposable Income: $13,365.26<br>DTI: 14.74193% <br> Guideline Maximum DTI: 45.00000% | XXXX<br>XXXX | Reviewer Comment (2025-07-24): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2025-07-22): See exception attached. Thank you. |  |  | 07/24/2025 | 2 C B | XX | AZ | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082257 | XX | XX |  | 34474070 | 12025042240-23086 | 06/13/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $10,001.52 is less than Cash From Borrower $109,787.17. | Borrower has insufficient cash to close due to the file missing donor's gift letter for the gift of equity. | Borrower has verified disposable income of at least $2500.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Documentation Type: 12mo Bank Statement<br> Disposable Income: $13,365.26<br>DTI: 14.74193% <br> Guideline Maximum DTI: 45.00000% | XXXX<br>XXXX | Reviewer Comment (2025-07-24): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2025-07-22): See exception attached. Thank you.<br>Buyer Comment (2025-07-22): See exception attached.<br>Reviewer Comment (2025-07-02): Need Gift letter dated prior to closing.<br>Buyer Comment (2025-07-02): With gift of equity letter provided reserves now met. Thank you. |  |  | 07/24/2025 | 2 C B | XX | AZ | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082257 | XX | XX |  | 34474071 | 12025042240-29639 | 06/13/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing 11/2024 bank statement. |  |  |  | Reviewer Comment (2025-07-02): clear<br>Buyer Comment (2025-07-02): See Nov statement attached. | 07/02/2025 |  |  | 1 C A | XX | AZ | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082262 | XX | XX |  | 34474094 | 32025050283-6583 | 06/25/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $324.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  |  |  | Reviewer Comment (2025-06-18): Sufficient Cure Provided At Closing |  | 06/18/2025 |  | 1 A | XX | CT | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | No |
| XX | 224082266 | XX | XX |  | 34474118 | 12025060045-3831 | 07/03/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for borrower living rent-free with parents. | Borrower has verified disposable income of at least $2500.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Documentation Type: 12mo Bank Statement<br> Disposable Income: $24,651.67<br>DTI: 23.80171% <br> Guideline Maximum DTI: 50.00000%<br>Guidelines Representative FICO: 680<br> Representative FICO: 769 | Originator Pre-Close,XXXX<br>Originator Pre-Close,XXXX<br>Originator Pre-Close,XXXX | Reviewer Comment (2025-07-03): Waived with compensating factors per lender exception approval at origination. |  |  | 07/03/2025 | 2 B | XX | GA | Primary | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082276 | XX | XX |  | 34474160 | 12025030467-855 | 07/08/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: 03/XX/2025&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br> Disaster End Date: 03/XX/2025<br> Disaster Name: SEVERE STORMS AND FLOODING<br> Disaster Declaration Date: 05/XX/2025 | Please provide a post-disaster inspection verifying there was no damage from Severe Storms and Flooding The inspection must include exterior photos and the property must be re-inspected after the 05/XX/2025 Disaster Declared End Date. The most recent inspection was completed on 03/XX/2025. |  |  |  | Reviewer Comment (2025-07-17): PDI received reflecting no damage.<br>Buyer Comment (2025-07-15): Disaster inspection | 07/17/2025 |  |  | 1 C A | XX | TX | Primary | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082276 | XX | XX |  | 34474163 | 12025030467-29639 | 07/08/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The file is missing the verification of employment within 20 business days of the Note date. |  |  |  | Reviewer Comment (2025-07-30): Cleared with CPA letter.<br>Buyer Comment (2025-07-28): proof of PTIN business<br>Buyer Comment (2025-07-28): proof of business<br>Reviewer Comment (2025-07-17): Please provide evidence of license of individual who signed letter.<br>Buyer Comment (2025-07-15): VVOE | 07/30/2025 |  |  | 1 C A | XX | TX | Primary | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082276 | XX | XX |  | 34474164 | 12025030467-5404 | 07/08/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XX Third Party Verification | The file is missing the verification of employment within 20 business days of the Note date. |  |  |  | Reviewer Comment (2025-07-30): Cleared with CPA letter.<br>Buyer Comment (2025-07-28): see attached docs<br>Reviewer Comment (2025-07-17): Please provide evidence of license of individual who signed letter.<br>Buyer Comment (2025-07-15): see attached VVOE | 07/30/2025 |  |  | 1 C A | XX | TX | Primary | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082276 | XX | XX |  | 34474165 | 12025030467-6542 | 07/08/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Policy Guarantee Fee. Fee Amount of $2.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (XX) | Fee increased without a valid change of circumstance. |  |  |  | Reviewer Comment (2025-07-21): XXXX received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-07-18): Please see attached PCCD, LOA, Check, & Tracking<br>Reviewer Comment (2025-07-10): While it is agreed that the fee is not lender or title required, it is a fee charged on every TX transaction. Because it is a state required fee this fee should have been disclosed on the initial LE. Because this is a tolerance cure, PCCD, LOE, Copy of Refund check and proof of mailing is required. |  | 07/21/2025 |  | 2 C B | XX | TX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082279 | XX | XX |  | 34474180 | 12025051676-23931 | 07/08/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  |  |  | Reviewer Comment (2025-07-17): Final title received | 07/17/2025 |  |  | 1 A | XX | CA | Primary | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082279 | XX | XX |  | 34474181 | 12025051676-25838 | 07/08/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XX Insurance Verification, Statement | Tax & Insurance verification required. |  |  |  | Reviewer Comment (2025-07-17): REO documents received<br>Buyer Comment (2025-07-15): see attached tax bill; $0 tax due to property is part of an XXXX<br>Reviewer Comment (2025-07-14): The document referenced is incomplete. It does not reflect the annual property tax amount.<br>Buyer Comment (2025-07-10): D0275 is the tax cert; Per tax cert property is land only. Insurance is not required. | 07/17/2025 |  |  | 1 C A | XX | CA | Primary | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082279 | XX | XX |  | 34474183 | 12025051676-29639 | 07/08/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The file is missing REO mortgage statement and insurance verification for XX property. |  |  |  | Reviewer Comment (2025-07-17): REO documents received<br>Buyer Comment (2025-07-15): property is reporting $0 tax bill- property is part of an XXXX;<br>Buyer Comment (2025-07-15): Tax bill<br>Buyer Comment (2025-07-15): VOM<br>Reviewer Comment (2025-07-14): Document referenced is incomplete. It does not list the total annual taxes for the property.<br>Buyer Comment (2025-07-10): payment history for XXXX<br>Buyer Comment (2025-07-10): Property is land per tax cert; No insurance | 07/17/2025 |  |  | 1 C A | XX | CA | Primary | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082279 | XX | XX |  | 34474184 | 12025051676-32065 | 07/08/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-07-17): Final title received reflecting sufficient coverage<br>Buyer Comment (2025-07-15): title | 07/17/2025 |  |  | 1 B A | XX | CA | Primary | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082279 | XX | XX |  | 34474185 | 12025051676-3831 | 07/08/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence that the CPA that prepared the P&L is duly licensed. |  |  |  | Reviewer Comment (2025-07-14): Received EA certificate.<br>Buyer Comment (2025-07-10): Enrolled agent | 07/14/2025 |  |  | 1 C A | XX | CA | Primary | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082285 | XX | XX |  | 34474210 | 12025042766-17817 | 07/10/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Initial - Lender's is incomplete |  | File is missing signed and dated initial 1003. |  |  |  | Reviewer Comment (2025-07-30): Received signed initial 1003<br>Reviewer Comment (2025-07-28): 1003's signed by the borrower are dated same day as closing.<br>Reviewer Comment (2025-07-28): Cleared in error.<br>Reviewer Comment (2025-07-28): cleared<br>Buyer Comment (2025-07-24): Please see attached 1003 executed by Borrower. Thank you.<br>Reviewer Comment (2025-07-14): Received 1003 signed by Lender; however, it is not signed by borrower.<br>Buyer Comment (2025-07-10): attached<br>Buyer Comment (2025-07-10): attached signed by Lender | 07/30/2025 |  |  | 1 B A | XX | FL | Primary | Refinance - Cash-out - Other | C A B | Exempt from ATR | Exempt from ATR | No |
| XX | 224082285 | XX | XX |  | 34474211 | 12025042766-2802 | 07/10/2025 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | File is missing signed initial 1003. |  |  |  | Reviewer Comment (2025-07-30): Received signed initial 1003<br>Reviewer Comment (2025-07-28): 1003's signed by the borrower are dated same day as closing.<br>Reviewer Comment (2025-07-28): Cleared in error.<br>Reviewer Comment (2025-07-28): clear<br>Buyer Comment (2025-07-24): Attached is signed initial 1003 by Lender and Borrower<br>Buyer Comment (2025-07-24): Attached find Initial 1003 signed by borrower and lender | 07/30/2025 |  |  | 1 B A | XX | FL | Primary | Refinance - Cash-out - Other | C A B | Exempt from ATR | Exempt from ATR | No |
| XX | 224082285 | XX | XX |  | 34474212 | 12025042766-30168 | 07/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after 06/XX/2025 contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation |  |  |  |  | Reviewer Comment (2025-07-25): XXXX received CD dated 06/02/2025<br>Buyer Comment (2025-07-24): See attached signed CD. | 07/25/2025 |  |  | 1 C A | XX | FL | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. C A B | Exempt from ATR | Exempt from ATR | No |
| XX | 224082287 | XX | XX |  | 34474217 | 12025052638-3831 | 07/11/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower lives rent-free with someone other than spouse (in-law). |  |  |  | Reviewer Comment (2025-07-23): Updated 1008 received in trailing documents, detailing UW discretion for allowing a borrower living rent free with someone other than a spouse.<br>Buyer Comment (2025-07-23): Please find rent free commentary on 1008. Thanks so much.<br>Reviewer Comment (2025-07-22): Document not received. Please try resending.<br>Buyer Comment (2025-07-18): See underwriters 1008 with rent free commentary. Thank you. | 07/23/2025 |  |  | 1 C A | XX | CA | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082287 | XX | XX |  | 34474218 | 12025052638-29640 | 07/11/2025 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | The gift letter in file is undated. |  |  |  | Reviewer Comment (2025-07-22): Dated gift letter received<br>Buyer Comment (2025-07-21): Please see dated gift letter attached. Thank you. | 07/22/2025 |  |  | 1 C A | XX | CA | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082287 | XX | XX |  | 34474219 | 12025052638-6459 | 07/11/2025 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: XX, Credit Report: Original // Borrower: XX | There are red flags on the fraud report that were not addressed.. |  |  |  | Reviewer Comment (2025-07-22): Received alerts summary with all red flags addressed<br>Buyer Comment (2025-07-18): Please find clear final fraud attached. Thank you. | 07/22/2025 |  |  | 1 C A | XX | CA | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082288 | XX | XX |  | 34474224 | 12025050910-767 | 07/14/2025 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Collections / Balance: 10698.00, Credit Report: Original // Public Record Type: Judgments / Balance: 4556.00 | The file did not contain evidence the debt for $10,698 was satisfied. |  |  |  | Reviewer Comment (2025-07-22): Client elects to waive.<br>Buyer Comment (2025-07-22): Please waive. |  |  | 07/22/2025 | 2 B | XX | TX | Investment | Purchase | C B A | Exempt from ATR | N/A | No |
| XX | 224082288 | XX | XX |  | 34474225 | 12025050910-3831 | 07/14/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide evidence that the CPA has no affiliation with the borrower or the business. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | XXXX<br>XXXX<br>XXXX<br>XXXX<br>XXXX<br>XXXX | Reviewer Comment (2025-07-22): Waived with compensating factors per lender request.<br>Buyer Comment (2025-07-22): Please waive. Thank you.<br>Reviewer Comment (2025-07-18): This is also a requirement when using business funds as assets per page 47 of the guidelines, the last bullet point.<br>Buyer Comment (2025-07-16): Only required per guidelines if the CPA is providing the fixed expense ratio. <br>Percentage of gross deposits as calculated using a fixed expense ratio factor as provided by <br> a CPA, Enrolled Agent, CTEC, or chartered tax adviser. The CPA/licensed tax preparer must <br> attest they have audited the business financial statements or reviewed working papers <br> provided by the borrower as well as attest they are not affiliated/associated with the <br> borrower or their business. |  |  | 07/22/2025 | 2 C B | XX | TX | Investment | Purchase | C B A | Exempt from ATR | N/A | No |
| XX | 224082294 | XX | XX |  | 34474251 | 12025060226-23698 | 07/15/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: XX |  |  |  |  | Reviewer Comment (2025-07-30): Cleared with Fraud Report.<br>Buyer Comment (2025-07-29): fraud<br>Reviewer Comment (2025-07-25): Full Fraud Report is required.<br>Buyer Comment (2025-07-23): Fraud Report<br>Reviewer Comment (2025-07-18): Document received is only the alerts summary. Please provide full fraud report obtained at or prior to consummation.<br>Buyer Comment (2025-07-16): Fraud summary | 07/30/2025 |  |  | 1 C A | XX | CA | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082294 | XX | XX |  | 34474256 | 12025060226-6542 | 07/15/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75103) | Valid change of circumstance or sufficient cure is missing. |  |  |  | Reviewer Comment (2025-08-04): Received COC detailing date of change, which matches appraisal date requiring 442, along with CD reflecting initial addition of fee.<br>Reviewer Comment (2025-07-25): The COC provided reflects an incorrect date and amount.<br>Reviewer Comment (2025-07-25): XXXX received COC dated 06/18/2025 with appraisal re-inspection fee added of $300. But the fee re-inspection fee added of $200 on Final CD dated 06/26/2025. However, appraisal report in the loan file completed on 0XX/XX/XXXX and the fee added on 06/26. This is outside of the required three-day timeline for notification of borrower. Cure is required.<br>Buyer Comment (2025-07-24): Attached COC for $300 Appraisal Re-Inspection fee - condition stated $200, but it is $300. | 08/04/2025 |  |  | 1 C A | XX | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082295 | XX | XX |  | 34474261 | 32025051548-6498 | 07/14/2025 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report Date: 04/XX/2025 | The appraisal is a transferred report as the lender on the note is not the same as the lender on the appraisal report. The file is missing the appraisal transfer letter and appraisal invoice. |  |  |  | Reviewer Comment (2025-07-30): Transfer letter and invoice received in trailing docs.<br>Buyer Comment (2025-07-29): Appraisal transfer letter and invoice. | 07/30/2025 |  |  | 1 B A | XX | CA | Primary | Purchase | C A B | Non QM | Non QM | No |
| XX | 224082295 | XX | XX |  | 34474262 | 32025051548-5404 | 07/14/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XX Third Party Verification | The file only contains 11 months of business bank statements when 12 months is required. Provide 04/XX/2025-04/XX/2025 statement. |  |  |  | Reviewer Comment (2025-07-30): Third party verification dated within 20 business days of Note in file.<br>Reviewer Comment (2025-07-22): A VVOE is not third party verification of self-employment. In order to meet ATR requirements, documentation dated on or before consummation from a third party source such as CPA, secretary of state, etc, must be provided to verify self-employment.<br>Buyer Comment (2025-07-18): See document uploaded 7/18<br>Buyer Comment (2025-07-18): Guidelines do not state that the documentation has to be prior to consummation, only that they can't be dated more than 20 days prior to the consummation for Self-Employed.<br>Reviewer Comment (2025-07-17): Condition remains open due to missing third party verification dated no more than 20 business days prior to consummation. Documentation provided in file is dated 6/27/2025, which is after Note date. All third party verification docs must be dated on or before consummation of the loan.<br>Reviewer Comment (2025-07-17): EXCEPTION HISTORY - Exception Explanation was updated on 07/17/2025 PRIOR Exception Explanation: Account Statements - Business, Third Party Verification<br>Buyer Comment (2025-07-15): April 2025 Business Bank Statement. | 07/30/2025 |  |  | 1 C A | XX | CA | Primary | Purchase | C A B | Non QM | Non QM | No |
| XX | 224082295 | XX | XX |  | 34474263 | 32025051548-34537 | 07/14/2025 | Credit | Income | Document Error | Income | Bank statement page number is blank. | Borrower: XX // Employment Type: Employment / Income Type: Bank Statements / Start Date: 08/XX/2022 // Account Type: Business / Account Num: XX / Statement End Date: 2024-XX-30 | The file only contains 11 months of business bank statements when 12 months is required. Provide 04/XX/2025-04/XX/2025 statement. |  |  |  | Reviewer Comment (2025-07-17): Received additional bank statement to complete required 12 months in trailing docs.<br>Buyer Comment (2025-07-15): April 2025 Business Bank Statement. | 07/17/2025 |  |  | 1 C A | XX | CA | Primary | Purchase | C A B | Non QM | Non QM | No |
| XX | 224082295 | XX | XX |  | 34474264 | 32025051548-27655 | 07/14/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | The file only contains 11 months of business bank statements when 12 months is required. Provide 04/XX/2025-04/XX/2025 statement. |  |  |  | Reviewer Comment (2025-07-17): Received additional month statement to complete required 12 months.<br>Buyer Comment (2025-07-15): April 2025 Business Bank Statement. | 07/17/2025 |  |  | 1 C A | XX | CA | Primary | Purchase | C A B | Non QM | Non QM | No |
| XX | 224082295 | XX | XX |  | 34474265 | 32025051548-25029 | 07/14/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The file only contains 11 months of business bank statements when 12 months is required. Provide 04/XX/2025-04/XX/2025 statement. |  |  |  | Reviewer Comment (2025-07-30): Third party verification dated within 20 business days of Note in file and additional bank statement received in trailing docs.<br>Reviewer Comment (2025-07-22): A VVOE is not third party verification of self-employment. In order to meet ATR requirements, documentation dated on or before consummation from a third party source such as CPA, secretary of state, etc, must be provided to verify self-employment.<br>Buyer Comment (2025-07-18): See document uploaded 7/18<br>Buyer Comment (2025-07-18): Guidelines do not state that the documentation has to be prior to consummation, only that they can't be dated more than 20 days prior to the consummation for Self-Employed.<br>Reviewer Comment (2025-07-17): Condition remains open due to missing third party verification dated no more than 20 business days prior to consummation. Documentation provided in file is dated 6/27/2025, which is after Note date. All third party verification docs must be dated on or before consummation of the loan.<br>Buyer Comment (2025-07-15): April 2025 Business Bank Statement. | 07/30/2025 |  |  | 1 B A C | XX | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | No |
| XX | 224082295 | XX | XX |  | 34474266 | 32025051548-5695 | 07/14/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The file only contains 11 months of business bank statements when 12 months is required. Provide 04/XX/2025-04/XX/2025 statement. |  |  |  | Reviewer Comment (2025-07-30): Third party verification dated within 20 business days of Note in file and additional bank statement received in trailing docs.<br>Reviewer Comment (2025-07-22): A VVOE is not third party verification of self-employment. In order to meet ATR requirements, documentation dated on or before consummation from a third party source such as CPA, secretary of state, etc, must be provided to verify self-employment.<br>Buyer Comment (2025-07-18): See document uploaded 7/18<br>Buyer Comment (2025-07-18): Guidelines do not state that the documentation has to be prior to consummation, only that they can't be dated more than 20 days prior to the consummation for Self-Employed.<br>Reviewer Comment (2025-07-17): Condition remains open due to missing third party verification dated no more than 20 business days prior to consummation. Documentation provided in file is dated 6/27/2025, which is after Note date. All third party verification docs must be dated on or before consummation of the loan.<br>Buyer Comment (2025-07-15): See April 2025 bank statement uploaded 07/15/2025. | 07/30/2025 |  |  | 1 C A | XX | CA | Primary | Purchase | C A B | Non QM | Non QM | No |
| XX | 224082295 | XX | XX |  | 34474269 | 32025051548-4264 | 07/14/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 2.27 is less than Guideline PITIA months reserves of 6.00. |  |  |  |  | Reviewer Comment (2025-07-30): Received documented POC items and EMD shows returned at closing. Sufficient reserves in file.<br>Reviewer Comment (2025-07-30): EXCEPTION HISTORY - Exception Explanation was updated on 07/30/2025 PRIOR Exception Explanation: Calculated PITIA months reserves of 2.33 is less than Guideline PITIA months reserves of 6.00.<br>Reviewer Comment (2025-07-24): Total fund required - $FTC - $334859.65 + Reserves - $75309.90 = $410169.55. Funds verified = $364909.59.<br>Buyer Comment (2025-07-22): The total verified assets are $70,012.66 allowed for reserves (gift not allowed for reserves). The gift was used for funds to close and no additional assets from the checking account were needed from closing so can be used towards the reserve requirement. <br> The reserve requirement for the program is 6 months which is $12,551.65 x 6 = $75,309.90 needed for reserves. Borrower has 5.57 months reserves. <br> Total Short is $75,309.90 - $70,012.66 = $5297.24 short for reserves. | 07/30/2025 |  |  | 1 C A | XX | CA | Primary | Purchase | C A B | Non QM | Non QM | No |
| XX | 224082295 | XX | XX |  | 34474270 | 32025051548-29639 | 07/14/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The file only contains 11 months of business bank statements when 12 months is required. Provide 04/XX/2025-04/XX/2025 statement. |  |  |  | Reviewer Comment (2025-07-30): Third party verification dated within 20 business days of Note in file.<br>Reviewer Comment (2025-07-22): A VVOE is not third party verification of self-employment. In order to meet ATR requirements, documentation dated on or before consummation from a third party source such as CPA, secretary of state, etc, must be provided to verify self-employment.<br>Buyer Comment (2025-07-18): See document uploaded 7/18<br>Buyer Comment (2025-07-18): Guidelines do not state that the documentation has to be prior to consummation, only that they can't be dated more than 20 days prior to the consummation for Self-Employed.<br>Reviewer Comment (2025-07-17): Condition remains open due to missing third party verification dated no more than 20 business days prior to consummation. Documentation provided in file is dated 6/27/2025, which is after Note date. All third party verification docs must be dated on or before consummation of the loan.<br>Buyer Comment (2025-07-15): See April 2025 bank statement uploaded 07/15/2025. | 07/30/2025 |  |  | 1 C A | XX | CA | Primary | Purchase | C A B | Non QM | Non QM | No |
| XX | 224082295 | XX | XX |  | 34474271 | 32025051548-33058 | 07/14/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | The file only contains 11 months of business bank statements when 12 months is required. Provide 04/XX/2025-04/XX/2025 statement. |  |  |  | Reviewer Comment (2025-07-30): Third party verification dated within 20 business days of Note in file and additional bank statement received in trailing docs.<br>Reviewer Comment (2025-07-22): A VVOE is not third party verification of self-employment. In order to meet ATR requirements, documentation dated on or before consummation from a third party source such as CPA, secretary of state, etc, must be provided to verify self-employment.<br>Buyer Comment (2025-07-18): See VVOE uploaded on 7/18.<br>Buyer Comment (2025-07-18): Guidelines do not state that the documentation has to be prior to consummation, only that they can't be dated more than 20 days prior to the consummation for Self-Employed.<br>Reviewer Comment (2025-07-17): Condition remains open due to missing third party verification dated no more than 20 business days prior to consummation. Documentation provided in file is dated 6/27/2025, which is after Note date. All third party verification docs must be dated on or before consummation of the loan.<br>Buyer Comment (2025-07-15): See April 2025 bank statement uploaded 07/15/2025. | 07/30/2025 |  |  | 1 C A | XX | CA | Primary | Purchase | C A B | Non QM | Non QM | No |
| XX | 224082295 | XX | XX |  | 34474272 | 32025051548-29640 | 07/14/2025 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | The loan is short reserves. |  |  |  | Reviewer Comment (2025-07-30): Received documented POC items and EMD shows returned at closing. Sufficient reserves in file.<br>Reviewer Comment (2025-07-24): Total fund required - $FTC - $334859.65 + Reserves - $75309.90 = $410169.55. Funds verified = $364909.59.<br>Buyer Comment (2025-07-22): The total verified assets are $70,012.66 allowed for reserves (gift not allowed for reserves). The gift was used for funds to close and no additional assets from the checking account were needed from closing so can be used towards the reserve requirement. <br> The reserve requirement for the program is 6 months which is $12,551.65 x 6 = $75,309.90 needed for reserves. Borrower has 5.57 months reserves. <br> Total Short is $75,309.90 - $70,012.66 = $5297.24 short for reserves.<br>Reviewer Comment (2025-07-22): No additional documentation received for this condition.<br>Buyer Comment (2025-07-18): Sorry, wrong Exception.<br>Buyer Comment (2025-07-18): Guidelines do not state that the documentation has to be prior to consummation, only that they can't be dated more than 20 days prior to the consummation for Self-Employed. | 07/30/2025 |  |  | 1 C A | XX | CA | Primary | Purchase | C A B | Non QM | Non QM | No |
| XX | 224082295 | XX | XX |  | 34474273 | 32025051548-3831 | 07/14/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the CPA letter used to verify the employment per the VVOE dated 06/XX/2025. |  |  |  | Reviewer Comment (2025-07-30): Third party verification dated within 20 business days of Note in file.<br>Reviewer Comment (2025-07-22): ATR is based on consummation date, not disbursement date. The documentation must be dated on or before consummation date of the loan.<br>Reviewer Comment (2025-07-22): A VVOE is not third party verification of self-employment. In order to meet ATR requirements, documentation dated on or before consummation from a third party source such as CPA, secretary of state, etc, must be provided to verify self-employment.<br>Buyer Comment (2025-07-18): VVOE dated 06/18/2025. In addition to guidelines not stating VVOE has to be prior to close, there is a PCCD that states closing and disbursement was 6/18.<br>Buyer Comment (2025-07-18): Guidelines do not state that the documentation has to be prior to consummation, only that they can't be dated more than 20 days prior to the consummation for Self-Employed.<br>Reviewer Comment (2025-07-17): Doc ID 233 is dated after consummation of the loan. Documentation dated on or before consummation date is required for review of this condition. it also must be dated no more than 20 business days prior to Note date, per the guidelines.<br>Buyer Comment (2025-07-16): CPA Letter was not obtained by the lender. Please see the Business Search, D0233 and State of California Statement of Information Corporation showing the business is still open, active and in good standing as evidence the borrower is still employed. | 07/30/2025 |  |  | 1 C A | XX | CA | Primary | Purchase | C A B | Non QM | Non QM | No |
| XX | 224082296 | XX | XX |  | 34474276 | 32025051240-4961 | 07/14/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The guidelines require a lease agreement for the most recent 12 month period and verification of timely payments (canceled checks from and back or bank statements showing account ownership and payments debited by landlord) when the VOR is completed by a private party. The file is missing a copy of the lease agreement. In addition, verification of timely payments is not verified as required as the only documentation in the file is rent receipts. |  |  |  | Reviewer Comment (2025-07-18): Received UW discretion explanation for allowing borrower living rent free with someone other than a spouse.<br>Buyer Comment (2025-07-16): Underwriting Manager's reasoning and approval. | 07/18/2025 |  |  | 1 C A | XX | CT | Primary | Purchase | C A | Non QM | Non QM | No |
| XX | 224082296 | XX | XX |  | 34474277 | 32025051240-27765 | 07/14/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $120.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. (7505) |  |  |  |  | Reviewer Comment (2025-07-07): Sufficient Cure Provided within 60 Days of Closing |  | 07/07/2025 |  | 1 A | XX | CT | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | Non QM | Non QM | No |
| XX | 224082296 | XX | XX |  | 34474278 | 32025051240-27765 | 07/14/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $820.00 exceeds tolerance of $795.00. Sufficient or excess cure was provided to the borrower. (7506) |  |  |  |  | Reviewer Comment (2025-07-07): Sufficient Cure Provided within 60 Days of Closing |  | 07/07/2025 |  | 1 A | XX | CT | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | Non QM | Non QM | No |
| XX | 224082298 | XX | XX |  | 34474283 | 12025030770-23698 | 07/21/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: XX |  |  |  |  | Reviewer Comment (2025-07-23): Fraud report received<br>Buyer Comment (2025-07-22): 07/22-Please see attached Fraud | 07/23/2025 |  |  | 1 C A | XX | MI | Primary | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082298 | XX | XX |  | 34474286 | 12025030770-3831 | 07/21/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception request for borrower paying monthly current subject land contract loan in cash over the past 2 years as stipulated by land contract owner LOE.<br> Other Compensating factors:<br> 1. FICO 40+ points over minimum matrix tier.<br> 2. Residual income over $3,000 | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Documentation Type: 12mo Bank Statement<br> Disposable Income: $4,204.24<br>Prior Housing Expense: $2,940.09<br> Proposed Housing Expense: $2,335.96<br>Loan Purpose: Refinance<br> Monthly Debt Reduction: -20.12990%<br>Guidelines Representative FICO: 680<br> Representative FICO: 777 | XXXX<br>XXXX<br>XXXX<br>XXXX | Reviewer Comment (2025-07-21): Waived with compensating factors per lender exception approval at origination. |  |  | 07/21/2025 | 2 B | XX | MI | Primary | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082298 | XX | XX |  | 34474287 | 12025030770-3831 | 07/21/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Allow borrower S/E for 14 months since 1/2024. Borrower previously in the military with trainings in the same line of work as his current business in XXX vs program minimum S/E of 24 months.<br> Compensating Factors:<br> Other Compensating factors:<br> 1. FICO 40+ points over minimum matrix tier.<br> 2. Residual income over $3,000 | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Documentation Type: 12mo Bank Statement<br> Disposable Income: $4,204.24<br>Prior Housing Expense: $2,940.09<br> Proposed Housing Expense: $2,335.96<br>Loan Purpose: Refinance<br> Monthly Debt Reduction: -20.12990%<br>Guidelines Representative FICO: 680<br> Representative FICO: 777 | XXXX<br>XXXX<br>XXXX<br>XXXX | Reviewer Comment (2025-07-21): Waived with compensating factors per lender exception approval at origination. |  |  | 07/21/2025 | 2 B | XX | MI | Primary | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082300 | XX | XX |  | 34474292 | 12025042101-27855 | 07/15/2025 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | Note Date: 06/XX/2025; Lien Position: 1 |  |  |  |  | Reviewer Comment (2025-07-18): Lender elects to waive.<br>Buyer Comment (2025-07-17): Lender accepts. Please waive with available compensating factors |  |  | 07/18/2025 | 2 A B | XX | FL | Investment | Purchase | B A | Exempt from ATR | N/A | No |
| XX | 224082302 | XX | XX |  | 34474305 | 12025060564-6582 | 07/16/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $323.00 exceeds tolerance of $290.00 plus 10% or $319.00. Sufficient or excess cure was provided to the borrower at Closing. (0) | No valid Change of circumstance provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-07-03): Sufficient Cure Provided At Closing |  | 07/03/2025 |  | 1 A | XX | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082302 | XX | XX |  | 34474306 | 12025060564-2666 | 07/16/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2025, prior to three (3) business days from transaction date of 06/XX/2025. |  |  |  |  | Reviewer Comment (2025-07-31): Cleared with final Settlement Statement verifying the funding date.<br>Buyer Comment (2025-07-29): Certified Final SS attached<br>Reviewer Comment (2025-07-29): Closing statement needs to be signed or stamped true and certified.<br>Buyer Comment (2025-07-25): See attached final settlement statement from title showing disb date of 6.30.25 | 07/31/2025 |  |  | 1 C A | XX | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Exempt from ATR | Exempt from ATR | No |
| XX | 224082318 | XX | XX |  | 34474356 | 12025051504-3831 | 07/22/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender requested an exception for living rent free with Co-borrower's brother since fall of 2022. Borrowers living rent free with anyone other than spouse are not eligible.<br> Compensating Factors:<br> (1) Residual income > $3000<br> (2) Borrower's credit score is at least 40 points > min 680 | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Documentation Type: Asset Depletion<br> Disposable Income: $3,351.30<br>Reserves: 100.47<br> Guideline Requirement: 3.00<br>Guidelines Representative FICO: 680<br> Representative FICO: 751 | Originator Pre-Close,XXXX<br>XXXX<br>XXXX | Reviewer Comment (2025-07-31): Waived with compensating factors per lender exception approval at origination.<br>Buyer Comment (2025-07-29): exception<br>Reviewer Comment (2025-07-22): Need an approved lender exception. |  |  | 07/31/2025 | 2 C B | XX | TX | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082322 | XX | XX |  | 34474372 | 12025061386-30831 | 07/23/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | The Hazard Insurance policy in the file did not list the correct Lender. XX is missing the (S) at the end. Please provide an updated policy disclosing lender as XX, ISAOA.ATIMA. |  |  |  | Reviewer Comment (2025-07-31): Cleared with dec page.<br>Buyer Comment (2025-07-30): 07/30-Please see attached HOI policy reflecting correct Mortgagee<br>Reviewer Comment (2025-07-28): There are 2 mortgagee clauses on the policy. XXXX loans. Is there subordinate financing for this property?<br>Buyer Comment (2025-07-24): 07/24 Please see attached HOI policy reflecting correct Lender | 07/31/2025 |  |  | 1 C A | XX | CA | Primary | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082341 | XX | XX |  | 34474417 | 32025042217-3831 | 06/02/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Borrower has been living rent free with mom for the past 10 years.<br> Compensating Factors:<br> - Borrower has 3 Months reserves greater than the requirement<br> - Fico +20 points greater than the requirement<br> - DSCR greater than the requirement 1.0x |  |  |  | Reviewer Comment (2025-06-05): clear<br>Buyer Comment (2025-06-03): UW discretion is allowed per Guidelines, Document ID D0362 in file with the u/w certification and compensating factors used. Please cancel this exception. | 06/05/2025 |  |  | 1 C A | XX | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XX | 224082345 | XX | XX |  | 34474427 | 12025050096-2924 | 06/05/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-06-11): Cleared<br>Buyer Comment (2025-06-09): Fraud | 06/11/2025 |  |  | 1 C A | XX | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XX | 224082345 | XX | XX |  | 34474428 | 12025050096-5205 | 06/05/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC for both borrower's is missing in the file. |  |  |  | Reviewer Comment (2025-06-11): Cleared<br>Buyer Comment (2025-06-09): see attached fraud | 06/11/2025 |  |  | 1 C A | XX | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XX | 224082345 | XX | XX |  | 34474430 | 12025050096-23698 | 06/05/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: XX, Credit Report: Original // Borrower: XX |  |  |  |  | Reviewer Comment (2025-06-11): Cleared<br>Buyer Comment (2025-06-09): see attached fraud | 06/11/2025 |  |  | 1 C A | XX | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XX | 224082350 | XX | XX |  | 34474438 | 12025051536-25749 | 06/12/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | File is missing final signed and dated final HUD-1/Settlement Statement. |  |  |  | Reviewer Comment (2025-06-17): clear<br>Buyer Comment (2025-06-13): Final | XX/XX/XXXX 10:01:36 AM |  |  | 1 C A | XX | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XX | 224082351 | XX | XX |  | 34474440 | 12025051263-2919 | 06/12/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing verification of rent for primary residence. |  |  |  | Reviewer Comment (2025-06-17): clear<br>Buyer Comment (2025-06-13): D0089 lease agreement and D0091 rent payments | XX/XX/XXXX 9:57:51 AM |  |  | 1 C A D | XX | CA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XX | 224082356 | XX | XX |  | 34474446 | 32025050410-6459 | 06/13/2025 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: XX |  |  |  |  | Reviewer Comment (2025-06-16): Cleared with full Fraud report. | 06/16/2025 |  |  | 1 C A | XX | TN | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XX | 224082364 | XX | XX |  | 34474459 | 12025042622-23698 | 06/13/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: XX | Full Fraud Report required with red flags cleared. |  |  |  | Reviewer Comment (2025-07-01): clear<br>Buyer Comment (2025-06-30): Please see attached<br>Buyer Comment (2025-06-30): Please find initial & final fraud guards attached. | 07/01/2025 |  |  | 1 C A | XX | WA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XX | 224082369 | XX | XX |  | 34474467 | 12025042618-3831 | 06/13/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception approved allowing borrower (not married) living rent free with daughter since 4/2023. Compensating factors: DSCR greater than 1.15%; FICCO 40+ points over minimum matrix tier. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 700<br> Representative FICO: 757 | Originator Pre-Close,XXXX | Reviewer Comment (2025-07-02): Waived with compensating factors per lender exception approval at origination.<br>Buyer Comment (2025-07-01): Please clear as exception already received by you. Thanks so much.<br>Buyer Comment (2025-07-01): Please see 1008 with underwriters comments for no rent free required. Thank you. |  |  | 07/02/2025 | 2 C B | XX | TX | Investment | Purchase | C B A |  | N/A | No |
| XX | 224082380 | XX | XX |  | 34474490 | 12025030277-3831 | 06/16/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The file is missing the fully executed Corporate Resolution from all owners of the business entity and sub-entities to confirm the guarantor has sufficient signing authority. |  |  |  | Reviewer Comment (2025-06-23): Cleared.<br>Buyer Comment (2025-06-20): signed operating agreement<br>Reviewer Comment (2025-06-19): Document in file is not signed by all parties.<br>Buyer Comment (2025-06-18): per operating agreement XX has authorization to sign.<br>Buyer Comment (2025-06-18): operating agreement | 06/23/2025 |  |  | 1 C A | XX | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| XX | 224082380 | XX | XX |  | 34474491 | 12025030277-6459 | 06/16/2025 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: XX |  |  |  |  | Reviewer Comment (2025-06-19): clear<br>Buyer Comment (2025-06-18): Fraud | 06/19/2025 |  |  | 1 C A | XX | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| XX | 224082385 | XX | XX |  | 34474503 | 12025050195-3831 | XX/XX/XXXX 6:46:58 PM | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception request for borrowers who live rent free with parents.<br> Compensating Factor:<br> 1. FICO 40+ points over the minimum required score for the LTV requested.<br> 2. DSCR of 1.15 or higher. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 700<br> Representative FICO: 765 | XXXX | Reviewer Comment (2025-06-19): Waived with compensating factors per lender exception approval at origination.<br>Buyer Comment (2025-06-18): exception |  |  | 06/19/2025 | 2 C B | XX | AL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XX | 224082386 | XX | XX |  | 34474505 | 12025032722-3831 | XX/XX/XXXX 6:46:58 PM | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The lender approved exception has been requested for borrower living rent free with other than spouse. The exception is approved with comp factor 1. Borrower's FICO 746 V/S required FICO 660. 2. No mortgage lates within last 12- months. 3. Borrower is an experienced investor. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: 25.27<br> Guideline Requirement: 2.00 | XXXX | Reviewer Comment (2025-06-17): Waived with compensating factors per lender exception approval at origination. |  |  | XX/XX/XXXX 11:34:10 AM | 2 B | XX | CA | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| XX | 224082389 | XX | XX |  | 34474510 | 12025040706-3831 | XX/XX/XXXX 6:46:58 PM | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The file is missing the fully executed Corporate Resolution from all owners of the business entity and sub-entities to confirm the guarantor has sufficient signing authority. |  |  |  | Reviewer Comment (2025-06-23): Cleared with updated Operating Agreement.<br>Buyer Comment (2025-06-20): signed operating agreement<br>Reviewer Comment (2025-06-19): Not signed by all parties.<br>Buyer Comment (2025-06-18): operating agreement reports Bwr has signing authority<br>Buyer Comment (2025-06-18): operating agreement | 06/23/2025 |  |  | 1 C A | XX | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| XX | 224082389 | XX | XX |  | 34474511 | 12025040706-4513 | XX/XX/XXXX 6:46:58 PM | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Provide Articles of Organization for the borrowing entity. |  |  |  | Reviewer Comment (2025-06-23): clear<br>Buyer Comment (2025-06-20): XX<br>Buyer Comment (2025-06-20): XX<br>Buyer Comment (2025-06-20): XX<br>Buyer Comment (2025-06-20): XX<br>Buyer Comment (2025-06-20): XX | 06/23/2025 |  |  | 1 C A | XX | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| XX | 224082389 | XX | XX |  | 34474512 | 12025040706-5380 | XX/XX/XXXX 6:46:58 PM | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Provide most recent amendment to the Operating Agreement for the borrowing entity. |  |  |  | Reviewer Comment (2025-06-23): clear<br>Buyer Comment (2025-06-20): see attached operating agreement<br>Reviewer Comment (2025-06-19): Not signed by all parties.<br>Buyer Comment (2025-06-18): see attached operating agreement | 06/23/2025 |  |  | 1 C A | XX | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| XX | 224082389 | XX | XX |  | 34474513 | 12025040706-6459 | XX/XX/XXXX 6:46:58 PM | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: XX |  |  |  |  | Reviewer Comment (2025-06-19): clear<br>Buyer Comment (2025-06-18): Fraud | 06/19/2025 |  |  | 1 C A | XX | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| XX | 224082390 | XX | XX |  | 34474515 | 12025040728-27835 | XX/XX/XXXX 6:46:58 PM | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note Date: 06/XX/2025; Lien Position: 1 | Secondary Valuation is not required. |  |  |  | Reviewer Comment (2025-06-24): clear<br>Buyer Comment (2025-06-24): CDA | 06/24/2025 |  |  | 1 D A | XX | FL | Investment | Refinance - Rate/Term | D A C |  | N/A | No |
| XX | 224082390 | XX | XX |  | 34474516 | 12025040728-4513 | XX/XX/XXXX 6:46:58 PM | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Required for borrowing entity. |  |  |  | Reviewer Comment (2025-06-24): clear.<br>Reviewer Comment (2025-06-23): Need actual Articles of Organization.<br>Buyer Comment (2025-06-20): XX<br>Buyer Comment (2025-06-20): XX<br>Buyer Comment (2025-06-20): XX<br>Buyer Comment (2025-06-20): XX<br>Buyer Comment (2025-06-20): XX | 06/24/2025 |  |  | 1 C A | XX | FL | Investment | Refinance - Rate/Term | D A C |  | N/A | No |
| XX | 224082390 | XX | XX |  | 34474517 | 12025040728-3831 | XX/XX/XXXX 6:46:58 PM | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The file is missing the fully executed Corporate Resolution from all owners of the business entity and sub-entities to confirm the guarantor has sufficient signing authority. |  |  |  | Reviewer Comment (2025-06-23): cleared with Operating Agreement.<br>Buyer Comment (2025-06-20): operating agreement<br>Reviewer Comment (2025-06-19): Not signed by all owners.<br>Buyer Comment (2025-06-18): Borrower has signing authority<br>Buyer Comment (2025-06-18): amended operating agreement | 06/23/2025 |  |  | 1 C A | XX | FL | Investment | Refinance - Rate/Term | D A C |  | N/A | No |
| XX | 224082390 | XX | XX |  | 34474518 | 12025040728-5380 | XX/XX/XXXX 6:46:58 PM | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Provide the Amended Operating Agreement for the borrowing entity dated 05/XX/2025. |  |  |  | Reviewer Comment (2025-06-23): clear<br>Buyer Comment (2025-06-20): see attached<br>Reviewer Comment (2025-06-19): Not signed by all parties.<br>Buyer Comment (2025-06-18): see attached operating agreement | 06/23/2025 |  |  | 1 C A | XX | FL | Investment | Refinance - Rate/Term | D A C |  | N/A | No |
| XX | 224082390 | XX | XX |  | 34474519 | 12025040728-6459 | XX/XX/XXXX 6:46:58 PM | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: XX |  |  |  |  | Reviewer Comment (2025-06-19): clear<br>Buyer Comment (2025-06-18): fraud | 06/19/2025 |  |  | 1 C A | XX | FL | Investment | Refinance - Rate/Term | D A C |  | N/A | No |
| XX | 224082418 | XX | XX |  | 34474570 | 12025051074-4747 | 06/19/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | The settlement statement provided disclosed it is an estimate. Please provide final signed/stamped settlement statement. |  |  |  | Reviewer Comment (2025-06-27): clear<br>Buyer Comment (2025-06-25): Please see attached Final SS | 06/27/2025 |  |  | 1 D A | XX | CA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XX | 224082419 | XX | XX |  | 34474574 | 12025042594-23931 | 06/19/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  |  |  | Reviewer Comment (2025-07-16): clear | 07/16/2025 |  |  | 1 A | XX | TN | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XX | 224082419 | XX | XX |  | 34474575 | 12025042594-32066 | 06/19/2025 | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: Commitment <br> State: TN | The commitment title report in file did not disclose the amount of title insurance coverage. Require a copy of the final title policy or an addendum to the commitment report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2025-07-16): Clear<br>Buyer Comment (2025-07-14): title | 07/16/2025 |  |  | 1 C A | XX | TN | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XX | 224082419 | XX | XX |  | 34474576 | 12025042594-4264 | 06/19/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 1.47 is less than Guideline PITIA months reserves of 2.00. |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Guidelines Representative FICO: 660<br> Representative FICO: 736<br>The DSCR of 1.45 is greater than the minimum required DSCR of 1.00. | Originator,XXXX<br>Originator | Reviewer Comment (2025-07-14): Waived with compensating factors per post-consummation lender approved exception.<br>Buyer Comment (2025-07-10): exception |  |  | 07/14/2025 | 2 C B | XX | TN | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XX | 224082419 | XX | XX |  | 34474577 | 12025042594-3831 | 06/19/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Resolution document giving the Guarantor sole member interest in the LLC must be signed by both members from the original Operating Agreement. |  |  |  | Reviewer Comment (2025-06-25): clear<br>Buyer Comment (2025-06-23): interest assignment | 06/25/2025 |  |  | 1 C A | XX | TN | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XX | 224082440 | XX | XX |  | 34474615 | 12025042763-25749 | 06/24/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Missing final HUD-1 or Closing Disclosure. |  |  |  | Reviewer Comment (2025-06-30): clear<br>Buyer Comment (2025-06-26): Final | 06/30/2025 |  |  | 1 C A | XX | AZ | Investment | Purchase | C A |  | N/A | No |
| XX | 224082448 | XX | XX |  | 34474629 | 12025042347-5380 | 06/25/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement is Missing in loan file. |  |  |  | Reviewer Comment (2025-07-07): clear<br>Buyer Comment (2025-07-02): Operating agreement attached. | 07/07/2025 |  |  | 1 C A | XX | VA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XX | 224082448 | XX | XX |  | 34474630 | 12025042347-2905 | 06/25/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided |  | Verification of Identification is Missing |  |  |  | Reviewer Comment (2025-07-07): clear<br>Buyer Comment (2025-07-02): Please find valid driver's license. Thank you. | 07/07/2025 |  |  | 1 C A | XX | VA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XX | 224082457 | XX | XX |  | 34474643 | 12025050581-23387 | 06/26/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood cert shows subject city as XXX and the note reflects XXX. |  |  |  | Reviewer Comment (2025-06-30): Corrected flood certificate received.<br>Buyer Comment (2025-06-27): Please find flood cert with correct city matching Note attached. | 06/30/2025 |  |  | 1 C A | XX | TX | Investment | Purchase | C B A |  | N/A | No |
| XX | 224082457 | XX | XX |  | 34474644 | 12025050581-23385 | 06/26/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report Date: 05/XX/2025 | Appraisal shows subject city as XX and the note reflects XX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | XXXX<br>XXXX<br>XXXX | Reviewer Comment (2025-07-15): Waived with compensating factors per lender request.<br>Buyer Comment (2025-07-11): Please waive. |  |  | 07/15/2025 | 2 C B | XX | TX | Investment | Purchase | C B A |  | N/A | No |
| XX | 224082457 | XX | XX |  | 34474645 | 12025050581-3831 | 06/26/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide OFAC for the borrowing entity. |  |  |  | Reviewer Comment (2025-06-30): OFAC received<br>Buyer Comment (2025-06-27): Clear ofac attached. Thank you. | 06/30/2025 |  |  | 1 C A | XX | TX | Investment | Purchase | C B A |  | N/A | No |
| XX | 224082457 | XX | XX |  | 34474646 | 12025050581-4507 | 06/26/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Provide a current Certificate of Good Standing. |  |  |  | Reviewer Comment (2025-06-30): Received COGS in trailing docs.<br>Buyer Comment (2025-06-27): Please accept in place of cert of good standing as document confirms the same information. Thank you. | 06/30/2025 |  |  | 1 C A | XX | TX | Investment | Purchase | C B A |  | N/A | No |
| XX | 224082467 | XX | XX |  | 34474663 | 12025050653-25749 | 06/27/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Final HUD/CD is Missing in loan file. |  |  |  | Reviewer Comment (2025-07-10): Received<br>Buyer Comment (2025-07-08): Please see attached Final SS | 07/10/2025 |  |  | 1 C A | XX | GA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XX | 224082467 | XX | XX |  | 34474664 | 12025050653-3831 | 06/27/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Flood Certificate is Missing in loan file. |  |  |  | Reviewer Comment (2025-07-10): Received<br>Buyer Comment (2025-07-08): See flood cert attached. Thank you. | 07/10/2025 |  |  | 1 C A | XX | GA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XX | 224082467 | XX | XX |  | 34474666 | 12025050653-3831 | 06/27/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower lived rent-free with someone other than spouse (mother) until July, 2024. |  |  |  | Reviewer Comment (2025-07-14): Updated 1008 received in trailing docs, reflecting UW discretion for allowing borrower to live rent free with someone other than a spouse.<br>Buyer Comment (2025-07-10): Please find Underwriters 1008 with rent free commentary no loe required per guidelines. | 07/14/2025 |  |  | 1 C A | XX | GA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XX | 224082467 | XX | XX |  | 34474667 | 12025050653-5205 | 06/27/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Provide OFAC for the borrowing entity. |  |  |  | Reviewer Comment (2025-07-10): OFAC received<br>Buyer Comment (2025-07-08): Please find clear ofac attached. Thank you. | 07/10/2025 |  |  | 1 C A | XX | GA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XX | 224082482 | XX | XX |  | 34474686 | 12025051123-4061 | 07/02/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  | Section 4A of the Certification of Non-Owner Occupancy was not completed. |  |  |  | Reviewer Comment (2025-07-11): Received fully completed NOO Certificate<br>Buyer Comment (2025-07-09): Non-Owner | 07/11/2025 |  |  | 1 C A | XX | FL | Investment | Purchase | C A |  | N/A | No |
| XX | 224082485 | XX | XX |  | 34474690 | 12025051827-27012 | 07/03/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.68 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Calculated DSCR of 0.68 does not meet the guidelines requirement of 1. |  |  |  | Reviewer Comment (2025-07-11): Received asset depletion worksheet in trailing docs, reflecting assets used in calculation of DSCR. DSCR meets guidelines.<br>Buyer Comment (2025-07-09): 07/09-Please see attached Asset Utilization Calculator | 07/11/2025 |  |  | 1 C A | XX | CA | Investment | Purchase | D A |  | N/A | No |
| XX | 224082485 | XX | XX |  | 34474691 | 12025051827-2919 | 07/03/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The Asset Utilization Calculator is not legible. |  |  |  | Reviewer Comment (2025-07-11): Received asset calculator in trailing docs<br>Buyer Comment (2025-07-09): 07/09-Please see attached Asset Utilization Calculator | 07/11/2025 |  |  | 1 C A D | XX | CA | Investment | Purchase | D A |  | N/A | No |
| XX | 224082485 | XX | XX |  | 34474692 | 12025051827-25749 | 07/03/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Estimated copy provided. |  |  |  | Reviewer Comment (2025-07-11): Received final closing statement<br>Buyer Comment (2025-07-09): 07/09-Please see attached FSS | 07/11/2025 |  |  | 1 C A | XX | CA | Investment | Purchase | D A |  | N/A | No |
| XX | 224082486 | XX | XX |  | 34474694 | 12025050368-27012 | 07/07/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.94 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Lender utilized rent of $4,800 and PITIA of $4,505 to calculate DSCR. Comparable Rent schedule indicates market rent of $4,500 and PITIA includes an HOA fee of $258 per month. DSCR Calculation: Rent of $4,500 / PITIA of $4,763 = .9447%. |  |  |  | Reviewer Comment (2025-07-11): Received asset depletion worksheet in trailing docs. Worksheet indicates $19,000 was used; however, after funds to close + 2 months reserves, only $17,092.22 is available. Recalculated DSCR of 1.00 meets guidelines.<br>Buyer Comment (2025-07-09): DSCR calc | 07/11/2025 |  |  | 1 C A | XX | FL | Investment | Purchase | C A |  | N/A | No |
| XX | 224082492 | XX | XX |  | 34474703 | 12025042738-3831 | 07/11/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per LOE in file, borrower is living rent free with someone other than a spouse, which is not permitted per guidelines. |  |  |  | Reviewer Comment (2025-07-16): Cleared with comment on 1008 per lender credit memo.<br>Buyer Comment (2025-07-14): 1008 | 07/16/2025 |  |  | 1 C A | XX | MD | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XX | 224082496 | XX | XX |  | 34474711 | 12025060910-27835 | 08/04/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note Date: 07/XX/2025; Lien Position: 1 | Secondary Valuation missing in Loan File. |  |  |  | Reviewer Comment (2025-08-07): Cleared with UCDP.<br>Buyer Comment (2025-08-05): SSR | 08/07/2025 |  |  | 1 D A | XX | TX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XX | 224082497 | XX | XX |  | 34474714 | 12025061963-6459 | 08/04/2025 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: XX | There are red flags on the fraud report that have not been addressed. |  |  |  | Reviewer Comment (2025-08-07): Cleared with alert summary.<br>Buyer Comment (2025-08-05): Please find final clear fraud guard attached. Thank you. | 08/07/2025 |  |  | 1 C A | XX | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XX | 224082498 | XX | XX |  | 34474716 | 12025070488-5205 | 08/04/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Missing OFAC for business entity. |  |  |  | Reviewer Comment (2025-08-07): Cleared with Fraud Report.<br>Buyer Comment (2025-08-05): Fraud | 08/07/2025 |  |  | 1 C A | XX | NC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XX | 224082515 | XX | XX |  | 34474789 | 12025050268-27835 | 06/13/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note Date: 05/XX/2025; Lien Position: 1 |  |  |  |  | Reviewer Comment (2025-06-26): clear<br>Buyer Comment (2025-06-24): Lender accepts. Please waive with available compensating factors<br>Reviewer Comment (2025-06-23): Cannot clear with a post dated CDA.<br>Buyer Comment (2025-06-20): CDA | 06/26/2025 |  |  | 1 D A | XX | FL | Primary | Refinance - Cash-out - Other | D B A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082515 | XX | XX |  | 34474793 | 12025050268-4266 | 06/13/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. | HUD-1 total cash-out of $1,422,675.27 is greater than Guideline total cash-out of $1,000,000.00. | Lender approved exception at origination to allow cash out exceeding $1,000,000. Compensating Factors noted: Borrower's credit score is at least 40 points > min 680 with a 12+ year clean mortgage history; Length of employment borrower is self-employed owner of for 13 years and in same profession for 30 years; Residual income > $20,000; DTI is at least 10 percentage points < max 50%; Reserves from borrower's own funds of at least 12 months. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Documentation Type: 12mo Bank Statement<br> Disposable Income: $23,840.22<br>Reserves: 134.33<br> Guideline Requirement: 9.00<br>DTI: 39.56744% <br> Guideline Maximum DTI: 50.00000%<br>Guidelines Representative FICO: 700<br> Representative FICO: 791 | XXXX<br>XXXX<br>XXXX<br>XXXX | Reviewer Comment (2025-06-12): Waived with compensating factors per lender exception approval at origination. |  |  | 06/12/2025 | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | D B A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082516 | XX | XX |  | 34474796 | 12025050628-29639 | 06/13/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The file did not contain evidence that borrower has been self-employed for more than two years. Provide evidence of employment in same line of work prior to becoming self employed. |  |  |  | Reviewer Comment (2025-07-01): clear<br>Buyer Comment (2025-06-30): VVOE | 07/01/2025 |  |  | 1 C A | XX | CA | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082516 | XX | XX |  | 34474797 | 12025050628-3831 | 06/13/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrowers lived rent-free for 6 months with someone other than spouse. |  |  |  | Reviewer Comment (2025-07-07): Per credit memo in file clarifying the guideline for living rent free. UW comment provided on 1008.<br>Buyer Comment (2025-07-02): 1008<br>Reviewer Comment (2025-06-19): What was the reason for the discretion.<br>Buyer Comment (2025-06-17): revised 1008 | 07/07/2025 |  |  | 1 C A | XX | CA | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082516 | XX | XX |  | 34474798 | 12025050628-3831 | 06/13/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide evidence that the CPA has no affiliation with the borrower or the business. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Documentation Type: 12mo Bank Statement<br> Disposable Income: $12,571.91<br>Reserves: 17.73<br> Guideline Requirement: 3.00<br>DTI: 21.75941% <br> Guideline Maximum DTI: 45.00000% | XXXX<br>Originator,XXXX<br>Originator,XXXX | Reviewer Comment (2025-07-01): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2025-06-30): exception |  |  | 07/01/2025 | 2 C B | XX | CA | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082521 | XX | XX |  | 34474816 | 12025021593-6583 | XX/XX/XXXX 6:46:58 PM | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,200.00 exceeds tolerance of $1,050.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (2025-06-11): Sufficient Cure Provided At Closing |  | 06/11/2025 |  | 1 A | XX | CO | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082523 | XX | XX |  | 34474822 | 12025030208-2666 | XX/XX/XXXX 6:46:58 PM | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2025, prior to three (3) business days from transaction date of 06/XX/2025. |  |  |  |  | Reviewer Comment (2025-06-25): Certified final settlement statement received in trailing docs.<br>Buyer Comment (2025-06-23): Please find attached HUD-1. | 06/25/2025 |  |  | 1 C A | XX | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Exempt from ATR | Exempt from ATR | No |
| XX | 224082523 | XX | XX |  | 34474824 | 12025030208-6582 | 06/25/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,645.00 exceeds tolerance of $1,340.00 plus 10% or $1,474.00. Sufficient or excess cure was provided to the borrower at Closing. (0) | Ten percent fee tolerance exceeded; however, sufficient cure provided at closing. |  |  |  | Reviewer Comment (2025-06-25): Sufficient Cure Provided At Closing |  | 06/25/2025 |  | 1 A | XX | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082524 | XX | XX |  | 34474827 | 12025041249-6582 | 06/18/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,130.00 exceeds tolerance of $40.00 plus 10% or $44.00. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (2025-06-12): Sufficient Cure Provided At Closing |  | 06/12/2025 |  | 1 A | XX | SC | Primary | Purchase | Final CD evidences Cure A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082672 | XX | XX |  | 34474849 | 12025042764-23688 | 06/19/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The Hazard Insurance Policy reflects the coverage amount as $XX. The file does not contain a replacement cost estimator and the policy does not reflect 100% Replacement Cost Coverage. The note amount is $XX The Appraisal Report reflects the Estimated Cost New as $XX. There is a coverage shortfall of $XX. |  |  |  | Reviewer Comment (2025-07-17): HOI policy received reflecting 100% replacement cost.<br>Buyer Comment (2025-07-15): Please find hoi policy with 100% replacement. Thank you.<br>Reviewer Comment (2025-07-11): Received same HOI as in original file. The policy does not indicate it covers 100% replacement cost, nor does it cover the lower of the loan amount or estimated cost new. Increased coverage or an RCE will be required for review of this condition.<br>Buyer Comment (2025-07-09): Please find attached hoi policy. Thank you. | 07/17/2025 |  |  | 1 C A | XX | CA | Primary | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082672 | XX | XX |  | 34474850 | 12025042764-30673 | 06/19/2025 | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal |  | The Appraisal report effective date is 05/XX/2025. The CDA effective date is 03/XX/2025 and shows a different Appraiser than the Appraiser on the Appraisal report in the file. |  |  |  | Reviewer Comment (2025-07-17): Correct CDA received in trailing docs.<br>Buyer Comment (2025-07-15): Clear CDA attached. Thank you. | 07/17/2025 |  |  | 1 C A | XX | CA | Primary | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082672 | XX | XX |  | 34474852 | 12025042764-2839 | 06/19/2025 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | The gift letter for $120,000 provided in the file is not legible. |  |  |  | Reviewer Comment (2025-07-07): clear<br>Buyer Comment (2025-07-02): Please see clear gift letter attached. Thank you. | 07/07/2025 |  |  | 1 C A | XX | CA | Primary | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082672 | XX | XX |  | 34474853 | 12025042764-28640 | 06/19/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | The borrower received a gift of $120,000 that was provided directly to the closing agent per the Closing Disclosure. The guidelines require documentation to verify the donor gave the closing agent the gift funds in the form of a certified check, a cashier's check, or other official check (e.g., wire confirmation), which was not provided in the file. |  |  |  | Reviewer Comment (2025-07-15): Received wire transfer and deposit receipt in trailing docs<br>Buyer Comment (2025-07-11): Please see attached proof of gift wire & title co. receipt. | 07/15/2025 |  |  | 1 C A | XX | CA | Primary | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082672 | XX | XX |  | 34474854 | 12025042764-4961 | 06/19/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | There are two mortgages associated with the subject property in the amounts of $XX and $XX. The file does not contain the payment history for neither of the mortgages. |  |  |  | Reviewer Comment (2025-07-17): Per client, they are accepting a 1x30 housing payment history.<br>Buyer Comment (2025-07-15): Please clear as per XXXX guidelines permits a 1x30 day late. Thank you.<br>Buyer Comment (2025-07-15): Please clear as per guidelines a 1x30 day is allowed. See attached. Thank you!<br>Reviewer Comment (2025-07-15): The mortggages on the subject property were paid through our closing per the final CD provided, which did not occur until 6/5/2025, with a disbursement date of 6/10/2025. Evidence of the 5/2025 mortgage payment will be required for review of this condition, as the payment would be considered 30 days late on 5/30/2025.<br>Buyer Comment (2025-07-11): The payment in question is not relevant as the loan was paid off PRIOR to the 31st of the month of May. All per diem and fees that needed to be paid where paid. The loan was NOT 30 days late. Please clear. THANK YOU.<br>Reviewer Comment (2025-07-11): Received evidence of first payment; however, statement provided reflects a payment will be due on 5/1/2025 and our subject loan closed on 6/5/2025. Please provide evidence of 5/1/2025 payment.<br>Buyer Comment (2025-07-09): Please see property report attached confirming all mtg's paid off<br>Buyer Comment (2025-07-09): Please see pg #25 of the fraud guard that confirms property just purchase in 3/2025 with the 2nd mtg for $200k being paid off PRIOR to closing on the subject. Also attached find confirmation of the (1) payment made to Red Tower Capital for $13,416.67. Thank you. | 07/17/2025 |  |  | 1 C A | XX | CA | Primary | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082673 | XX | XX |  | 34474857 | 12025051937-3831 | 06/19/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception at origination to allow the borrower living rent free with other than spouse. Compensating Factors notes: FICO 40+ points over minimum required score for the LTV requested; Residual income over $3000. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least $2500.00. | Reserves: 16.53<br> Guideline Requirement: 3.00<br>Guidelines Representative FICO: 680<br> Representative FICO: 777<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: $7,854.01 | XXXX<br>XXXX<br>XXXX | Reviewer Comment (2025-06-19): Waived with compensating factors per lender exception approval at origination. |  |  | 06/19/2025 | 2 B | XX | TX | Primary | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082675 | XX | XX |  | 34474861 | 12025050273-3831 | 06/24/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide evidence that the CPA has no affiliation with the borrower or the business. |  |  |  | Reviewer Comment (2025-06-27): clear<br>Buyer Comment (2025-06-25): Please find CPA letter attached. Thank you. | 06/27/2025 |  |  | 1 C A | XX | FL | Investment | Refinance - Rate/Term | C A | Exempt from ATR | N/A | No |
| XX | 224082678 | XX | XX |  | 34474868 | 12025042648-3831 | 06/23/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for all 3 borrowers (related to each other) living rent-free with another family member in the same home since 12/2023 for Borrower 1, 07/2021 for Borrower 2, and 12/2019 for Borrower 3. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Documentation Type: 12mo Bank Statement<br> Disposable Income: $29,954.12<br>Reserves: 20.70<br> Guideline Requirement: 3.00<br>DTI: 30.54613% <br> Guideline Maximum DTI: 50.00000%<br>Guidelines Representative FICO: 680<br> Representative FICO: 769 | XXXX<br>XXXX<br>XXXX<br>XXXX | Reviewer Comment (2025-06-23): Waived with compensating factors per lender exception approval at origination. |  |  | 06/23/2025 | 2 B | XX | IN | Primary | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082679 | XX | XX |  | 34474871 | 12025051469-3831 | 06/23/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for borrower living rent free with someone other than spouse (Cousin) since 08/XX/2024. |  |  |  | Reviewer Comment (2025-07-11): Updated 1008 received in trailing docs, detailing UW discretion for not requiring an exception to borrower living rent free with someone other than a spouse. UW discretion used FICO score and reserves<br>Buyer Comment (2025-07-09): Please find final underwriter 1008 - with comments confirming no rent free loe required. Thank you. | 07/11/2025 |  |  | 1 C A | XX | FL | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082680 | XX | XX |  | 34474873 | 12025042705-3831 | 06/23/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for one of two units in the subject being less than 400 square feet. Unit 1 is XXX square feet but has a full kitchen and separate bedroom. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Documentation Type: 12mo Bank Statement<br> Disposable Income: $51,109.58<br>Reserves: 55.25<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 680<br> Representative FICO: 753 | XXXX<br>XXXX<br>XXXX | Reviewer Comment (2025-06-23): Waived with compensating factors per lender exception approval at origination. |  |  | 06/23/2025 | 2 B | XX | NY | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | N/A | No |
| XX | 224082681 | XX | XX |  | 34474875 | 12025050285-3831 | 06/23/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception was approved to allow verification of primary housing via a private party VOR only. Borrower does not have a lease and pays in cash, and does not have canceled checks or bank statements available. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Documentation Type: 1yr Full Doc<br> Disposable Income: $6,944.13<br>Reserves: 275.06<br> Guideline Requirement: 3.00<br>Guidelines Representative FICO: 680<br> Representative FICO: 782 | Originator,XXXX<br>Originator,XXXX<br>XXXX<br>Originator,XXXX | Reviewer Comment (2025-06-23): Client elects to waive with compensating factors. |  |  | 06/23/2025 | 2 B | XX | SC | Investment | Purchase | B A | Exempt from ATR | N/A | No |
| XX | 224082698 | XX | XX |  | 34474936 | 12025042694-34957 | 06/30/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-192.41. Insufficient or no cure was provided to the borrower. (9300) | Lender Credits Final Lender Credit of $0.00 exceeds tolerance of $-192.41. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-07-11): Upon further review lender credit correctly disclosed to consumer.<br>Buyer Comment (2025-07-09): Please see attached 05.08 Rate Lock<br>Buyer Comment (2025-07-09): Please see attached 05.08 COC & CD | 07/11/2025 |  |  | 1 C A | XX | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082699 | XX | XX |  | 34474939 | 12025051324-27835 | 06/30/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note Date: 06/XX/2025; Lien Position: 1 | Missing a CDA/Desk Review. Provided UCDP in at 2.8 which is above 2.5. Lender exception approving using the UCDP with a 2.8 score for the secondary valuation. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Documentation Type: 12mo Bank Statement<br> Disposable Income: $4,725.15<br>Reserves: 8.37<br> Guideline Requirement: 3.00 | Originator,XXXX<br>Originator,XXXX | Reviewer Comment (2025-07-15): CDA received<br>Reviewer Comment (2025-07-15): Unable to waive property exceptions.<br>Reviewer Comment (2025-07-09): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2025-07-07): exception<br>Buyer Comment (2025-07-07): SSR | 07/15/2025 |  |  | 1 D A | XX | CA | Primary | Purchase | D B A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082699 | XX | XX |  | 34474942 | 12025051324-3831 | 06/30/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for borrower living rent free with parents since birth with Comp Factors Residual income over $3000 and LTV is 10% or more under max allowed. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Documentation Type: 12mo Bank Statement<br> Disposable Income: $4,725.15<br>Reserves: 8.37<br> Guideline Requirement: 3.00 | Originator,XXXX<br>Originator,XXXX | Reviewer Comment (2025-06-30): Waived with compensating factors per lender exception approval at origination. |  |  | 06/30/2025 | 2 B | XX | CA | Primary | Purchase | D B A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082700 | XX | XX |  | 34474943 | 12025052565-23931 | 07/01/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  |  |  | Reviewer Comment (2025-07-07): clear | 07/07/2025 |  |  | 1 A | XX | CA | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | N/A | No |
| XX | 224082700 | XX | XX |  | 34474945 | 12025052565-29639 | 07/01/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The file is missing the verification of employment within (20) business days prior to the Note date. |  |  |  | Reviewer Comment (2025-07-11): Received CPA letter and all REO documents<br>Buyer Comment (2025-07-10): cpa letter | 07/11/2025 |  |  | 1 C A | XX | CA | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | N/A | No |
| XX | 224082700 | XX | XX |  | 34474946 | 12025052565-32065 | 07/01/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-07-07): clear<br>Buyer Comment (2025-07-02): 07/02-Please see attached updated Title Policy | 07/07/2025 |  |  | 1 B A | XX | CA | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | N/A | No |
| XX | 224082700 | XX | XX |  | 34474947 | 12025052565-25838 | 07/01/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XX Insurance Verification, Statement, Tax Verification | XXXX mortgage statement is missing for the XX property. Unable to verify taxes and insurance were escrowed. |  |  |  | Reviewer Comment (2025-07-11): Received evidence of PITIA on all REOs<br>Buyer Comment (2025-07-09): first payment letter | 07/11/2025 |  |  | 1 C A | XX | CA | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | N/A | No |
| XX | 224082700 | XX | XX |  | 34474948 | 12025052565-25838 | 07/01/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XX Statement | XX mortgage statement is missing for the XX property. |  |  |  | Reviewer Comment (2025-07-11): Received first payment letter<br>Buyer Comment (2025-07-09): XX | 07/11/2025 |  |  | 1 C A | XX | CA | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | N/A | No |
| XX | 224082701 | XX | XX |  | 34474951 | 12025032681-6582 | 07/02/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $200.00 exceeds tolerance of $141.00 plus 10% or $155.10. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (2025-06-24): Sufficient Cure Provided At Closing |  | 06/24/2025 |  | 1 A | XX | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082701 | XX | XX |  | 34474952 | 12025032681-2666 | 07/02/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2025, prior to three (3) business days from transaction date of 06/XX/2025. |  |  |  |  | Reviewer Comment (2025-07-08): A certified settlement statement was received with a disbursement date of 6/XX/2025.<br>Buyer Comment (2025-07-03): 07/03-Please see attached FSS reflecting date of disbursement as this is a CA loan | 07/08/2025 |  |  | 1 C A | XX | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Exempt from ATR | Exempt from ATR | No |
| XX | 224082701 | XX | XX |  | 34474953 | 12025032681-3831 | 07/02/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The file is missing the fraud report/OFAC for the Trust. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | XXXX<br>XXXX<br>XXXX<br>XXXX<br>XXXX<br>XXXX | Reviewer Comment (2025-07-14): Waived with compensating factors per lender direction that they are accepting post-consummation dated search.<br>Buyer Comment (2025-07-10): Lender accepts. Please waive with available compensating factors<br>Reviewer Comment (2025-07-10): Document provided is dated 7/8/2025 which is after consummation date of 6/3/2025. Evidence of OFAC/Fraud dated on or before consummation required for review of this condition.<br>Buyer Comment (2025-07-08): revised fraud |  |  | 07/14/2025 | 2 C B | XX | CA | Primary | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082708 | XX | XX |  | 34474983 | 12025051121-29639 | 07/07/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The file is missing verification of employment within 20 business days prior to the Note date. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | XXXX | Reviewer Comment (2025-07-14): Waived with compensating factors per lender request.<br>Buyer Comment (2025-07-10): Lender accepts. Please waive with available compensating factors<br>Reviewer Comment (2025-07-10): Web printout provided is dated 7/8/2025 and SOS search is not dated, to determine they were obtained prior to consummation. Third party verification dated on or before consummation required for review of this condition.<br>Buyer Comment (2025-07-08): business search |  |  | 07/14/2025 | 2 C B | XX | SC | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082708 | XX | XX |  | 34474984 | 12025051121-5404 | 07/07/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XX Third Party Verification | The file is missing verification of employment within 20 business days prior to the Note date. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | XXXX | Reviewer Comment (2025-07-14): Waived with compensating factors per lender request.<br>Buyer Comment (2025-07-10): Lender accepts. Please waive with available compensating factors<br>Reviewer Comment (2025-07-10): Web printout provided is dated 7/8/2025 and SOS search is not dated, to determine they were obtained prior to consummation. Third party verification dated on or before consummation required for review of this condition.<br>Buyer Comment (2025-07-08): VVOE<br>Buyer Comment (2025-07-08): see attached business search |  |  | 07/14/2025 | 2 C B | XX | SC | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082745 | XX | XX |  | 34475011 | 12025041202-2666 | 07/11/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2025, prior to three (3) business days from transaction date of 06/XX/2025. | Subject loan transaction disbursed on 06/XX/2025, prior to three (3) business days from transaction date of 06/XX/2025. |  |  |  | Reviewer Comment (2025-07-16): clear<br>Buyer Comment (2025-07-14): Please see attached SS Disbursement Date. | 07/16/2025 |  |  | 1 C A | XX | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Exempt from ATR | Exempt from ATR | No |
| XX | 224082745 | XX | XX |  | 34475012 | 12025041202-2647 | 07/11/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  | Reviewer Comment (2025-08-06): XXXX received Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form.<br>Buyer Comment (2025-08-04): LOE<br>Buyer Comment (2025-08-04): Please find attached RTC.<br>Reviewer Comment (2025-07-20): Closing statement is unable to be used to clear this condition. The RTC was not signed until 6/21/2025 and the last day to cancel of 6/23/2025 is incorrect. To cure, the following is required: reopen rescission using the correct model form, transaction date to remain the same, and NORTC date should be at least 3 business days after receipt of new RTC, LOE and proof of delivery to borrower also required.<br>Buyer Comment (2025-07-17): Please see attached SS disbursement date. |  | 08/06/2025 |  | 2 C B | XX | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Exempt from ATR | Exempt from ATR | No |
| XX | 224082746 | XX | XX |  | 34475016 | 12025052575-29639 | 07/11/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Lease Agreements are missing for REO properties (XX). |  |  |  | Reviewer Comment (2025-07-16): clear<br>Buyer Comment (2025-07-15): XXXX lease<br>Buyer Comment (2025-07-15): XXXX lease<br>Buyer Comment (2025-07-15): XXXX | 07/16/2025 |  |  | 1 C A | XX | CA | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | N/A | No |
| XX | 224082746 | XX | XX |  | 34475018 | 12025052575-6459 | 07/11/2025 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: XX | There are red flags on the fraud report that were not addressed. |  |  |  | Reviewer Comment (2025-07-16): clear<br>Buyer Comment (2025-07-14): fraud | 07/16/2025 |  |  | 1 C A | XX | CA | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | N/A | No |
| XX | 224082746 | XX | XX |  | 34475019 | 12025052575-3831 | 07/11/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide a final HUD/Closing Statement that is signed by the borrower or stamped true and certified by settlement agent. Copy provided in file is an estimate. |  |  |  | Reviewer Comment (2025-07-16): clear<br>Buyer Comment (2025-07-14): Final SS | 07/16/2025 |  |  | 1 C A | XX | CA | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | N/A | No |
| XX | 224082747 | XX | XX |  | 34475021 | 12025052354-33616 | 07/11/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  |  | Reviewer Comment (2025-07-16): Received<br>Buyer Comment (2025-07-12): 07/12-E Sign | 07/16/2025 |  |  | 1 C A | XX | WA | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082747 | XX | XX |  | 34475022 | 12025052354-25838 | 07/11/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XX Tax Verification |  |  |  |  | Reviewer Comment (2025-07-16): Received tax verification<br>Buyer Comment (2025-07-14): tax cert | 07/16/2025 |  |  | 1 C A | XX | WA | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082747 | XX | XX |  | 34475025 | 12025052354-3988 | 07/11/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 06/XX/2025 not received by borrower at least four (4) business days prior to closing. (Interim/XX/11/2025) | Revised Loan Estimate provided on 06/XX/2025 not received by borrower at least four business days prior to closing. |  |  |  | Reviewer Comment (2025-07-17): XXXX received proof of earlier electronic receipt.<br>Buyer Comment (2025-07-16): Document provided states issued and received date of 06/11<br>Reviewer Comment (2025-07-16): XXXX received Tracking. Please provide documentation of receipt if available. Since the LE dated 6/11/2025 is missing receipt date.<br>Buyer Comment (2025-07-15): 07/15-Please see attached proof of receipt | 07/17/2025 |  |  | 1 C A | XX | WA | Primary | Purchase | No Defined Cure A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082750 | XX | XX |  | 34475033 | 12025060334-6668 | 07/18/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | Desk Review is missing |  |  |  | Reviewer Comment (2025-08-01): Cleared with CDA<br>Buyer Comment (2025-07-30): see attached CDA | 08/01/2025 |  |  | 1 C A | XX | AZ | Primary | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082750 | XX | XX |  | 34475035 | 12025060334-27835 | 07/18/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note Date: 07/XX/2025; Lien Position: 1 | secondary valuation is missing |  |  |  | Reviewer Comment (2025-08-01): Cleared with CDA<br>Buyer Comment (2025-07-30): CDA | 08/01/2025 |  |  | 1 D A | XX | AZ | Primary | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082750 | XX | XX |  | 34475036 | 12025060334-34957 | 07/18/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-288.00. Insufficient or no cure was provided to the borrower. (9300) | :Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-288.00. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-07-22): XXXX received valid COC dated 06/26/2025<br>Buyer Comment (2025-07-21): Please see attached COC. | 07/22/2025 |  |  | 1 C A | XX | AZ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082750 | XX | XX |  | 34475038 | 12025060334-6542 | 07/18/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $287.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | COC provided on 06/XX/2025 for amount changed in discount point is 4 days prior of provided closing disclosure |  |  |  | Reviewer Comment (2025-07-22): XXXX received valid COC dated 06/26/2025<br>Buyer Comment (2025-07-21): Please see attached COC. | 07/22/2025 |  |  | 1 C A | XX | AZ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082750 | XX | XX |  | 34475039 | 12025060334-3831 | 07/18/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for Borrower living rent-free with someone other than spouse (mother). | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least $2500.00. | Reserves: 55.99<br> Guideline Requirement: 3.00<br>Guidelines Representative FICO: 680<br> Representative FICO: 798<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: $2,888.79 | XXXX<br>XXXX<br>XXXX | Reviewer Comment (2025-07-18): Waived with compensating factors per lender exception approval at origination. |  |  | 07/18/2025 | 2 B | XX | AZ | Primary | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082750 | XX | XX |  | 34475041 | 12025060334-29639 | 07/18/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing 2 months of receipt of the Social Security income per guidelines. |  |  |  | Reviewer Comment (2025-08-06): cleared with bank statements.<br>Buyer Comment (2025-08-05): ssa DEPOSIT<br>Buyer Comment (2025-08-05): SSA<br>Buyer Comment (2025-08-04): SSA deposits | 08/06/2025 |  |  | 1 C A | XX | AZ | Primary | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082750 | XX | XX |  | 34475042 | 12025060334-5404 | 07/18/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XX Account Statements | Missing 2 months of receipt of the Social Security income per guidelines. |  |  |  | Reviewer Comment (2025-08-06): Cleared with bank statements.<br>Buyer Comment (2025-08-04): see attached SSA deposits | 08/06/2025 |  |  | 1 C A | XX | AZ | Primary | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| XX | 224082752 | XX | XX |  | 34475046 | 12025041831-2798 | 07/24/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Please provide a signed copy of the final 1003. |  |  |  | Reviewer Comment (2025-08-04): Signed final 1003 received<br>Buyer Comment (2025-07-31): Please see attached the signed Final 1003 | 08/04/2025 |  |  | 1 C A | XX | FL | Primary | Refinance - Rate/Term | C A | Exempt from ATR | Exempt from ATR | No |
| XX | 224310647 | XX | XX |  | 34813440 | 32025051643-6572 | 06/27/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/25/2025) |  |  |  |  | Reviewer Comment (2025-07-23): Received appraisal delivery<br>Buyer Comment (2025-07-21): Appraisal Acknowledgement dated 06/05/2025<br>Reviewer Comment (2025-07-16): We will need additional document for the CDA. It was not completed until 06/03/2025.<br>Buyer Comment (2025-07-14): Appraisal Acknowledgement dated 05/30/2025<br>Reviewer Comment (2025-07-09): Document 922 does not verify the appraisal was provided.<br>Buyer Comment (2025-07-08): Page 922 of 1331, D1660, is Acknowledgement of Appraisal Report.<br>Reviewer Comment (2025-07-07): Unable to locate any document showing if/when the appraisal was provided to the borrower.<br>Buyer Comment (2025-07-02): disclosure initially missed to upload.<br>Buyer Comment (2025-07-02): During the initial upload of the loan, we missed uploading this small package, please review to clear condition. | 07/23/2025 |  |  | 1 B A | XX | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| XX | 224310647 | XX | XX |  | 34813441 | 32025051643-7087 | 06/27/2025 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  | Reviewer Comment (2025-07-07): Clear<br>Buyer Comment (2025-07-02): IEAD, uploaded | 07/07/2025 |  |  | 1 B A | XX | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| XX | 224310647 | XX | XX |  | 34813443 | 32025051643-34632 | 06/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 06/XX/2025 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2824157) | The final Closing Disclosure reflects current property taxes of $1,795.67 per month was used to qualify the loan. However, the property is a purchase in California and the tax certificate in the file reflects the tax rate as 1.151691%; therefore, using the purchase price of $2,225,000, the property taxes would be $2,135.43 per month. |  |  |  | Reviewer Comment (2025-07-09): Cleared with initial escrow account disclosure.<br>Reviewer Comment (2025-07-09): Cleared in error.<br>Reviewer Comment (2025-07-07): Clear | 07/09/2025 |  |  | 1 C A | XX | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | Non QM | Non QM | No |
| XX | 224310647 | XX | XX |  | 34813444 | 32025051643-34665 | 06/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 06/XX/2025 disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. (Final/XX/05/2025) | The final Closing Disclosure reflects current property taxes of $1,795.67 per month was used to qualify the loan. However, the property is a purchase in California and the tax certificate in the file reflects the tax rate as 1.151691%; therefore, using the purchase price of $2,225,000, the property taxes would be $2,135.43 per month. |  |  |  | Reviewer Comment (2025-07-09): Cleared with initial escrow account disclosure.<br>Reviewer Comment (2025-07-09): Cleared in error.<br>Reviewer Comment (2025-07-07): Clear | 07/09/2025 |  |  | 1 C A | XX | CA | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD B A | Non QM | Non QM | No |
| XX | 224310647 | XX | XX |  | 34813445 | 32025051643-29639 | 06/27/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The file is missing evidence of insurance for five of the investment properties. |  |  |  | Reviewer Comment (2025-07-09): Per letter of explanation from the borrower, the properties listed in the exception do not have HOI policies and are all owned free and clear. The Note in the file is signed by someone other than the borrowers. Fraud report shows no loans on the 5 properties.<br>Buyer Comment (2025-07-07): The Notes in the file are all from 2022 and before and are for a different borrower. The properties were deeded to the current borrower and per the Driving Score Results are owned free and clear.<br>Reviewer Comment (2025-07-07): A Note was provided for each property reflecting a recent lien on each of the properties listed.<br>Buyer Comment (2025-07-03): Per the Driving Scoring Results, page 330 of 1331, D0283, all 5 properties are owned free and clear, not requiring insurance. If this is not sufficient, please provide document names that indicate outstanding mortgages for the 5 properties | 07/09/2025 |  |  | 1 C A | XX | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| XX | 224310647 | XX | XX |  | 34813446 | 32025051643-25029 | 06/27/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The file is missing evidence of insurance on five investment properties. |  |  |  | Reviewer Comment (2025-07-09): Cleared.<br>Buyer Comment (2025-07-07): The Notes in the file are all from 2022 and before and are for a different borrower. The properties were deeded to the current borrower and per the Driving Score Results are owned free and clear.<br>Reviewer Comment (2025-07-07): A Note was provided for each property reflecting a recent lien on each of the properties listed.<br>Buyer Comment (2025-07-03): Per the Driving Scoring Results, page 330 of 1331, D0283, all 5 properties are owned free and clear, not requiring insurance. If this is not sufficient, please provide document names that indicate outstanding mortgages for the 5 properties | 07/09/2025 |  |  | 1 B A C | XX | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | No |
| XX | 224310647 | XX | XX |  | 34813447 | 32025051643-33058 | 06/27/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | The file is missing evidence of insurance on five investment properties. |  |  |  | Reviewer Comment (2025-07-09): Per letter of explanation from the borrower, the properties listed in the exception do not have HOI policies and are all owned free and clear. The Note in the file is signed by someone other than the borrowers. Fraud report shows no loans on the 5 properties.<br>Buyer Comment (2025-07-07): The Notes in the file are all from 2022 and before and are for a different borrower. The properties were deeded to the current borrower and per the Driving Score Results are owned free and clear.<br>Reviewer Comment (2025-07-07): A Note was provided for each property reflecting a recent lien on each of the properties listed.<br>Buyer Comment (2025-07-03): Per the Driving Scoring Results, page 330 of 1331, D0283, all 5 properties are owned free and clear, not requiring insurance. If this is not sufficient, please provide document names that indicate outstanding mortgages for the 5 properties | 07/09/2025 |  |  | 1 C A | XX | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| XX | 224310647 | XX | XX |  | 34813448 | 32025051643-34957 | 06/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-345.00. Insufficient or no cure was provided to the borrower. (9300) | The Lender Credit decreased from $345.00 on the Loan Estimate dated 05/XX/2025 to $0.00 on the final Closing Disclosure without a valid change of circumstance. |  |  |  | Reviewer Comment (2025-07-11): XXXX received LOX stating about the correction made for lender credit.<br>Buyer Comment (2025-07-10): Timeline of fees and disclosures for TRID exceptions. | 07/11/2025 |  |  | 1 C A | XX | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XX | 224310647 | XX | XX |  | 34813449 | 32025051643-6542 | 06/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $995.00 exceeds tolerance of $650.00. Insufficient or no cure was provided to the borrower. (7506) | The Appraisal fee increased from $650.00 on the Loan Estimate dated 05/XX/2025 to $995.00 on the Loan Estimate dated 05/XX/2025 without a valid change of circumstance. |  |  |  | Reviewer Comment (2025-07-11): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-07-10): Timeline of fees and disclosures for TRID exceptions. | 07/11/2025 |  |  | 1 C A | XX | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XX | 224310647 | XX | XX |  | 34813450 | 32025051643-6542 | 06/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $222.00 exceeds tolerance of $200.00. Insufficient or no cure was provided to the borrower. (7520) | The Credit Report fee increased from $200.00 on the Loan Estimate dated 05/XX/2025 to $222.00 on the Post Closing Disclosure without a valid change of circumstance. |  |  |  | Reviewer Comment (2025-07-17): XXXX received PCCD, closing statement and LOE<br>Buyer Comment (2025-07-16): A letter of Explanation nor a separate check was provided to the borrower as the cure was provided at the time of closing per the Final Closing Statement.<br>Reviewer Comment (2025-07-11): XXXX received Post CD for additional cure of $22. However, we would also require LOX, Copy of refund check and proof of mailing in order to cure the exception.<br>Buyer Comment (2025-07-10): Timeline of fees and disclosures for TRID exceptions. |  | 07/17/2025 |  | 2 C B | XX | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XX | 224310647 | XX | XX |  | 34813451 | 32025051643-25838 | 06/27/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XX, Address: XX, Address: XX, Address: XX, Address: XX Insurance Verification<br> Insurance Verification<br> Insurance Verification<br> Insurance Verification<br> Insurance Verification | There is an LOE for the following properties that there is not insurance for all the properties; however, there are active mortgages on all the properties; therefore, insurance would be required for the properties and was not provided: XX |  |  |  | Reviewer Comment (2025-07-09): Per letter of explanation from the borrower, the properties listed in the exception do not have HOI policies and are all owned free and clear. The Note in the file is signed by someone other than the borrowers. Fraud report shows no loans on the 5 properties.<br>Buyer Comment (2025-07-07): The Notes in the file are all from 2022 and before and are for a different borrower. The properties were deeded to the current borrower and per the Driving Score Results are owned free and clear.<br>Reviewer Comment (2025-07-07): A Note was provided for each property reflecting a recent lien on each of the properties listed.<br>Buyer Comment (2025-07-03): Per the Driving Scoring Results, page 330 of 1331, D0283, all 5 properties are owned free and clear, not requiring insurance. If this is not sufficient, please provide document names that indicate outstanding mortgages for the 5 properties | 07/09/2025 |  |  | 1 C A | XX | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| XX | 224310647 | XX | XX |  | 34813452 | 32025051643-6542 | 06/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $211.15 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75106) | The CDA fee increased from $0.00 on the Initial Loan Estimate to $211.15 on the Initial Closing Disclosure without a valid change of circumstance. |  |  |  | Reviewer Comment (2025-07-11): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-07-10): Timeline of fees and disclosures for TRID exceptions. | 07/11/2025 |  |  | 1 C A | XX | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| XX | 224310647 | XX | XX |  | 34813453 | 32025051643-5695 | 06/27/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The file is missing evidence of insurance for five of the investment properties. |  |  |  | Reviewer Comment (2025-07-09): Per letter of explanation from the borrower, the properties listed in the exception do not have HOI policies and are all owned free and clear. The Note in the file is signed by someone other than the borrowers. Fraud report shows no loans on the 5 properties.<br>Buyer Comment (2025-07-07): The Notes in the file are all from 2022 and before and are for a different borrower. The properties were deeded to the current borrower and per the Driving Score Results are owned free and clear.<br>Reviewer Comment (2025-07-07): A Note was provided for each property reflecting a recent lien on each of the properties listed.<br>Buyer Comment (2025-07-03): Per the Driving Scoring Results, page 330 of 1331, D0283, all 5 properties are owned free and clear, not requiring insurance. If this is not sufficient, please provide document names that indicate outstanding mortgages for the 5 properties. | 07/09/2025 |  |  | 1 C A | XX | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| XX | 224310647 | XX | XX |  | 34813454 | 32025051643-4812 | 07/23/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Borrower provided appraisal waiver less than three (3) business days prior to consummation. (Type:Secondary/XX/03/2025) | Appraisal waiver received was signed 6/XX/2025, which is less than 3 business days prior to consummation of loan. |  |  |  | Buyer Comment (2025-08-26): Collateral Desktop Analysis was not provided 3 days prior to closing. |  |  | 08/26/2025 | 2 B | XX | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| XX | 224310649 | XX | XX |  | 34813468 | 12025051369-2919 | 07/03/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Borrower is currently living with someone other than spouse. This does not meet the guidelines. Lender exception in file. Compensating factors: FICO score and residual income. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Documentation Type: 12mo Bank Statement<br> Disposable Income: $66,509.60<br>Guidelines Representative FICO: 680<br> Representative FICO: 741 | XXXX<br>XXXX<br>Originator Pre-Close,XXXX<br>XXXX<br>XXXX<br>XXXX<br>Originator Pre-Close,XXXX | Reviewer Comment (2025-07-11): Waived with compensating factors per lender exception approval at origination.<br>Buyer Comment (2025-07-09): exception |  |  | 07/11/2025 | 2 C B D | XX | IL | Investment | Refinance - Cash-out - Other | D B A | Exempt from ATR | N/A | No |
| XX | 224310649 | XX | XX |  | 34813469 | 12025051369-6498 | 07/03/2025 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report Date: 05/XX/2025 |  |  |  |  | Reviewer Comment (2025-07-11): Allowed with copy of invoice per guidelines on business purpose loans.<br>Buyer Comment (2025-07-09): transferred appraisal is permitted per guidelines. Invoice was provided D0536 | 07/11/2025 |  |  | 1 B A | XX | IL | Investment | Refinance - Cash-out - Other | D B A | Exempt from ATR | N/A | No |
| XX | 224310649 | XX | XX |  | 34813470 | 12025051369-35682 | 07/03/2025 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | Borrower: XX // Employment Type: Employment / Income Type: Bank Statements / Start Date: 09/XX/2005 // Document: CPA Letter / Document Date: / Tax Year: | CPA letter in file is not dated to verify self employment. |  |  |  | Reviewer Comment (2025-08-05): Cleared with a dated CPA letter.<br>Buyer Comment (2025-08-01): CPA letter | 08/05/2025 |  |  | 1 C A | XX | IL | Investment | Refinance - Cash-out - Other | D B A | Exempt from ATR | N/A | No |
| XX | 224310650 | XX | XX |  | 34813472 | 12025050187-23086 | 07/03/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $27,221.17 is less than Cash From Borrower $48,198.99. |  |  |  |  | Reviewer Comment (2025-08-22): Cleared with sufficient funds/assets.<br>Reviewer Comment (2025-08-20): The $39500.00 came from a personal account not owned by the borrower. The owner of the account is not on the loan. This would require a gift letter. The funds in XX are not associated to the business.<br>Reviewer Comment (2025-08-20): Cleared in error.<br>Reviewer Comment (2025-08-20): Cleared with assets.<br>Buyer Comment (2025-08-18): $39,500 came from #XX; XX is an equal partner of XX- Business account #XX<br>Buyer Comment (2025-08-18): XX shows $30,000 transfer to #XX<br>Reviewer Comment (2025-08-15): Provide clarification of what is being used for the 2 deposits.<br>Buyer Comment (2025-08-13): JXX is an equal partner of XX - business account #XX<br>Buyer Comment (2025-08-13): $30,000 deposit<br>Reviewer Comment (2025-08-05): Unable to verify funds wired from the provided account to the XX account in the amounts of $XX and $30000.00. Statement provided does not reflect the borrower as an owner of the account.<br>Buyer Comment (2025-08-01): $39,500 deposit<br>Reviewer Comment (2025-07-17): Statement received; however, per guidelines, any single deposit exceeding 50% of the month's beginning balance must be sourced. The statement reflects 2 deposits in the amounts of $30,000 and $39,500, both of which exceeds the month's beginning balance of $60. Please provide the source of these funds. Condition will be re-reviewed once received.<br>Buyer Comment (2025-07-15): XX | 08/22/2025 |  |  | 1 C A | XX | TX | Investment | Purchase | C B A | Exempt from ATR | N/A | No |
| XX | 224310650 | XX | XX |  | 34813473 | 12025050187-4264 | 07/03/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 1.49 is less than Guideline PITIA months reserves of 3.00. | Most recent transaction history for #XX account reflects $20,809.72 in balance. Wire confirmation available in file for closing cost but same transaction not reflecting in transaction summary XX. Resulting in insufficient cash to close. |  |  |  | Reviewer Comment (2025-08-22): Cleared with updated assets.<br>Reviewer Comment (2025-08-22): EXCEPTION HISTORY - Exception Explanation was updated on 08/22/2025 PRIOR Exception Explanation: Calculated PITIA months reserves of 1.52 is less than Guideline PITIA months reserves of 3.00.<br>Reviewer Comment (2025-08-22): Cleared in error.<br>Reviewer Comment (2025-08-22): Sufficient assets provided for funds to close.<br>Reviewer Comment (2025-08-22): EXCEPTION HISTORY - Exception Explanation was updated on 08/22/2025 PRIOR Exception Explanation: Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 3.00.<br>Reviewer Comment (2025-08-20): The $39500.00 came from a personal account not owned by the borrower. The owner of the account is not on the loan. This would require a gift letter. The funds in XXX are not associated to the business.<br>Buyer Comment (2025-08-20): see attached docs<br>Reviewer Comment (2025-08-15): Need further clarification of what was provided.<br>Buyer Comment (2025-08-14): see attached docs<br>Reviewer Comment (2025-07-17): Statement received; however, per guidelines, any single deposit exceeding 50% of the month's beginning balance must be sourced. The statement reflects 2 deposits in the amounts of $30,000 and $39,500, both of which exceeds the month's beginning balance of $60. Please provide the source of these funds. Condition will be re-reviewed once received.<br>Buyer Comment (2025-07-15): see attached XXX statements | 08/22/2025 |  |  | 1 C A | XX | TX | Investment | Purchase | C B A | Exempt from ATR | N/A | No |
| XX | 224310650 | XX | XX |  | 34813474 | 12025050187-2919 | 07/03/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Borrower is currently living rent free with someone other than a spouse. This does not meet the guidelines. | Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Documentation Type: 12mo Bank Statement<br> Disposable Income: $14,657.92<br>Borrower's Own Funds Percent: 7.97%<br> Borrower's Own Funds Amount: $23,921.17<br>DTI: 33.89714% <br> Guideline Maximum DTI: 45.00000% | Originator,XXXX<br>XXXX,Originator<br>Originator,XXXX | Reviewer Comment (2025-07-03): Client elects to waive with compensating factors. |  |  | 07/03/2025 | 2 B | XX | TX | Investment | Purchase | C B A | Exempt from ATR | N/A | No |
| XX | 224310650 | XX | XX |  | 34813476 | 12025050187-29640 | 07/03/2025 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Insufficient reserves provided. |  |  |  | Reviewer Comment (2025-08-22): Cleared with additional assets.<br>Reviewer Comment (2025-08-22): Cleared in error.<br>Reviewer Comment (2025-08-22): Cleared with provided assets.<br>Reviewer Comment (2025-08-20): The $39500.00 came from a personal account not owned by the borrower. The owner of the account is not on the loan. This would require a gift letter. The funds in XXX are not associated to the business.<br>Buyer Comment (2025-08-20): see attached docs<br>Reviewer Comment (2025-08-15): Provide clarification of what is being used for the 2 deposits.<br>Buyer Comment (2025-08-14): see attached docs<br>Reviewer Comment (2025-07-17): Statement received; however, per guidelines, any single deposit exceeding 50% of the month's beginning balance must be sourced. The statement reflects 2 deposits in the amounts of $30,000 and $39,500, both of which exceeds the month's beginning balance of $60. Please provide the source of these funds. Condition will be re-reviewed once received.<br>Buyer Comment (2025-07-15): see attached XXX statements | 08/22/2025 |  |  | 1 C A | XX | TX | Investment | Purchase | C B A | Exempt from ATR | N/A | No |
| XX | 224310651 | XX | XX |  | 34813480 | 12025050463-34957 | 07/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-103.90 exceeds tolerance of $-750.00. Insufficient or no cure was provided to the borrower. (9300) | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-103.90 exceeds tolerance of $-750.00. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-07-14): XXXX received valid COC dated 06/02/2025<br>Buyer Comment (2025-07-11): Please see attached COC. | 07/14/2025 |  |  | 1 C A | XX | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Exempt from ATR | Exempt from ATR | No |
| XX | 224310651 | XX | XX |  | 34813481 | 12025050463-6543 | 07/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $270.00 exceeds tolerance of $151.00 plus 10% or $166.10. Insufficient or no cure was provided to the borrower. (0) | Ten Percent Fee Tolerance exceeded. Total amount of $270.00 exceeds tolerance of $151.00 plus 10% or $166.10. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-07-14): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception."<br>Buyer Comment (2025-07-11): A cure was already provided to the borrower for the increase in recording fees. Please see Final CD dated 06/20 (Doc id D0224) Page 2 Lender Credit of $103.90. | 07/14/2025 |  |  | 1 C A | XX | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Exempt from ATR | Exempt from ATR | No |
| XX | 224310651 | XX | XX |  | 34813484 | 12025050463-6582 | 07/14/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $270.00 exceeds tolerance of $151.00 plus 10% or $166.10. Sufficient or excess cure was provided to the borrower at Closing. (0) | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2025-07-14): Sufficient Cure Provided At Closing |  | 07/14/2025 |  | 1 A | XX | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Exempt from ATR | Exempt from ATR | No |
| XX | 224310653 | XX | XX |  | 34813494 | 12025041692-29618 | 07/15/2025 | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  | Unable to verify 12 consecutive months' housing history. Please provide a Verification of Mortgage from XX and XX or a mortgage history disclosing satisfactory payments. |  |  |  | Reviewer Comment (2025-08-26): cleared with mortgage statements<br>Buyer Comment (2025-08-22): March 2025<br>Reviewer Comment (2025-08-22): Using the contract due date the March statement is missing. Borrower is 1x30 in past 12 months. Need March statement. It is not provided.<br>Buyer Comment (2025-08-20): mtg statements<br>Reviewer Comment (2025-07-18): The payoff is not evidence that the loan is not in our borrower's name. Either a 12 month pay history or original Note showing our borrower is not responsible for payments on this mortgage will be provided. It should also be noted the payoff indicates there are unpaid late fees due on this account.<br>Buyer Comment (2025-07-16): D0119 XXX is reported on credit report ; just opened on 03/19/25 and XXX is not in our borrower's name; only in spouse XXX per payoff D0182; Property profile provided D0125 | 08/26/2025 |  |  | 1 C A | XX | CO | Primary | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| XX | 224310654 | XX | XX |  | 34813496 | 12025051927-25838 | 07/15/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXInsurance Verification, Tax Verification |  |  |  |  | Reviewer Comment (2025-07-21): Received<br>Buyer Comment (2025-07-17): see attached first payment letter | 07/21/2025 |  |  | 1 C A | XX | FL | Primary | Refinance - Cash-out - Other | C A B | Exempt from ATR | Exempt from ATR | No |
| XX | 224310654 | XX | XX |  | 34813500 | 12025051927-6498 | 07/15/2025 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report Date: 06/XX/2025 | The file is missing the transfer letter from XX. |  |  |  | Reviewer Comment (2025-08-18): Cleared with transfer letter<br>Buyer Comment (2025-08-14): transfer letter | 08/18/2025 |  |  | 1 B A | XX | FL | Primary | Refinance - Cash-out - Other | C A B | Exempt from ATR | Exempt from ATR | No |
| XX | 224310654 | XX | XX |  | 34813501 | 12025051927-29639 | 07/15/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The file is missing mortgage statement, Tax and Insurance verification for the XX property |  |  |  | Reviewer Comment (2025-07-21): Received<br>Buyer Comment (2025-07-17): First payment letter | 07/21/2025 |  |  | 1 C A | XX | FL | Primary | Refinance - Cash-out - Other | C A B | Exempt from ATR | Exempt from ATR | No |
| XX | 224310655 | XX | XX |  | 34813505 | 12025050284-6542 | 07/16/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $100.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7319) | Document Preparation Fee increased from $0.00 to $100.00, an increase of $100.00, without a valid changed circumstance document in file. No cure provided. |  |  |  | Reviewer Comment (2025-08-06): XXXX received previous lender confirmation for loan cancellation. Removed LE dated 11/01 from previous lender from review.<br>Buyer Comment (2025-08-04): See attached letter<br>Reviewer Comment (2025-07-27): XXXX received COC dated 06/05 however, the fees are increased on LE dated 05/05. As per the review the LE dated 11/01 in file is from the XXXX with different loan ID than current ID. The file also contains intend to proceed signed by borrower on 11/05. If the previous loan was cancelled and borrower did not proceeded with the same please provide cancellation letter or Denial letter to remove this LE from the testing and re-baseline the fees as per 05/05 LE or cure would be due to the borrower.<br>Buyer Comment (2025-07-24): Attached is COC | 08/06/2025 |  |  | 1 C A | XX | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Exempt from ATR | Exempt from ATR | No |
| XX | 224310655 | XX | XX |  | 34813506 | 12025050284-6542 | 07/16/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $1,495.00 exceeds tolerance of $1,481.00. Insufficient or no cure was provided to the borrower. (73196) | Underwriting Fee increased from $1,481.00 to $1,495.00, an increase of $14.00, without a valid changed circumstance document in file. No cure provided. |  |  |  | Reviewer Comment (2025-08-06): XXXX received previous lender confirmation for loan cancellation. Removed LE dated 11/01 from previous lender from review.<br>Reviewer Comment (2025-07-27): XXXX received COC dated 06/05 however, the fees are increased on LE dated 05/05. As per the review the LE dated 11/01 in file is from the XXXX with different loan ID than current ID. The file also contains intend to proceed signed by borrower on 11/05. If the previous loan was cancelled and borrower did not proceeded with the same please provide cancellation letter or Denial letter to remove this LE from the testing and re-baseline the fees as per 05/05 LE or cure would be due to the borrower.<br>Buyer Comment (2025-07-24): Attached is COC | 08/06/2025 |  |  | 1 C A | XX | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Exempt from ATR | Exempt from ATR | No |
| XX | 224310655 | XX | XX |  | 34813507 | 12025050284-6542 | 07/16/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Originator Compensation. Fee Amount of $14,762.80 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7326) | Loan Originator Compensation increased from $0.00 to $14,762.80, an increase of $14,762.80, without a valid changed circumstance document in file. No cure provided. |  |  |  | Reviewer Comment (2025-08-06): XXXX received previous lender confirmation for loan cancellation. Removed LE dated 11/01 from previous lender from review.<br>Reviewer Comment (2025-07-27): XXXX received COC dated 06/05 however, the fees are increased on LE dated 05/05. As per the review the LE dated 11/01 in file is from the XXXX with different loan ID than current ID. The file also contains intend to proceed signed by borrower on 11/05. If the previous loan was cancelled and borrower did not proceeded with the same please provide cancellation letter or Denial letter to remove this LE from the testing and re-baseline the fees as per 05/05 LE or cure would be due to the borrower.<br>Buyer Comment (2025-07-24): Attached is COC | 08/06/2025 |  |  | 1 C A | XX | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Exempt from ATR | Exempt from ATR | No |
| XX | 224310655 | XX | XX |  | 34813508 | 12025050284-6542 | 07/16/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $1,000.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7334) | Processing Fee increased from $0.00 to $1,000.00, an increase of $1,000.00, without a valid changed circumstance document in file. No cure provided. |  |  |  | Reviewer Comment (2025-08-06): XXXX received previous lender confirmation for loan cancellation. Removed LE dated 11/01 from previous lender from review.<br>Reviewer Comment (2025-07-27): XXXX received COC dated 06/05 however, the fees are increased on LE dated 05/05. As per the review the LE dated 11/01 in file is from the XXXX with different loan ID than current ID. The file also contains intend to proceed signed by borrower on 11/05. If the previous loan was cancelled and borrower did not proceeded with the same please provide cancellation letter or Denial letter to remove this LE from the testing and re-baseline the fees as per 05/05 LE or cure would be due to the borrower.<br>Buyer Comment (2025-07-24): Attached is COC | 08/06/2025 |  |  | 1 C A | XX | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Exempt from ATR | Exempt from ATR | No |
| XX | 224310655 | XX | XX |  | 34813509 | 12025050284-6542 | 07/16/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $90.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7360) | Appraisal Review Fee increased from $0.00 to $90.00, an increase of $90.00, without a valid changed circumstance document in file. No cure provided. |  |  |  | Reviewer Comment (2025-08-06): XXXX received previous lender confirmation for loan cancellation. Removed LE dated 11/01 from previous lender from review.<br>Reviewer Comment (2025-07-27): XXXX received COC dated 06/05 however, the fees are increased on LE dated 05/05. As per the review the LE dated 11/01 in file is from the XXXX with different loan ID than current ID. The file also contains intend to proceed signed by borrower on 11/05. If the previous loan was cancelled and borrower did not proceeded with the same please provide cancellation letter or Denial letter to remove this LE from the testing and re-baseline the fees as per 05/05 LE or cure would be due to the borrower.<br>Buyer Comment (2025-07-24): Attached is COC | 08/06/2025 |  |  | 1 C A | XX | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Exempt from ATR | Exempt from ATR | No |
| XX | 224310655 | XX | XX |  | 34813510 | 12025050284-6542 | 07/16/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $300.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7520) | Credit Report Fee increased from $0.00 to $300.00, an increase of $300.00, without a valid changed circumstance document in file. No cure provided. |  |  |  | Reviewer Comment (2025-08-06): XXXX received previous lender confirmation for loan cancellation. Removed LE dated 11/01 from previous lender from review.<br>Reviewer Comment (2025-07-27): XXXX received COC dated 06/05 however, the fees are increased on LE dated 05/05. As per the review the LE dated 11/01 in file is from the XXXX with different loan ID than current ID. The file also contains intend to proceed signed by borrower on 11/05. If the previous loan was cancelled and borrower did not proceeded with the same please provide cancellation letter or Denial letter to remove this LE from the testing and re-baseline the fees as per 05/05 LE or cure would be due to the borrower.<br>Buyer Comment (2025-07-24): Attached is COC | 08/06/2025 |  |  | 1 C A | XX | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Exempt from ATR | Exempt from ATR | No |
| XX | 224310655 | XX | XX |  | 34813511 | 12025050284-6459 | 07/16/2025 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: XX | There are red flags on the fraud report that have not been addressed.<br> 10 |  |  |  | Reviewer Comment (2025-08-07): Cleared with alert summary.<br>Buyer Comment (2025-08-05): Clear final fraud attached. Thank you. | 08/07/2025 |  |  | 1 C A | XX | CA | Primary | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| XX | 224310655 | XX | XX |  | 34813512 | 12025050284-5404 | 07/16/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XX Third Party Verification | Provide third party verification of the business existence dated within 20 business days of the Note date. Document must meet guidelines. |  |  |  | Reviewer Comment (2025-08-07): Third party bushiness existence is required. WVOE does not meet guidelines.<br>Buyer Comment (2025-08-05): See VVOE attached. Thank you.<br>Buyer Comment (2025-08-05): Please find VVOE. Thank you. | 08/07/2025 |  |  | 1 C A | XX | CA | Primary | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| XX | 224310655 | XX | XX |  | 34813513 | 12025050284-29639 | 07/16/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing a third party employment verification. |  |  |  | Reviewer Comment (2025-08-26): Cleared with newly obtained CPA letter.<br>Buyer Comment (2025-08-22): Please see attached letter from Borrowers tax professional (1) day prior to closing. Thank you.<br>Reviewer Comment (2025-08-21): Per guidelines, the actual documents used to verify the business existence must be provided. ie; copies of the documents used. The only time a written VOE can be used for self employed borrower is if documents provided are over 30 days old then a a processor cert verifying employment with the CPA can be used. The document provided is not completed with the CPA and not attesting that they spoke with the CPA..<br>Buyer Comment (2025-08-19): Please advise why the VVOE does not satisfy this condition. Your condition states WVOE but that is not what was sent to clear this condition. Please advise exactly what you are in need of to the clear this condition as a VVOE & Google search were all provided previously. Thank you.<br>Reviewer Comment (2025-08-07): Third party bushiness existence is required. WVOE does not meet guidelines.<br>Buyer Comment (2025-08-05): See attached. Thank you. | 08/26/2025 |  |  | 1 C A | XX | CA | Primary | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| XX | 224310656 | XX | XX |  | 34813515 | 12025052366-5404 | 07/16/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXThird Party Verification | Provide verification of ownership and ownership percentage for XX which owns 99% of the borrowing entity. Additional conditions may apply. |  |  |  | Reviewer Comment (2025-08-28): cleared with trust.<br>Reviewer Comment (2025-08-21): Document provided does not confirm ownership % of XX.<br>Buyer Comment (2025-08-19): XX resolution. | 08/28/2025 |  |  | 1 C A | XX | AR | Investment | Purchase | C A | Exempt from ATR | N/A | No |
| XX | 224310656 | XX | XX |  | 34813516 | 12025052366-29639 | 07/16/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Provide verification of ownership and ownership percentage for XX which owns 99% of the business entity. Additional conditions may apply. |  |  |  | Reviewer Comment (2025-08-28): cleared with the Trust.<br>Buyer Comment (2025-08-26): Trust documentation<br>Buyer Comment (2025-08-26): Please find Trust agreement attached. Thank you.<br>Reviewer Comment (2025-08-21): Document provided does not confirm ownership % of XX<br>Buyer Comment (2025-08-19): XX resolution.<br>Reviewer Comment (2025-07-31): The business that is being used for income verification (XX) is owned by another business (XX) which requires ownership verification. Provide documents to verify ownership of XX<br>Buyer Comment (2025-07-29): Document's confirming Borrower is sole member. Thank you.<br>Buyer Comment (2025-07-29): Please find attached confirmation Borrower is the sole member. Thank you. | 08/28/2025 |  |  | 1 C A | XX | AR | Investment | Purchase | C A | Exempt from ATR | N/A | No |
| XX | 224310657 | XX | XX |  | 34813518 | 12025032465-5404 | 07/17/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXThird Party Verification | The file is missing verification of employment within 20 business days prior to Note date. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least $2500.00. | Guidelines Representative FICO: 680<br> Representative FICO: 763<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: $7,453.71 | XXXX<br>XXXX | Reviewer Comment (2025-08-14): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2025-08-12): Lender accepts. Please waive with available compensating factors<br>Reviewer Comment (2025-08-07): Document provided does not verify a business existence.<br>Buyer Comment (2025-08-07): Bwr is self employed |  |  | 08/14/2025 | 2 C B | XX | CA | Primary | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| XX | 224310657 | XX | XX |  | 34813520 | 12025032465-4387 | 07/17/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Negative Amortization | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 06/XX/2025 incorrectly disclosed whether the loan contains Negative Amortization. (Final/XX/26/2025) | The final Closing Disclosure did not disclose whether the loan contains Negative Amortization. |  |  |  | Reviewer Comment (2025-07-24): XXXX received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2025-07-23): PCCD<br>Buyer Comment (2025-07-23): PCCD and LOE<br>Reviewer Comment (2025-07-21): The final CD, doc 243, page 4 is not properly noted. Not selections have been made in regard to negative amortization. Please provide PCCD and LOE to cure.<br>Buyer Comment (2025-07-18): Please see Doc id: -0243 page for there is no any Negative Amortization. |  | 07/24/2025 |  | 2 C B | XX | CA | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Exempt from ATR | Exempt from ATR | No |
| XX | 224310657 | XX | XX |  | 34813521 | 12025032465-4388 | 07/17/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 06/XX/2025 incorrectly disclosed whether the loan allows for Partial Payments. (Final/XX/26/2025) | The final Closing Disclosure did not disclose whether the loan contains allows Partial Payments. |  |  |  | Reviewer Comment (2025-07-24): XXXX received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2025-07-23): LOE<br>Buyer Comment (2025-07-23): PCCD<br>Reviewer Comment (2025-07-21): The final CD, doc 243, page 4 is not properly noted. Not selections have been made in regard to Partial payments. Please provide PCCD and LOE to cure.<br>Buyer Comment (2025-07-18): Plese see doc id 0243 page there no any Patial payment. |  | 07/24/2025 |  | 2 C B | XX | CA | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Exempt from ATR | Exempt from ATR | No |
| XX | 224310657 | XX | XX |  | 34813522 | 12025032465-2666 | 07/17/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2025, prior to three (3) business days from transaction date of 06/XX/2025. | Subject loan disbursement date on 07/XX/2025 was prior to three (3) business days from transaction date of 06/XX/2025. |  |  |  | Reviewer Comment (2025-07-29): clear<br>Buyer Comment (2025-07-25): Please see certified copy of settlement statement.<br>Reviewer Comment (2025-07-23): Closing statement received is not signed/stamped certified by any party.<br>Buyer Comment (2025-07-22): Please see settlement statement. | 07/29/2025 |  |  | 1 C A | XX | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Exempt from ATR | Exempt from ATR | No |
| XX | 224310657 | XX | XX |  | 34813523 | 12025032465-29639 | 07/17/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The file is missing verification of employment within 20 business days prior to Note date. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least $2500.00. | Guidelines Representative FICO: 680<br> Representative FICO: 763<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: $7,453.71 | XXXX<br>XXXX | Reviewer Comment (2025-08-14): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2025-08-12): Lender accepts. Please waive with available compensating factors<br>Reviewer Comment (2025-08-07): Document provided does not verify a business existence.<br>Buyer Comment (2025-08-07): see attached search |  |  | 08/14/2025 | 2 C B | XX | CA | Primary | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| XX | 224310659 | XX | XX |  | 34813529 | 12025041875-6643 | 08/15/2025 | Compliance | Compliance | State Compliance | State Defect | Illinois SB 1894 | IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. |  |  |  |  | Reviewer Comment (2025-08-28): Cleared with Cert of Compliance.<br>Reviewer Comment (2025-08-26): The document is required to be signed by lender and borrower.<br>Buyer Comment (2025-08-22): Please see attached<br>Buyer Comment (2025-08-22): The Certificate Provided meets the Basic requirements for Recording Purposes and was attached to the Mortgage when filed, please clear.<br>Reviewer Comment (2025-08-22): Provide signature page.<br>Buyer Comment (2025-08-20): Please see attached | 08/28/2025 |  |  | 1 C A | XX | IL | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| XX | 224310659 | XX | XX |  | 34813533 | 12025041875-3831 | 08/15/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unable to verify CPA business or license information. |  |  |  | Reviewer Comment (2025-08-27): cleared with internet search.<br>Buyer Comment (2025-08-25): cpa search | 08/27/2025 |  |  | 1 C A | XX | IL | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| XX | 224310660 | XX | XX |  | 34813537 | 32025042714-7038 | 07/18/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/XX/03/2025) | Initial closing disclosure is issues less than 6 days prior to closing. |  |  |  | Reviewer Comment (2025-08-19): XXXX received attestation is sufficient.<br>Buyer Comment (2025-08-15): Borrower Attestation acknowledging the incorrect documents signed and confirming understanding of the actual terms.<br>Reviewer Comment (2025-07-24): XXXX received rebuttal response. However, please see doc ID D0391, D0282, D0702 and D0811 issued with 06/03/2025 and signed by borrower on 06/07/2025 with 0% APR on Page 5. Any CD signed by borrowers must be included in testing, as they were disclosed to borrower. Provide a lender attestation give the specific disclosure (CD doc ID# 391, 282, 702 and 811 is acceptable to specify) and explain why it was included in package for review and attest they were never issued or disclosed to borrower. If the CD were not provided to the borrower, please provide specific Attestation comments indicating the documents IDs were never provided to the borrower and XXXX will review for re-testing.<br>Buyer Comment (2025-07-22): Closing Disclosure document D0388 shows issued and signed by the borrower on 6/3/2025 and loan didn't close until 6/7/2025 which meets the 3 day timing requirement. | 08/19/2025 |  |  | 1 C A | XX | CA | Primary | Purchase | No Defined Cure A B | Non QM | Non QM | No |
| XX | 224310660 | XX | XX |  | 34813539 | 32025042714-563 | 07/18/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: # of years at current address was not provided |  | 1003 reflects the borrower rents the current primary residence for $4000.00 per month. Letter of explanation in file shows that he lives rent free with parents. Provide an updated 1003 reflecting that the borrower has no primary housing expense. |  |  |  | Reviewer Comment (2025-08-19): Updated executed 1003 received in trailing documents.<br>Reviewer Comment (2025-08-19): Provide evidence the 1003 was sent to borrower for signature.<br>Buyer Comment (2025-08-15): Signed 1003 reflecting rent free!<br>Reviewer Comment (2025-07-25): 1003 is not signed.<br>Buyer Comment (2025-07-23): Updated 1003 showing rent free. | 08/19/2025 |  |  | 1 B A | XX | CA | Primary | Purchase | C A B | Non QM | Non QM | No |
| XX | 224310660 | XX | XX |  | 34813540 | 32025042714-3831 | 07/25/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide Underwriter discretion verifying the reason for allowing a borrower living rent free with someone other than a spouse. |  |  |  | Reviewer Comment (2025-08-08): Cleared with UW Cert<br>Buyer Comment (2025-08-06): Document D207 reflects the discretion the underwriter used for allowing the borrower living rent free. | 08/08/2025 |  |  | 1 A | XX | CA | Primary | Purchase | C A B | Non QM | Non QM | No |
| XX | 224310661 | XX | XX |  | 34813541 | 12025051151-27835 | 07/22/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note Date: 06/XX/2025; Lien Position: 1 |  |  |  |  | Reviewer Comment (2025-08-07): cleared with cda<br>Buyer Comment (2025-08-06): CDA | 08/07/2025 |  |  | 1 D A | XX | CA | Primary | Refinance - Cash-out - Other | D A | Exempt from ATR | Exempt from ATR | No |
| XX | 224310663 | XX | XX |  | 34813548 | 12025060360-5404 | 08/05/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XX Account Statements - Business | Missing XX Account # XX statement for 2/2025. |  |  |  | Reviewer Comment (2025-08-12): Cleared with statement.<br>Buyer Comment (2025-08-08): Please see attached Statement 02/25 | 08/12/2025 |  |  | 1 C A | XX | NY | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | N/A | No |
| XX | 224310663 | XX | XX |  | 34813549 | 12025060360-27655 | 08/05/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | Account Statements - Business, Exception for missing bank statement from account XXX dated 02/XX/2025-02/XX/2025. |  |  |  | Reviewer Comment (2025-08-12): Cleared with statement.<br>Buyer Comment (2025-08-08): Please see attached Statement 02/25 | 08/12/2025 |  |  | 1 C A | XX | NY | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | N/A | No |
| XX | 224310663 | XX | XX |  | 34813551 | 12025060360-29639 | 08/05/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The file is missing bank statement ending 02/XX/2025 for qualifying income. |  |  |  | Reviewer Comment (2025-08-12): Cleared with statement.<br>Buyer Comment (2025-08-08): Please see attached Statement 02/25 | 08/12/2025 |  |  | 1 C A | XX | NY | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | N/A | No |
| XX | 224310663 | XX | XX |  | 34813552 | 12025060360-3831 | 08/05/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Non-Owner Occupancy Declaration is incomplete as Section 4A is missing the principal residence address. |  |  |  | Reviewer Comment (2025-08-08): Received<br>Buyer Comment (2025-08-06): Please see attached | 08/08/2025 |  |  | 1 C A | XX | NY | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | N/A | No |
| XX | 224310663 | XX | XX |  | 34813553 | 12025060360-3831 | 08/05/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide evidence that the CPA has no affiliation with the borrower or the business. Also, the file did not contain documentation regarding the CPA licensing. |  |  |  | Reviewer Comment (2025-08-25): Cleared with updated CPA LOX verifying no affiliation.<br>Buyer Comment (2025-08-21): Please see attached CPA letter.<br>Reviewer Comment (2025-08-20): Per guidelines under Bank Statement Income; The CPA/licensed tax preparer must attest they have audited the business financial statements or reviewed working papers provided by the borrower as well as attest they are not affiliated/associated with the borrower or their business.<br>Buyer Comment (2025-08-18): cpa license<br>Reviewer Comment (2025-08-12): Guideline states that the CPA is required to verify no affiliation between them and the borrower.<br>Buyer Comment (2025-08-11): We do not need to confirm if borrower have any affiliation to CPA or not, this is not required as per guidelines, please clear.<br>Reviewer Comment (2025-08-08): Evidence of license received. Still need evidence that the CPA has no affiliation with the borrower or the business.<br>Buyer Comment (2025-08-06): Please see attached | 08/25/2025 |  |  | 1 C A | XX | NY | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | N/A | No |
| XX | 224310666 | XX | XX |  | 34813559 | 12025061245-23688 | 08/07/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Coverage Amount is insufficient. Shortfall of $XX |  |  |  | Reviewer Comment (2025-08-14): Cleared. LOX verifies 100% Replacement cost.<br>Buyer Comment (2025-08-12): Please see attached RCE letter<br>Buyer Comment (2025-08-12): Please see attached HOI policy | 08/14/2025 |  |  | 1 C A | XX | FL | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | N/A | No |
| XX | 224310667 | XX | XX |  | 34813561 | 12025040324-25838 | 08/11/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XX, Address: XX Statement<br> Statement | Missing mortgage statement for REO property on XX. |  |  |  | Reviewer Comment (2025-08-18): cleared with payment letter.<br>Buyer Comment (2025-08-14): XXX first payment letter<br>Buyer Comment (2025-08-14): first payment letter | 08/18/2025 |  |  | 1 C A | XX | TX | Investment | Refinance - Rate/Term | C A | Exempt from ATR | N/A | No |
| XX | 224310667 | XX | XX |  | 34813562 | 12025040324-29639 | 08/11/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing mortgage statement for REO property on XX. |  |  |  | Reviewer Comment (2025-08-18): cleared with payment letter.<br>Buyer Comment (2025-08-14): see attached docs | 08/18/2025 |  |  | 1 C A | XX | TX | Investment | Refinance - Rate/Term | C A | Exempt from ATR | N/A | No |
| XX | 224310670 | XX | XX |  | 34813569 | 12025040317-25838 | 08/20/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XX Statement | The Mortgage Statement is missing. |  |  |  | Reviewer Comment (2025-08-27): Cleared with first payment letter.<br>Buyer Comment (2025-08-25): FPL | 08/27/2025 |  |  | 1 C A | XX | TX | Investment | Refinance - Rate/Term | C A | Exempt from ATR | N/A | No |
| XX | 224310670 | XX | XX |  | 34813570 | 12025040317-29639 | 08/20/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Mortgage Statement is missing for REO on XX. |  |  |  | Reviewer Comment (2025-09-03): Cleared with 1st payment letter, tax and ins verification docs.<br>Buyer Comment (2025-09-02): D0291 reports tax $9027.91<br>Buyer Comment (2025-09-02): D0284 is HOI<br>Buyer Comment (2025-08-29): See Doc ID 0450 for the tax cert. Doc ID 0469 for the insurance invoice. These were included in the original upload.<br>Reviewer Comment (2025-08-27): We will need proof of tax and insurance amount since the FPL only provides the P&I.<br>Buyer Comment (2025-08-25): see attached FPL | 09/03/2025 |  |  | 1 C A | XX | TX | Investment | Refinance - Rate/Term | C A | Exempt from ATR | N/A | No |
| XX | 224310673 | XX | XX |  | 34813583 | 12025042777-5384 | 06/11/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bylaws not provided |  | Bylaws is missing. |  |  |  | Reviewer Comment (2025-07-02): clear<br>Buyer Comment (2025-07-01): Please find Corp By-Laws attached. | 07/02/2025 |  |  | 1 C A | XX | CA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| XX | 224310673 | XX | XX |  | 34813584 | 12025042777-4507 | 06/11/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing is missing. |  |  |  | Reviewer Comment (2025-07-02): clear<br>Buyer Comment (2025-07-01): Please accept in place of cert of good standing. Thank you. | 07/02/2025 |  |  | 1 C A | XX | CA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| XX | 224310673 | XX | XX |  | 34813585 | 12025042777-4062 | 06/11/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Corporate Resolution signed by all the members of the borrowing business entity is missing from the file. |  |  |  | Reviewer Comment (2025-08-27): Cleared with provide document.<br>Buyer Comment (2025-08-25): Please see document attached confirming Borrower is authorized to execute any & all documents.<br>Reviewer Comment (2025-08-20): Section 9.01of the Bylaws state that deeds, documents, contracts and instruments that acquire, transfer, exchange, sell or dispose of any assets of the corporation must be signed by the president. The subject property is an asset owned by the Corporation, being refinanced by the corporation which requires the signing of the deed, loan documents including the Note and Security Instrument.<br>Buyer Comment (2025-08-18): Please see attached confirming signing authority.<br>Reviewer Comment (2025-08-01): Entity has multiple owners and they all are required to sign the document approving signing authority to the Guarantor.<br>Buyer Comment (2025-07-30): Please see attached & clear condition. Thank you so much.<br>Reviewer Comment (2025-07-28): Section 5.04 indicates that the secretary will issue notices for all meetings and actions; it does not give sole authority to bind the company in business transactions. Further, section 9.01 indicates all contracts, deeds, documents and instruments that acquire transfer exchange sell or dispose of any assets of the corporate must be executed by the president, his designee or by a resolution of the corporation to bind the corporation. None of the articles give the authority to solely sign the corporate resoltuion.<br>Buyer Comment (2025-07-24): UPDATE: HM - 07/24 - This refi is not a contract that acquires new property. The property is already owned by the LLC. It does not transfer ownership. It does not exchange the REO for another asset. It does not dispose of or sell the property. Therefore section 9 is not applicable for this transaction as the refi relates to an asset that is in the LLC. Thank you PLEASE CLEAR.<br>Reviewer Comment (2025-07-23): Section 5.04 indicates that the secretary will issue notices for all meetings and actions; it does not give the secretary sole authority to bind the company in business transactions. Further, section 9.01 indicates all contracts, deeds, documents and instruments that acquire transfer exchange sell or dispose of any assets of the corporate must be executed by the president, his designee or by a resolution of the corporation to bind the corporation. None of these articles give the Secretary the authority to solely sign the corporate resoltuion.<br>Buyer Comment (2025-07-22): Good evening, XXXX please note the following: Updated resolution (08/19/24) is supported by section 4.13 of the Corp Bylaws. By-Laws allow actions to be taken without a meeting by Section 603 and any action may be taken without a meeting with such consent having the same force and effect as a unanimous vote of the shareholders. Additionally, section 5.04 (a) confirms the Secretary issues notices for all actions of the board. section 9.04 confirms the bylaws to not require shareholder approval to encumber corporate assets in the ordinary course of business / only for non-routine actions.<br>Reviewer Comment (2025-07-08): Document provided is to be signed by all parties that show as owners on the original document D0199. There are 5 owners listed and they all need to sign the most recent document XX giving the Guarantor signing authority.<br>Buyer Comment (2025-07-03): Please see attached the resolution document that gives Sao C Cha authorization to sign all contracts, deeds, documents, and instruments that acquire, transfer, exchange, sell, or dispose of any assets of the Corporation.<br>Reviewer Comment (2025-07-02): Need documentation that shows he has full signing authority. This needs signed by all members. Document provided does not verify signing authority to the Guarantor.<br>Buyer Comment (2025-07-01): Please find corporate resolution attached. Thank you. | 08/27/2025 |  |  | 1 C A | XX | CA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| XX | 224310675 | XX | XX |  | 34813595 | 12025040683-3831 | XX/XX/XXXX 6:46:58 PM | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The file is missing the fully executed Corporate Resolution from all owners of the business entity and sub-entities to confirm the guarantor has sufficient signing authority. |  |  |  | Reviewer Comment (2025-08-13): Amended operating agreement dated 5/XX2025 is fully executed by all parties and allows our guarantor to sign on behalf of the borrowing entity.<br>Reviewer Comment (2025-07-30): See Organization Chart for breakdown of ownership. The borrowing entity is owned by multiple entities with multiple owners.<br>Buyer Comment (2025-07-29): XX is managed by section 5.1 confirms LLC is managed by the MANAGERS and my encumber the LLC ALONE<br> . <br> Manager of the co is XX<br> XX is managed by XX / XX at 99%. Section VI, E confirms managers may bind the company for the purposes of company business. The borrower via XX is the primary Manager of the co<br>XX is managed by the Chief executive manager without restriction according to section 4, and Exhibit1 confirms borrower XX is the Chief Executive Manager. <br>This chain confirms the borrower has unrestricted signing authority to encumber XX solely.<br>Buyer Comment (2025-07-29): XXXX, PLEASE note the following: Borrower is authorized to sign / encumber the llc with no limitation<br> XX is managed by section 5.1 confirms LLC is managed by the MANAGERS and my encumber the LLC ALONE<br> Manager of the co is XX is managed byXX / XX at 99%. Section VI, E confirms managers may bind the company for the purposes of company business. The borrower via XX is the primary Manager of the co<br>XX is managed by the Chief executive manager without restriction according to section 4, and Exhibit1 confirms borrower XXX is the Chief Executive Manager. <br> This chain confirms the borrower has unrestricted signing authority to encumber XX solely.<br>Buyer Comment (2025-07-28): Please find email from Borrower attached. Thank you.<br>Buyer Comment (2025-07-28): Please find additional documentation attached. Thank you.<br>Buyer Comment (2025-07-28): Please find attached breakdown of each of Borrowers businesses. Thank you.<br>Reviewer Comment (2025-07-24): The required document was in the majority of all other files for this same borrower. Nothing in this file shows signing authority for the Guarantor.<br>Buyer Comment (2025-07-22): XXXX, please note the following:<br> Borrower was confirmed as the Manager authorized to sign on behalf of XX and the fully executed Amendment to the OA is adopted and in the file as part of the closing packet. The sub-entities were included an XX owns 30% while XX owns 20% and are not required to sign any additional documentation. Further LLC's do not file Corporate Resolutions as the amended / restated operating agreement meets that requirement.<br>Reviewer Comment (2025-07-16): Document provided is not sufficient. Needs to be signed by all owners.<br>Buyer Comment (2025-07-14): Resolution attached confirming and executed by all members.<br>Reviewer Comment (2025-07-07): A Corporate Resolution signed by all owners giving 100% full signing authority to the Guarantor is required.<br>Buyer Comment (2025-07-02): Please find corporate resolution attached. Thank you. | 08/13/2025 |  |  | 1 C A | XX | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| XX | 224310675 | XX | XX |  | 34813596 | 12025040683-3831 | XX/XX/XXXX 6:46:58 PM | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the Amended Operating Agreement for the borrowing entity dated 05/XX/2025. |  |  |  | Reviewer Comment (2025-07-16): clear<br>Buyer Comment (2025-07-14): See attached amended 5/1/2025.<br>Reviewer Comment (2025-07-07): Provide the Amended Operating Agreement for the borrowing entity dated 05/01/2025. Must be fully executed.<br>Buyer Comment (2025-07-02): Please find operating agreement. Thank you. | 07/16/2025 |  |  | 1 C A | XX | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| XX | 224310675 | XX | XX |  | 34813597 | 12025040683-6459 | XX/XX/XXXX 6:46:58 PM | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: XX |  |  |  |  | Reviewer Comment (2025-07-07): clear<br>Buyer Comment (2025-07-02): Clear final fraud guard attached. Thank you. | 07/07/2025 |  |  | 1 C A | XX | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| XX | 224310677 | XX | XX |  | 34813599 | 12025051162-27835 | 06/27/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note Date: 06/XX/2025; Lien Position: 1 | Secondary Valuation missing in Loan File. |  |  |  | Reviewer Comment (2025-08-28): cleared with field review.<br>Buyer Comment (2025-08-26): Field review<br>Buyer Comment (2025-08-26): CDA | 08/28/2025 |  |  | 1 D A | XX | PA | Investment | Refinance - Rate/Term | D A C |  | N/A | No |
| XX | 224310677 | XX | XX |  | 34813600 | 12025051162-5205 | 06/27/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Required for borrowing entity. |  |  |  | Reviewer Comment (2025-08-11): Cleared with fraud report.<br>Buyer Comment (2025-08-07): Fraud summary | 08/11/2025 |  |  | 1 C A | XX | PA | Investment | Refinance - Rate/Term | D A C |  | N/A | No |
| XX | 224310677 | XX | XX |  | 34813601 | 12025051162-6459 | 06/27/2025 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: XX |  |  |  |  | Reviewer Comment (2025-08-11): cleared with alert summary.<br>Buyer Comment (2025-08-07): see attached fraud summary | 08/11/2025 |  |  | 1 C A | XX | PA | Investment | Refinance - Rate/Term | D A C |  | N/A | No |
| XX | 224310678 | XX | XX |  | 34813603 | 12025051782-4245 | 06/30/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 80.00000% exceeds Guideline loan to value percentage of 75.00000%. | As per guideline maximum LTV is 75% for cash-out refi. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | Reserves: 125.39<br> Guideline Requirement: 2.00

# of Properties Completed: 17<br> # of Projects (last 24 months): <br> # of Renovation Projects Completed (purchased and exited): 17 | XXXX<br>XXXX | Reviewer Comment (2025-08-27): Waived with compensating factors per lender exception approval at origination.<br>Buyer Comment (2025-08-25): Please find exception attached for 80% cash out transaction. |  |  | 08/27/2025 | 2 C B | XX | VA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XX | 224310678 | XX | XX |  | 34813604 | 12025051782-4246 | 06/30/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 80.00000% exceeds Guideline combined loan to value percentage of 75.00000%. | As per guideline maximum CLTV is 75% for cash-out refi. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | Reserves: 125.39<br> Guideline Requirement: 2.00

# of Properties Completed: 17<br> # of Projects (last 24 months): <br> # of Renovation Projects Completed (purchased and exited): 17 | XXXX<br>XXXX | Reviewer Comment (2025-08-27): Waived with compensating factors per lender exception approval at origination. |  |  | 08/27/2025 | 2 C B | XX | VA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XX | 224310679 | XX | XX |  | 34813606 | 12025050961-4513 | 07/01/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | The file is missing the Articles of Organization for the borrowing business entity. The file only contains the Articles of Organization for the sub-entity. |  |  |  | Reviewer Comment (2025-08-25): Cleared with AOO.<br>Buyer Comment (2025-08-21): Cert of formation attached. Thank you.<br>Reviewer Comment (2025-07-23): Please provide complete articles. Document provided only indicates the name has been reserved. The articles would detail the owners/registered agents, date filed, etc.<br>Buyer Comment (2025-07-22): Please see attached Articles of Organization | 08/25/2025 |  |  | 1 C A | XX | AL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XX | 224310679 | XX | XX |  | 34813607 | 12025050961-5205 | 07/01/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | The OFAC search is missing for both of the borrowing business entities. |  |  |  | Reviewer Comment (2025-07-14): Received OFAC for both entities.<br>Buyer Comment (2025-07-10): Please see attached clear ofac for XX<br>Buyer Comment (2025-07-10): Please see attached clear ofac for XX | 07/14/2025 |  |  | 1 C A | XX | AL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XX | 224310680 | XX | XX |  | 34813609 | 12025051955-4245 | 07/09/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 80.00000% exceeds Guideline loan to value percentage of 75.00000%. | Lender exception is provided for LTV 80% on a cash out refinance transaction with comp factors of DSCR ratio > 1.15% and reserves more than 4 months and loan amount less than $1.0M. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | The DSCR of 1.37 is greater than the minimum required DSCR of 1.00.. | XXXX<br>XXXX,Originator Pre-Close | Reviewer Comment (2025-08-13): Waived with compensating factors per lender exception approval at origination.<br>Buyer Comment (2025-08-11): Please find attached "cert of non-owner occupancy" Borrower primary address completed. Thank you.<br>Buyer Comment (2025-08-11): Please find exception attached for LTV on DSCR over 75%. Thank you. |  |  | 08/13/2025 | 2 C B | XX | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XX | 224310680 | XX | XX |  | 34813610 | 12025051955-4061 | 07/09/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  | Section 4A of the Certification of Non-Owner Occupancy was not completed. |  |  |  | Reviewer Comment (2025-08-20): cleared with NOO cert.<br>Buyer Comment (2025-08-18): Please find completed form attached. Thank you. | 08/20/2025 |  |  | 1 C A | XX | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XX | 224310680 | XX | XX |  | 34813611 | 12025051955-4246 | 07/09/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 80.00000% exceeds Guideline combined loan to value percentage of 75.00000%. | Lender exception is provided for LTV 80% on a cash out refinance transaction with comp factors of DSCR ratio > 1.15% and reserves more than 4 months and loan amount less than $1.0M. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | The DSCR of 1.37 is greater than the minimum required DSCR of 1.00.. | XXXX<br>XXXX,Originator Pre-Close | Reviewer Comment (2025-08-13): Waived with compensating factors per lender exception approval at origination. |  |  | 08/13/2025 | 2 C B | XX | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XX | 224310681 | XX | XX |  | 34813612 | 12025042306-23089 | 07/14/2025 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | Valuation Type: Appraisal / Valuation Report Date: 06/XX/2025 | The property is listed for sale. LOX is require for property listed. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 29.56<br> Guideline Requirement: 2.00<br>Guidelines Representative FICO: 700<br> Representative FICO: 743 | Originator Pre-Close,XXXX<br>Originator Pre-Close,XXXX | Reviewer Comment (2025-08-15): Waived with compensating factors per lender exception approval received in trailing docs.<br>Buyer Comment (2025-08-13): Please find exception attached. Thank you. |  |  | 08/15/2025 | 2 C B | XX | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XX | 224310681 | XX | XX |  | 34813613 | 12025042306-5398 | 07/14/2025 | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. | Borrower: XX | Spousal Consent form is missing in file. |  |  |  | Reviewer Comment (2025-08-15): Received guarantor agreement with spousal consent.<br>Buyer Comment (2025-08-13): Please see attached Guaranty with spouse's signature | 08/15/2025 |  |  | 1 C A | XX | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XX | 224310681 | XX | XX |  | 34813615 | 12025042306-5383 | 07/14/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Spousal Consent Form not provided |  | Please override due to duplicate exception. Spousal Consent Form is missing in file. |  |  |  | Reviewer Comment (2025-08-15): Received guarantor agreement with spousal consent.<br>Buyer Comment (2025-08-13): Please see attached Guaranty with spouse's signature | 08/15/2025 |  |  | 1 C A | XX | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XX | 224310681 | XX | XX |  | 34813616 | 12025042306-4245 | 07/14/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 80.00000% exceeds Guideline loan to value percentage of 75.00000%. | Lender requested an exception which was approved to allow 80% LTV vs program maximum of 75% with DSCR 1 minimum on cash out transaction. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 29.56<br> Guideline Requirement: 2.00<br>Guidelines Representative FICO: 700<br> Representative FICO: 743 | Originator Pre-Close,XXXX<br>Originator Pre-Close,XXXX | Reviewer Comment (2025-07-14): Waived with compensating factors per lender exception approval at origination. |  |  | 07/14/2025 | 2 B | XX | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XX | 224310682 | XX | XX |  | 34813618 | 12025051583-2876 | 07/14/2025 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | Security Instrument - Subject Lien is missing in file |  |  |  | Reviewer Comment (2025-07-28): clear<br>Buyer Comment (2025-07-24): Deed attached | 07/28/2025 |  |  | 1 D A | XX | FL | Investment | Purchase | D B A |  | N/A | No |
| XX | 224310682 | XX | XX |  | 34813619 | 12025051583-5205 | 07/14/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC is required for the borrowing entity and was not provided. |  |  |  | Reviewer Comment (2025-07-31): Cleared with OFAC.<br>Buyer Comment (2025-07-29): Please find clear ofac. Thank you. | 07/31/2025 |  |  | 1 C A | XX | FL | Investment | Purchase | D B A |  | N/A | No |
| XX | 224310682 | XX | XX |  | 34813620 | 12025051583-17704 | 07/14/2025 | Credit | Business Purpose | General | Business Purpose | Open Tradeline requirement not met. | Credit Report: Original // Borrower: XX Borrower has 1 Open Tradelines which is less than the minimum required by guidelines. | Borrower does not meet the minimum tradeline requirments Borrower has 1 trade line with a 15 month history and a second tradeline with a 9 month history. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 202.64<br> Guideline Requirement: 12.00<br>Loan to Value: 48.67257%<br> Guideline Maximum Loan to Value: 65.00000%<br>Guidelines Representative FICO: 680<br> Representative FICO: 740 | XXXX<br>XXXX<br>XXXX | Reviewer Comment (2025-07-31): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2025-07-29): Please find tradeline exception. Thank you. |  |  | 07/31/2025 | 2 C B | XX | FL | Investment | Purchase | D B A |  | N/A | No |
| XX | 224310691 | XX | XX |  | 34813660 | 32025051437-5380 | 07/22/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement in file is not signed and dated. |  |  |  | Reviewer Comment (2025-08-14): Cleared with signed O/A.<br>Buyer Comment (2025-08-12): D0251, page 162 of 883 is the signature page of the Operating Agreement. | 08/14/2025 |  |  | 1 C A | XX | AZ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XX | 224310699 | XX | XX |  | 34813664 | 12025061139-2924 | 07/23/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | HUD/CD missing in Loan File. |  |  |  | Reviewer Comment (2025-08-05): Cleared with Fraud Report.<br>Buyer Comment (2025-08-04): Please see final fraud attached. Thank you.<br>Buyer Comment (2025-08-01): Please see attached FG<br>Reviewer Comment (2025-07-29): Full Fraud Report is required.<br>Buyer Comment (2025-07-25): Please find fraud guard attached. Thank you. | 08/05/2025 |  |  | 1 C A | XX | CA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| XX | 224310699 | XX | XX |  | 34813665 | 12025061139-5205 | 07/23/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC missing in Loan File. |  |  |  | Reviewer Comment (2025-07-29): clear<br>Buyer Comment (2025-07-25): Please find attached clear ofac. Thank you. | 07/29/2025 |  |  | 1 C A | XX | CA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| XX | 224310699 | XX | XX |  | 34813667 | 12025061139-7901 | 07/23/2025 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | Credit Report: Original // Borrower: XX | OFAC missing in Loan File. |  |  |  | Reviewer Comment (2025-07-29): clear<br>Buyer Comment (2025-07-25): Please find clear OFAC in the fraud report attached. Thank you. | 07/29/2025 |  |  | 1 C A | XX | CA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| XX | 224310699 | XX | XX |  | 34813668 | 12025061139-23698 | 07/23/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: XX | Fraud Report missing in Loan File. |  |  |  | Reviewer Comment (2025-08-05): Cleared with Fraud Report.<br>Buyer Comment (2025-08-04): Please find fraud attached. Thank you.<br>Buyer Comment (2025-08-01): Please see attached FG<br>Reviewer Comment (2025-07-29): Full Fraud Report is required.<br>Buyer Comment (2025-07-25): Clear fraud guard attached. Thank you.<br>Buyer Comment (2025-07-25): Please find attached HUD-1. Thank you. | 08/05/2025 |  |  | 1 C A | XX | CA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| XX | 224310699 | XX | XX |  | 34813669 | 12025061139-4747 | 07/23/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Estimated provided |  |  |  | Reviewer Comment (2025-07-29): clear<br>Buyer Comment (2025-07-25): See HUD-1 attached. Thank you. | 07/29/2025 |  |  | 1 D A | XX | CA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| XX | 224310699 | XX | XX |  | 34813670 | 12025061139-767 | 08/05/2025 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Judgments / Balance: 1354.00 | Provide evidence that the judgment for $XX is paid and released. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 178.41<br> Guideline Requirement: 2.00<br>Loan to Value: 34.09091%<br> Guideline Maximum Loan to Value: 65.00000%<br>Guidelines Representative FICO: 620<br> Representative FICO: 743 | XXXX<br>XXXX<br>XXXX | Reviewer Comment (2025-08-12): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2025-08-08): Please find exception attached. Thank you. |  |  | 08/12/2025 | 2 B | XX | CA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| XX | 224310700 | XX | XX |  | 34813672 | 12025061176-767 | 07/23/2025 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Judgments / Balance: 0.00, Credit Report: Original // Public Record Type: Judgments / Balance: 0.00 | Unable to verify the status of the 4 judgments. Provide evidence they have all been paid and released as required per guidelines. |  |  |  | Reviewer Comment (2025-08-08): Case history received in trailing docs reflecting cases were dismissed.<br>Reviewer Comment (2025-08-08): EXCEPTION HISTORY - Exception Detail was updated on 08/08/2025 PRIOR Exception Detail: Credit Report: Original // Public Record Type: Judgments / Balance: 0.00, Credit Report: Original // Public Record Type: Judgments / Balance: 0.00, Credit Report: Original // Public Record Type: Judgments / Balance: 0.00, Credit Report: Original // Public Record Type: Judgments / Balance: 0.00<br>Buyer Comment (2025-08-06): see attached court search screenshot. the Borrower does not have any outstanding open judgements per court search; All judgements pertain to the XXX<br>Buyer Comment (2025-08-06): Court record search<br>Reviewer Comment (2025-08-01): Verified 2 of the 4 are dismissed. Need to verify the other 2.<br>Buyer Comment (2025-07-30): judgement was dismissed | 08/08/2025 |  |  | 1 B A | XX | FL | Investment | Purchase | B A |  | N/A | No |
| XX | 224310701 | XX | XX |  | 34813674 | 12025062389-4513 | 07/23/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Borrowing entity name reflects as XX on Articles of Organization does not match with loan document of XX. |  |  |  | Reviewer Comment (2025-08-20): cleared with articles of org<br>Reviewer Comment (2025-08-18): Articles of Organization is needed. Cannot clear with Cert of Good Standing.<br>Buyer Comment (2025-08-14): XXX | 08/20/2025 |  |  | 1 C A | XX | WA | Investment | Purchase | C A |  | N/A | No |
| XX | 224310701 | XX | XX |  | 34813675 | 12025062389-5205 | 07/23/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | The file is missing the OFAC search for the Trust that is reflected as a borrower on the Note. |  |  |  | Reviewer Comment (2025-08-06): cleared with alert summary.<br>Buyer Comment (2025-08-02): fraud summary | 08/06/2025 |  |  | 1 C A | XX | WA | Investment | Purchase | C A |  | N/A | No |
| XX | 224310702 | XX | XX |  | 34813676 | 12025060351-4507 | 07/24/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing is missing in file. |  |  |  | Reviewer Comment (2025-07-31): Cleared with COGS.<br>Buyer Comment (2025-07-30): COGS | 07/31/2025 |  |  | 1 C A | XX | GA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XX | 224310702 | XX | XX |  | 34813677 | 12025060351-2799 | 07/24/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | Available Note - Subject Lien is incomplete. 3rd page of Note document is missing in file. |  |  |  | Reviewer Comment (2025-08-08): cleared with complete copy of the Note.<br>Buyer Comment (2025-08-06): note | 08/08/2025 |  |  | 1 D A | XX | GA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XX | 224310702 | XX | XX |  | 34813679 | 12025060351-5205 | 07/24/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Missing OFAC for business entity. |  |  |  | Reviewer Comment (2025-07-31): Cleared with Fraud Report.<br>Buyer Comment (2025-07-30): fraud | 07/31/2025 |  |  | 1 C A | XX | GA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XX | 224310702 | XX | XX |  | 34813680 | 12025060351-5347 | 07/24/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | The Certificate of Non-Owner Occupied shows borrower's address as the same as subject property. |  |  |  | Reviewer Comment (2025-07-31): Cleared with NOO declaration.<br>Buyer Comment (2025-07-30): Non-owner | 07/31/2025 |  |  | 1 C A | XX | GA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XX | 224310703 | XX | XX |  | 34813682 | 32025060185-3831 | 08/01/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Rent is paid to a private party/landlord/individual. Provide a copy of the lease and 12 months of cancelled checks (front and back) or bank statement. |  |  |  | Reviewer Comment (2025-08-15): cleared with lease and VOR signed by same person who is also the landlord for XX. Not a private landlord.<br>Buyer Comment (2025-08-13): D0114 VOR from individual for borrower stating borrower has rented from 2/1/2020 to present for $3100 per month with no lates dated 6/11/2025. Per lease in file, the name on lease for landlord is actually xx which his owned/signed by XX who completed the VOR. VOR is acceptable from management company/LLC and cancelled checks are not required. XX also confirms property is owned by LLC. | 08/15/2025 |  |  | 1 C A | XX | CT | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XX | 224310705 | XX | XX |  | 34813687 | 32025061012-767 | 08/01/2025 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Judgments / Balance: 5000.00 | All liens and judgments are required to be paid prior to or at closing. Provide sufficient documentation to verify these have been satisfied and released. |  |  |  | Reviewer Comment (2025-08-18): Cleared with court document.<br>Buyer Comment (2025-08-14): D0274 Case summary shows the Case Status as Closed, meaning it was paid. Case number with the Small Claims court no longer exists because it is closed. | 08/18/2025 |  |  | 1 B A | XX | WI | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XX | 224310706 | XX | XX |  | 34813689 | 12025062056-32065 | 08/01/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-08-07): Cleared with supplement.<br>Buyer Comment (2025-08-06): title supplement | 08/07/2025 |  |  | 1 B A | XX | CA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XX | 224310706 | XX | XX |  | 34813690 | 12025062056-25749 | 08/01/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | File is missing final signed and dated HUD-1/Settlement Statement. |  |  |  | Reviewer Comment (2025-08-07): Cleared with HUD.<br>Buyer Comment (2025-08-05): Final SS | 08/07/2025 |  |  | 1 C A | XX | CA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XX | 224310706 | XX | XX |  | 34813691 | 12025062056-767 | 08/01/2025 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Charge-offs / Balance: 6976.00 | Charge-offs < 24 months with a balance over $2,000 must be paid prior to or at closing. File does not contain evidence the account was paid. |  |  |  | Reviewer Comment (2025-08-13): Credit supplement dated pre-consummation received, reflecting account in dispute. Per guidelines, accounts in dispute do not have to be paid if sufficient reserves. Lender provide bank statement dated pre-consummation reflecting sufficient reserves.<br>Buyer Comment (2025-08-11): account in dispute<br>Buyer Comment (2025-08-11): printout<br>Buyer Comment (2025-08-11): account in dispute; attached additional assets to cover disputed account; | 08/13/2025 |  |  | 1 B A | XX | CA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XX | 224310706 | XX | XX |  | 34813692 | 12025062056-2919 | 08/01/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide 12 month pay history for the primary residence. |  |  |  | Reviewer Comment (2025-08-19): Cleared. See comments.<br>Reviewer Comment (2025-08-19): Borrower has a Point Contract with the seller. She made 1 time payment of $100,000.00 and now has 30 years to repay the full amount. Per the document the lender/property owner will not accept partial payments.<br>Buyer Comment (2025-08-18): DOT<br>Reviewer Comment (2025-08-14): What pages are you referring to.<br>Buyer Comment (2025-08-11): Please see pages 47-58 which speaks about the upfront investment of $100k made and there are no payments associated. Page #57 references this as well | 08/19/2025 |  |  | 1 C A D | XX | CA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XX | 224310707 | XX | XX |  | 34813694 | 12025051966-3831 | 08/04/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide final signed/stamped settlement statement. |  |  |  | Reviewer Comment (2025-08-08): Cleared with final HUD<br>Buyer Comment (2025-08-06): final SS | 08/08/2025 |  |  | 1 C A | XX | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XX | 224310708 | XX | XX |  | 34813696 | 12025061832-6459 | 08/04/2025 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: XX | There are red flags on the fraud report that have not been addressed. |  |  |  | Reviewer Comment (2025-08-08): cleared with FR.<br>Buyer Comment (2025-08-06): Fraud | 08/08/2025 |  |  | 1 C A | XX | NY | Investment | Purchase | C A |  | N/A | No |
| XX | 224310710 | XX | XX |  | 34813699 | 12025062251-17814 | 08/05/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | The Declarations section of the 1003 reflects the borrower will occupy the property as primary a primary residence. |  |  |  | Reviewer Comment (2025-08-25): Cleared with corrected 1003 signed by borrower along with e-sign evidence.<br>Buyer Comment (2025-08-25): PFA certificate<br>Buyer Comment (2025-08-25): E-Signed 1003<br>Buyer Comment (2025-08-21): Please advise where this has been mentioned in the guidelines if we have WET signed 1003, we still required prof of delivery<br>Reviewer Comment (2025-08-20): Provide evidence of how it was provided to the borrower to be signed.<br>Buyer Comment (2025-08-18): Please review D0423 document is WET signed<br>Reviewer Comment (2025-08-15): Provide mailing envelope.<br>Buyer Comment (2025-08-13): Provided document is wet Signed<br>Reviewer Comment (2025-08-12): Need evidence the 1003 was provided to borrower to be signed. ie; e-consent or mailing envelope.<br>Buyer Comment (2025-08-08): PFA updated 1003 | 08/25/2025 |  |  | 1 C A | XX | FL | Investment | Purchase | C A |  | N/A | No |
| XX | 224310710 | XX | XX |  | 34813700 | 12025062251-3831 | 08/05/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File is missing complete 12-month primary housing history. Prior rental payment statements are not consistent amounts. VOR rental amount does not match amount reflected on Lease Agreement. |  |  |  | Reviewer Comment (2025-08-12): Cleared with VOR completed by the leasing agent and also with bank statements.<br>Buyer Comment (2025-08-11): PFA | 08/12/2025 |  |  | 1 C A | XX | FL | Investment | Purchase | C A |  | N/A | No |
| XX | 224310711 | XX | XX |  | 34813702 | 12025070010-2827 | 08/05/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | File is missing warranty deed transferring ownership to borrower. |  |  |  | Reviewer Comment (2025-08-18): cleared with deed.<br>Buyer Comment (2025-08-14): 08/14-QCD | 08/18/2025 |  |  | 1 D A | XX | CT | Investment | Purchase | D B A |  | N/A | No |
| XX | 224310711 | XX | XX |  | 34813703 | 12025070010-3831 | 08/05/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is currently paying cash to private landlord at primary residence. This does not meet guidelines. Lender exception in file. Compensating factors: FICO score and reserves. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 31.13<br> Guideline Requirement: 2.00<br>Guidelines Representative FICO: 680<br> Representative FICO: 793 | XXXX<br>XXXX | Reviewer Comment (2025-08-27): Waived with compensating factors per lender exception approval at origination. |  |  | 08/27/2025 | 2 C B | XX | CT | Investment | Purchase | D B A |  | N/A | No |
| XX | 224310713 | XX | XX |  | 34813705 | 12025062375-4266 | 08/05/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. | HUD-1 total cash-out of $1,048,170.81 is greater than Guideline total cash-out of $1,000,000.00. | Cash out exceeds $1,000,000 allowed by guidelines. Lender exception in file. Compensating factors: LTV, credit score, and DSCR. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Loan to Value: 54.73684%<br> Guideline Maximum Loan to Value: 70.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: 796 | XXXX<br>XXXX | Reviewer Comment (2025-08-15): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2025-08-13): Please find exception attached. Thank you. |  |  | 08/15/2025 | 2 C B | XX | NY | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XX | 224310714 | XX | XX |  | 34813707 | 12025060975-23089 | 08/05/2025 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | Valuation Type: Appraisal / Valuation Report Date: 06/XX/2025 | Subject property is currently listed as Temporality Off- Market. Listing taking off market not provided in file. |  |  |  | Reviewer Comment (2025-08-13): Cleared with proof of listing removal prior to the application date<br>Buyer Comment (2025-08-11): PFA<br>Reviewer Comment (2025-08-08): No address on the document.<br>Buyer Comment (2025-08-06): PFA | 08/13/2025 |  |  | 1 C A | XX | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XX | 224310714 | XX | XX |  | 34813708 | 12025060975-3831 | 08/05/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Rent is paid to private landlord. Provide 12 months cancelled check/bank statements for primary residence. |  |  |  | Reviewer Comment (2025-08-22): Cleared. 1x30 on housing history is within guidelines.<br>Buyer Comment (2025-08-20): Yes, It is one-month late 1x30, guidelines also permit (PFA Snip) and VOR is also said the same<br>Reviewer Comment (2025-08-18): If rent was paid on 6/25 for May and June, May would be considered 1x30. Please confirm this is what your previous comments are stating prior to updating the loan.<br>Buyer Comment (2025-08-14): Please review page 1 date 25 June and page 3 dated 23 June borrower paid Rent for May and June months.<br>Reviewer Comment (2025-08-13): January through April 2025 received, and what appears to be June 2025 based on the Paypal and Venmo receipt dates. Still need evidence of May of 2025 based on new lease provided.<br>Buyer Comment (2025-08-11): payment till July<br>Buyer Comment (2025-08-11): Updated Contract<br>Buyer Comment (2025-08-11): PFA advance payment of Jan to April as per Contract provided<br>Buyer Comment (2025-08-11): PFA Rental contract of Jan to April<br>Reviewer Comment (2025-08-08): Provide rent checks or bank statements evidencing timely rent payments in the amount of $XXX. Must cover 01/01/2025-07/01/2025.<br>Buyer Comment (2025-08-07): PFA | 08/22/2025 |  |  | 1 C A | XX | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XX | 224310716 | XX | XX |  | 34813714 | 12025061975-767 | 08/05/2025 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Judgments / Balance: 1489.00 | All judgments and liens must be paid in full prior to or at closing. |  |  |  | Reviewer Comment (2025-08-08): Cleared with LOX from title agent and borrower.<br>Buyer Comment (2025-08-06): loe from borrower<br>Buyer Comment (2025-08-06): email from title | 08/08/2025 |  |  | 1 B A | XX | AZ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XX | 224310716 | XX | XX |  | 34813715 | 12025061975-5380 | 08/05/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | The affidavit in file indicating that no operating agreement exists is outdated (2022). |  |  |  | Reviewer Comment (2025-08-12): Cleared.<br>Buyer Comment (2025-08-08): The document does not expire regardless of notary date.<br>Reviewer Comment (2025-08-08): The affidavit in file is out dated. Notary date expired in 2024.<br>Buyer Comment (2025-08-06): Affadavit | 08/12/2025 |  |  | 1 C A | XX | AZ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XX | 224310717 | XX | XX |  | 34813718 | 12025070207-17814 | 08/05/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Declaration section of final 1003 reflects the borrower will occupy the subject property as a primary residence. |  |  |  | Reviewer Comment (2025-08-27): Cleared with corrected 1003.<br>Buyer Comment (2025-08-25): Please see correct signed Final-1003<br>Buyer Comment (2025-08-25): Correct Signed Final-1003.<br>Reviewer Comment (2025-08-19): Provide evidence the updated 1003 was provided to borrower for the correction and signature.<br>Buyer Comment (2025-08-15): Please dis regard doc id 0212<br>Buyer Comment (2025-08-15): Please Refer Doc ID:-0205.<br>Reviewer Comment (2025-08-14): Received additional copy of credit application signed at closing, which indicates borrower intends to occupy subject as primary residence. Please provide corrected final 1003, with evidence it was corrected by borrower, for review of this condition.<br>Buyer Comment (2025-08-12): Please see attached doc.<br>Reviewer Comment (2025-08-11): Provide verification the 1003 was sent to borrower for signature.<br>Buyer Comment (2025-08-07): Please see attached final 1003. | 08/27/2025 |  |  | 1 C A | XX | WA | Investment | Purchase | D A |  | N/A | No |
| XX | 224310717 | XX | XX |  | 34813719 | 12025070207-4747 | 08/05/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Provide a final Settlement Statement signed by the borrower or stamped true and certified. Copies provided are either estimated or they are not signed by the borrower. |  |  |  | Reviewer Comment (2025-08-14): Received<br>Buyer Comment (2025-08-13): PFA<br>Buyer Comment (2025-08-12): Please note that the escrow officer has signed on page 3.<br>Reviewer Comment (2025-08-11): Closing statement is not signed by the borrower nor stamped true and certified.<br>Buyer Comment (2025-08-07): Please see attached settlement statement. | 08/14/2025 |  |  | 1 D A | XX | WA | Investment | Purchase | D A |  | N/A | No |
| XX | 224310718 | XX | XX |  | 34813721 | 12025062462-5205 | 08/05/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Missing OFAC for business entity. |  |  |  | Reviewer Comment (2025-08-11): Cleared with fraud report.<br>Buyer Comment (2025-08-07): fraud | 08/11/2025 |  |  | 1 C A | XX | CA | Investment | Purchase | C A |  | N/A | No |
| XX | 224310718 | XX | XX |  | 34813722 | 12025062462-3831 | 08/05/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Corporate Resolution giving 1 individual full signing authority must be signed by all members of the entity. |  |  |  | Reviewer Comment (2025-08-11): Cleared - Corp Resolution.<br>Buyer Comment (2025-08-07): Corp resolution | 08/11/2025 |  |  | 1 C A | XX | CA | Investment | Purchase | C A |  | N/A | No |
| XX | 224310719 | XX | XX |  | 34813724 | 12025061460-3831 | 08/05/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The settlement statement provided is an estimate. Please provide final signed/stamped settlement statement. |  |  |  | Reviewer Comment (2025-08-11): cleared with final HUD/CS.<br>Buyer Comment (2025-08-07): please see | 08/11/2025 |  |  | 1 C A | XX | CA | Investment | Purchase | C A |  | N/A | No |
| XX | 224310720 | XX | XX |  | 34813726 | 12025062055-767 | 08/05/2025 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Judgments / Balance: 1489.00 | Please provide evidence that the judgment reflected on the background check was paid in full prior to or at closing. |  |  |  | Reviewer Comment (2025-08-14): Received LOE from borrower and email from settlement agent indicating no open judgments against our guarantor.<br>Reviewer Comment (2025-08-11): Need verification that it does not belong to borrower.<br>Buyer Comment (2025-08-07): loe from bwr<br>Buyer Comment (2025-08-07): loe from title | 08/14/2025 |  |  | 1 B A | XX | AZ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XX | 224310720 | XX | XX |  | 34813727 | 12025062055-5380 | 08/05/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | The affidavit in file indicating that no operating agreement exists is outdated (2022). |  |  |  | Reviewer Comment (2025-08-11): Cleared with affidavit.<br>Buyer Comment (2025-08-07): affidavit | 08/11/2025 |  |  | 1 C A | XX | AZ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XX | 224310722 | XX | XX |  | 34813731 | 12025062431-2924 | 08/06/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Full Fraud report is missing from the file and is required. All red flags must be addressed. |  |  |  | Reviewer Comment (2025-08-11): cleared with fraud report.<br>Buyer Comment (2025-08-07): Fraud summary<br>Buyer Comment (2025-08-07): Fraud | 08/11/2025 |  |  | 1 C A | XX | CO | Investment | Purchase | C A |  | N/A | No |
| XX | 224310722 | XX | XX |  | 34813732 | 12025062431-23698 | 08/06/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: XX | Full Fraud report is missing from the file and is required. All red flags must be addressed. |  |  |  | Reviewer Comment (2025-08-11): cleared with fraud report.<br>Buyer Comment (2025-08-07): see attached frraud | 08/11/2025 |  |  | 1 C A | XX | CO | Investment | Purchase | C A |  | N/A | No |
| XX | 224310723 | XX | XX |  | 34813735 | 12025062410-25749 | 08/06/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | File is missing a copy of the final HUD/CD and closing statement. |  |  |  | Reviewer Comment (2025-08-14): cleared with final HUD.<br>Buyer Comment (2025-08-12): final SS | 08/14/2025 |  |  | 1 C A | XX | CA | Investment | Purchase | C A |  | N/A | No |
| XX | 224310723 | XX | XX |  | 34813736 | 12025062410-27012 | 08/06/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.71 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Missing evidence of retirement account with balance of $412,714.50 to include in asset depletion. |  |  |  | Reviewer Comment (2025-08-11): Cleared with assets provided for asset utilization.<br>Buyer Comment (2025-08-07): dscr CALC | 08/11/2025 |  |  | 1 C A | XX | CA | Investment | Purchase | C A |  | N/A | No |
| XX | 224310723 | XX | XX |  | 34813737 | 12025062410-4264 | 08/06/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 2.00. | Missing evidence of retirement account with balance of $412,714.50 to include in asset depletion. |  |  |  | Reviewer Comment (2025-08-11): Cleared with assets recently provided.<br>Buyer Comment (2025-08-07): TSP account | 08/11/2025 |  |  | 1 C A | XX | CA | Investment | Purchase | C A |  | N/A | No |
| XX | 224310723 | XX | XX |  | 34813738 | 12025062410-23086 | 08/06/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $19,899.81 is less than Cash From Borrower $151,009.70. | Missing evidence of retirement account with balance of $412,714.50. |  |  |  | Reviewer Comment (2025-08-11): Cleared with assets recently provided.<br>Buyer Comment (2025-08-07): see attached docs | 08/11/2025 |  |  | 1 C A | XX | CA | Investment | Purchase | C A |  | N/A | No |
| XX | 224310724 | XX | XX |  | 34813740 | 12025060995-3831 | 08/06/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence the primary residence is owned free and clear and property taxes are current. |  |  |  | Reviewer Comment (2025-08-18): cleared with updated 1003 confirming address.<br>Buyer Comment (2025-08-14): D0049 financial statement supports address<br>Buyer Comment (2025-08-14): 1003<br>Reviewer Comment (2025-08-13): Housing history requirement for foreign national borrower: Address from country of origin must be listed on 1003 and file must contain a third-party document with an address that matches the primary residence on the application (lease agreement, utility bill, financial statement, etc)<br>Buyer Comment (2025-08-11): Business purpose foreign national; Per guidelines, a housing history is not required for the Borrower's primary residence. | 08/18/2025 |  |  | 1 C A | XX | FL | Investment | Purchase | C A |  | N/A | No |
| XX | 224310725 | XX | XX |  | 34813741 | 12025062392-28330 | 08/06/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of $XX is less than Guideline minimum loan amount of $125,000.00. | A lender exception approval is apparent in file with compensating factors noted (FICO and DSCR). | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 700<br> Representative FICO: 795 | XXXX | Reviewer Comment (2025-08-11): Waived with compensating factors per lender exception approval at origination.<br>Buyer Comment (2025-08-07): exception |  |  | 08/11/2025 | 2 C B | XX | IL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XX | 224310726 | XX | XX |  | 34813744 | 12025062246-4513 | 08/06/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of Organization/Formation is missing in the file. |  |  |  | Reviewer Comment (2025-08-20): cleared with AOO.<br>Buyer Comment (2025-08-18):XX | 08/20/2025 |  |  | 1 C A | XX | IL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XX | 224310726 | XX | XX |  | 34813745 | 12025062246-4507 | 08/06/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Document provided exceeds 90 days from Note date. |  |  |  | Reviewer Comment (2025-08-20): Cleared with COGS.<br>Buyer Comment (2025-08-18): good standing left corner valid until 07/26/25 | 08/20/2025 |  |  | 1 C A | XX | IL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XX | 224310727 | XX | XX |  | 34813747 | 12025061586-23688 | 08/06/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Policy does not confirm 100% replacement cost. |  |  |  | Reviewer Comment (2025-08-18): cleared with rce<br>Buyer Comment (2025-08-15): 08/15-RCE<br>Buyer Comment (2025-08-14): 08/14-Please see attached RCE | 08/18/2025 |  |  | 1 C A | XX | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XX | 224310733 | XX | XX |  | 34813753 | 12025051169-31591 | 08/07/2025 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | Valuation Type: Appraisal / Valuation Report Date: 06/XX/2025 |  |  |  |  | Reviewer Comment (2025-08-13): Condo review form received.<br>Buyer Comment (2025-08-11): project approval | 08/13/2025 |  |  | 1 C A | XX | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |

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## Exhibit 99.1

**Exhibit 99.1 Schedule 3**

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| |
|:---|
| ![](ex99-1sch3_001.jpg) |
| **Valuation Report** |
| **Run Date - 10/XX/2025 1:45:10 PM** |

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| ASF Loan Number | **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| XX | 223651173 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2025 | 3/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 223953440 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.40 |
| XX | 224065193 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 10/XX/2024 | 9/XX/2024 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
| XX | 224065195 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 10/XX/2024 | 10/XX/2024 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| XX | 224065196 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2001 |  | Stated |  |  |  |  | XX | XX | -6.860% | 8/XX/2021 | 8/XX/2021 | Drive By | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -6.860% | XX | 8/XX/2021 | 8/XX/2021 |  |  |  |  |  | N/A |  |  |
| XX | 224065197 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2021 | 3/XX/2021 | Appraisal | XX | XX | XX |  | XX | XX | -4.290% | 4/XX/2021 | 3/XX/2021 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XX | 224065198 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 10/XX/2024 | 10/XX/2024 | Appraisal | XX | XX | XX |  | XX | XX | 0.200% | 10/XX/2024 | 10/XX/2024 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224065201 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 10/XX/2024 | 10/XX/2024 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 10/XX/2024 | 10/XX/2024 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224065209 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 3/XX/2025 | 2/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224065210 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 2/XX/2025 | 2/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| XX | 224065211 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 2/XX/2025 | 2/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224065212 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 3/XX/2025 | 3/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224065215 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 2/XX/2025 | 2/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224065231 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 10/XX/2024 | 9/XX/2024 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 9/XX/2024 | 9/XX/2024 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224065232 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 12/XX/2024 | 11/XX/2024 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 11/XX/2024 | 11/XX/2024 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224065233 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 11/XX/2024 | 11/XX/2024 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 11/XX/2024 | 11/XX/2024 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224065237 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 2/XX/2025 | 2/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224065241 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 2/XX/2025 | 1/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224065242 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 2/XX/2025 | 2/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 2/XX/2025 | 2/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XX | 224081987 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 4/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224081992 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 4/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224081994 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  | XX | XX | -4.960% | 5/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224081998 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082000 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 4/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082001 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082002 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 3/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XX | 224082004 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 2/XX/2025 | 1/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 1/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082007 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082008 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 4/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| XX | 224082010 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2025 | 3/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 4/XX/2025 | 3/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 |  |
| XX | 224082013 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 3/XX/2025 | Appraisal | XX | XX | XX |  | XX | XX | -7.140% | 5/XX/2025 | 3/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082014 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XX | 224082015 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082018 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 2/XX/2025 | 1/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2025 | 1/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| XX | 224082020 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082032 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082033 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082038 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082039 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082042 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082044 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082047 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082052 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XX | 224082057 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082059 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082064 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082065 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XX | 224082067 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XX | 224082068 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082073 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082074 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082076 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082083 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082084 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 4/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XX | 224082090 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XX | 224082113 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082114 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082115 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082116 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | XX | 0.720% | 6/XX/2025 | 6/XX/2025 | Appraisal | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| XX | 224082120 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082124 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XX | 224082125 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082128 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 3/XX/2025 | 3/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 3/XX/2025 | 3/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XX | 224082132 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082133 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082135 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082139 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.90 |
| XX | 224082140 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 5.00 |
| XX | 224082141 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082144 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082146 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XX | 224082148 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XX | 224082150 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| XX | 224082152 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082155 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082156 | XX | XX |  | XX | XX |  | XX |  | XX | XX | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2025 | 5/XX/2025 | Desk Review | XX |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082164 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
| XX | 224082165 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XX | 224082166 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XX | 224082168 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082170 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.80 |
| XX | 224082173 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XX | 224082174 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082178 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XX | 224082179 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082180 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082182 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XX | 224082183 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XX | 224082184 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082185 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082186 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| XX | 224082187 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082188 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082190 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082191 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  | XX | XX | -0.040% | 6/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| XX | 224082192 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XX | 224082195 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 3/XX/2025 | Appraisal | XX | XX | XX |  | XX | XX | -5.410% | 5/XX/2025 | 3/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082196 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XX | 224082197 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| XX | 224082198 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082200 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082201 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082202 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | XX | -9.300% | 7/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082203 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082205 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082207 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| XX | 224082209 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| XX | 224082210 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082212 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XX | 224082213 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XX | 224082214 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XX | 224082215 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XX | 224082218 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 7/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 7/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082219 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082220 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| XX | 224082221 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XX | 224082224 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 7/XX/2025 | 7/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| XX | 224082227 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 7/XX/2025 | 7/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| XX | 224082228 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 7/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082229 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082233 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 7/XX/2025 | 7/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| XX | 224082235 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 7/XX/2025 | 7/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XX | 224082237 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 2/XX/2025 | 1/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 2/XX/2025 | 1/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082238 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2025 | 2/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 2/XX/2025 | 2/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 5.00 |
| XX | 224082247 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 3/XX/2025 | 3/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082248 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| XX | 224082249 | XX | XX |  | XX | XX |  | XX |  | XX | XX | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2025 | 4/XX/2025 | Desk Review | XX |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082250 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| XX | 224082251 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2025 | 3/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 4/XX/2025 | 3/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082252 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 3/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XX | 224082257 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| XX | 224082262 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 3/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.30 |
| XX | 224082266 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XX | 224082276 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2025 | 3/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082279 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082284 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| XX | 224082285 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XX | 224082287 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082288 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.80 |
| XX | 224082294 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082295 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| XX | 224082296 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082298 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 2/XX/2025 | 2/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 3/XX/2025 | 2/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.20 |
| XX | 224082300 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | XX | -12.670% | 6/XX/2025 | 5/XX/2025 | Desk Review | XX |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
| XX | 224082302 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 3/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 3/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082317 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082318 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082319 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082322 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082334 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| XX | 224082341 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  | XX | XX | -8.330% | 5/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.60 |
| XX | 224082345 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082349 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| XX | 224082350 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2025 | 2/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2025 | 2/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082351 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082355 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082356 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| XX | 224082357 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XX | 224082363 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082364 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| XX | 224082369 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082372 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
| XX | 224082374 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
| XX | 224082376 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| XX | 224082379 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082380 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 3/XX/2025 | Appraisal | XX | XX | XX |  | XX | XX | -2.330% | 3/XX/2025 | 3/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| XX | 224082385 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082386 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 4/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082388 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| XX | 224082389 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| XX | 224082390 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| XX | 224082395 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 4/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082396 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082400 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082401 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| XX | 224082405 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| XX | 224082416 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082418 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XX | 224082419 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | XX | -7.320% | 6/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.50 |
| XX | 224082421 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082423 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.60 |
| XX | 224082430 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 3/XX/2025 | Appraisal | XX | XX | XX |  | XX | XX | -9.520% | 4/XX/2025 | 3/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082439 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082440 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XX | 224082448 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082457 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082459 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | XX | -2.420% | 4/XX/2025 | 4/XX/2025 | AVM | XX | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082466 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| XX | 224082467 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2025 |  | Stated |  |  |  |  | XX | XX | 7.170% | 5/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082469 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XX | 224082474 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082480 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 4/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082481 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082482 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082484 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082485 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082486 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082489 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XX | 224082492 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| XX | 224082496 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082497 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 7/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 7/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082498 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 7/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 7/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082500 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 7/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 7/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082501 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 7/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.40 |
| XX | 224082502 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 7/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XX | 224082503 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 7/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082504 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 7/XX/2025 | 7/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082505 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 7/XX/2025 | 7/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XX | 224082506 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 7/XX/2025 | 7/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 7/XX/2025 | 7/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082507 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 7/XX/2025 | 7/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XX | 224082515 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2025 | 2/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 2/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082516 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XX | 224082517 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082521 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 4/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082523 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 3/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082524 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XX | 224082672 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 7/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XX | 224082673 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| XX | 224082674 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082675 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XX | 224082678 | XX | XX |  | XX | XX | XX | XX |  | XX | XX | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| XX | 224082679 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082680 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082681 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| XX | 224082698 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XX | 224082699 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 7/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| XX | 224082700 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2024 | 6/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| XX | 224082701 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XX | 224082708 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XX | 224082744 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2025 | 3/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 3/XX/2025 | 3/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XX | 224082745 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XX | 224082746 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224082747 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224082750 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XX | 224082752 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224310647 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| XX | 224310649 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.50 |
| XX | 224310650 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224310651 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224310653 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224310654 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XX | 224310655 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224310656 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XX | 224310657 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224310659 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224310660 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.60 |
| XX | 224310661 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 2/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 7/XX/2025 | 2/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.00 |
| XX | 224310663 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 7/XX/2025 | 7/XX/2024 | Appraisal | XX | XX | XX |  | XX | XX | 15.560% | 6/XX/2025 | 6/XX/2025 | Appraisal | XX |  |  |  |  |  |  |  |  | XX | XX | -13.330% | XX High | 6/XX/2025 | 6/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224310664 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| XX | 224310666 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 7/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 7/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| XX | 224310667 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| XX | 224310668 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 7/XX/2025 | 7/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 7/XX/2025 | 7/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224310670 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XX | 224310673 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224310675 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XX | 224310677 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 3/XX/2025 | 1/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 8/XX/2025 | 1/XX/2025 | Field Review | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224310678 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
| XX | 224310679 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 5/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224310680 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224310681 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| XX | 224310682 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XX | 224310691 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 4/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 4/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.50 |
| XX | 224310699 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224310700 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 7/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224310701 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 7/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 7/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224310702 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224310703 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 7/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224310705 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.00 |
| XX | 224310706 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224310707 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  | XX | XX | -7.280% | 6/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224310708 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224310710 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 7/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224310711 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 7/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 7/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XX | 224310713 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 7/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224310714 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 4/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 4/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224310716 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 7/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224310717 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 7/XX/2025 | 7/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 7/XX/2025 | 7/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| XX | 224310718 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 7/XX/2025 | 7/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224310719 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 5/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XX | 224310720 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 7/XX/2025 | 7/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224310722 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 7/XX/2025 | 7/XX/2025 | Appraisal | XX | XX | XX |  | XX | XX | -0.200% | 7/XX/2025 | 7/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| XX | 224310723 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 7/XX/2025 | 7/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XX | 224310724 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 7/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| XX | 224310725 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 7/XX/2025 | 7/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XX | 224310726 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 7/XX/2025 | 7/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XX | 224310727 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 7/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 7/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224310728 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.20 |
| XX | 224310730 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 7/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224310731 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 7/XX/2025 | 7/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 7/XX/2025 | 7/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224310732 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 7/XX/2025 | 7/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XX | 224310733 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 6/XX/2025 | 5/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 6/XX/2025 | 5/XX/2025 | Desk Review | XX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XX | 224310734 | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | 7/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 7/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.80 |
| XX | 224310735 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 7/XX/2025 | 7/XX/2025 | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| XX | 224310739 | XX | XX |  | XX | XX |  | XX |  | $0.00 | 0.000% | XX | 7/XX/2025 | 6/XX/2025 | Appraisal | XX | XX | XX |  | XX | $0.00 | 0.000% | 7/XX/2025 | 6/XX/2025 | Desk Review | XX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.50 |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 4**

---

| |
|:---|
| ![](ex99-1sch4_001.jpg) |
| **ASF Addendum - Business Purpose** |
| **Run Date - 10/28/2025 1:45:15 PM** |

---

---

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| ASF Loan Number | **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Seller Name** | **Originator Name** | **Guideline Author** | **Loan Program** | **Loan Program Date** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Rental Purpose** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DTI Calculation** | **Calculated Monthly Debt** | **Property DTI** | **Investor DTI** | **Inverse DSCR** | **Net Operating Income** | **Total Debt Service** | **DSCR** | **Total DSCR** | **PITIA** | **Lease End Date** | **Original Lease Term** | **Lease in Place Flag Unit 1** | **Lease Start Date Unit 1** | **Lease End Date Unit 1** | **Original Lease Term Unit 1** | **Rental Purpose Unit 1** | **Actual In Place Rent Unit 1** | **Third Party Market Rent Estimate Unit 1** | **Lease in Place Flag Unit 2** | **Lease Start Date Unit 2** | **Lease End Date Unit 2** | **Original Lease Term Unit 2** | **Rental Purpose Unit 2** | **Actual In Place Rent Unit 2** | **Third Party Market Rent Estimate Unit 2** | **Lease in Place Flag Unit 3** | **Lease Start Date Unit 3** | **Lease End Date Unit 3** | **Original Lease Term Unit 3** | **Rental Purpose Unit 3** | **Actual In Place Rent Unit 3** | **Third Party Market Rent Estimate Unit 3** | **Lease in Place Flag Unit 4** | **Lease Start Date Unit 4** | **Lease End Date Unit 4** | **Original Lease Term Unit 4** | **Rental Purpose Unit 4** | **Actual In Place Rent Unit 4** | **Third Party Market Rent Estimate Unit 4** | **Lease in Place Flag Unit 5** | **Lease Start Date Unit 5** | **Lease End Date Unit 5** | **Original Lease Term Unit 5** | **Rental Purpose Unit 5** | **Actual In Place Rent Unit 5** | **Third Party Market Rent Estimate Unit 5** | **Lease in Place Flag Unit 6** | **Lease Start Date Unit 6** | **Lease End Date Unit 6** | **Original Lease Term Unit 6** | **Rental Purpose Unit 6** | **Actual In Place Rent Unit 6** | **Third Party Market Rent Estimate Unit 6** | **Lease in Place Flag Unit 7** | **Lease Start Date Unit 7** | **Lease End Date Unit 7** | **Original Lease Term Unit 7** | **Rental Purpose Unit 7** | **Actual In Place Rent Unit 7** | **Third Party Market Rent Estimate Unit 7** | **Lease in Place Flag Unit 8** | **Lease Start Date Unit 8** | **Lease End Date Unit 8** | **Original Lease Term Unit 8** | **Rental Purpose Unit 8** | **Actual In Place Rent Unit 8** | **Third Party Market Rent Estimate Unit 8** | **Lease in Place Flag Unit 9** | **Lease Start Date Unit 9** | **Lease End Date Unit 9** | **Original Lease Term Unit 9** | **Rental Purpose Unit 9** | **Actual In Place Rent Unit 9** | **Third Party Market Rent Estimate Unit 9** | **Lease in Place Flag Unit 10** | **Lease Start Date Unit 10** | **Lease End Date Unit 10** | **Original Lease Term Unit 10** | **Rental Purpose Unit 10** | **Actual In Place Rent Unit 10** | **Third Party Market Rent Estimate Unit 10** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **HOA Flag** | **HOA Monthly Premium Amount** | **Monthly Property Tax** | **Monthly Insurance Cost** | **Asset Verification** | **Blanket Mortgage Flag** | **Number of Mortgaged Properties With Lender** | **Number of Properties** | **Foreign National Alternative Credit Documentation** | **Foreign National Borrower 1** | **Foreign National Borrower 2** | **Investor Type** | **Number of Years Property Owned** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Qualifying Credit Score** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Months Deed in Lieu** | **Months Short Sale or Pre FC** | **Prior Mtg Rent Late 30d in 12m** | **Prior Mtg Rent Late 60d in 12m** | **Prior Mtg Rent Late 90d in 12m** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Section 8** | **Street Address** | **Borrower 1 Type** | **Borrower 1 Designation** | **Borrower 1 Employment Status** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 1 Number of Mortgaged Properties** | **Borrower 1 Citizenship** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 1 Country Name** | **Borrower 1 Asset Verification Level** | **Borrower 1 Credit Order Date** | **Borrower 1 Experian FICO** | **Borrower 1 Experian FICO Model Used** | **Borrower 1 Equifax FICO** | **Borrower 1 Equifax FICO Model Used** | **Borrower 1 TransUnion FICO** | **Borrower 1 TransUnion FICO Model Used** | **Borrower 2 Type** | **Borrower 2 Designation** | **Borrower 2 Employment Status** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 2 Number of Mortgaged Properties** | **Borrower 2 Citizenship** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 2 Country Name** | **Borrower 2 Asset Verification Level** | **Borrower 2 Credit Order Date** | **Borrower 2 Experian FICO** | **Borrower 2 Experian FICO Model Used** | **Borrower 2 Equifax FICO** | **Borrower 2 Equifax FICO Model Used** | **Borrower 2 TransUnion FICO** | **Borrower 2 TransUnion FICO Model Used** | **Borrower 3 Designation** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 3 Number of Mortgaged Properties** | **Borrower 3 Citizenship** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 3 Country Name** | **Borrower 3 Asset Verification Level** | **Borrower 3 Credit Order Date** | **Borrower 3 Experian FICO** | **Borrower 3 Experian FICO Model Used** | **Borrower 3 Equifax FICO** | **Borrower 3 Equifax FICO Model Used** | **Borrower 3 TransUnion FICO** | **Borrower 3 TransUnion FICO Model Used** | **Borrower 4 Designation** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 4 Number of Mortgaged Properties** | **Borrower 4 Citizenship** | **Borrower 4 Documentation Used to Determine Legal Residency** | **Borrower 4 Country Name** | **Borrower 4 Asset Verification Level** | **Borrower 4 Credit Order Date** | **Borrower 4 Experian FICO** | **Borrower 4 Experian FICO Model Used** | **Borrower 4 Equifax FICO** | **Borrower 4 Equifax FICO Model Used** | **Borrower 4 TransUnion FICO** | **Borrower 4 TransUnion FICO Model Used** | **Personal Guarantee** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 1 Business Ownership Percent** | **Guarantor 1 Recourse Type** | **Guarantor 1 Number of Mortgaged Properties** | **Guarantor 1 Citizenship** | **Guarantor 1 Documentation Used to Determine Legal Residency** | **Guarantor 1 Country Name** | **Guarantor 1 Asset Verification Level** | **Guarantor 1 Employment Verification Level** | **Guarantor 1 Income Verification Level** | **Guarantor 1 FICO Model Used** | **Guarantor 1 Credit Order Date** | **Guarantor 1 Experian FICO** | **Guarantor 1 Experian FICO Model Used** | **Guarantor 1 Equifax FICO** | **Guarantor 1 Equifax FICO Model Used** | **Guarantor 1 TransUnion FICO** | **Guarantor 1 TransUnion FICO Model Used** | **Guarantor 1 Most Recent Fico Method** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** | **Guarantor 2 Business Ownership Percent** | **Guarantor 2 Recourse Type** | **Guarantor 2 Number of Mortgaged Properties** | **Guarantor 2 Citizenship** | **Guarantor 2 Documentation Used to Determine Legal Residency** | **Guarantor 2 Country Name** | **Guarantor 2 Asset Verification Level** | **Guarantor 2 Employment Verification Level** | **Guarantor 2 Income Verification Level** | **Guarantor 2 FICO Model Used** | **Guarantor 2 Credit Order Date** | **Guarantor 2 Experian FICO** | **Guarantor 2 Experian FICO Model Used** | **Guarantor 2 Equifax FICO** | **Guarantor 2 Equifax FICO Model Used** | **Guarantor 2 TransUnion FICO** | **Guarantor 2 TransUnion FICO Model Used** | **Guarantor 2 Most Recent Fico Method** | **Guarantor 3 First Name** | **Guarantor 3 Last Name** | **Guarantor 3 Business Ownership Percent** | **Guarantor 3 Recourse Type** | **Guarantor 3 Number of Mortgaged Properties** | **Guarantor 3 Citizenship** | **Guarantor 3 Documentation Used to Determine Legal Residency** | **Guarantor 3 Country Name** | **Guarantor 3 Asset Verification Level** | **Guarantor 3 Employment Verification Level** | **Guarantor 3 Income Verification Level** | **Guarantor 3 FICO Model Used** | **Guarantor 3 Credit Order Date** | **Guarantor 3 Experian FICO** | **Guarantor 3 Experian FICO Model Used** | **Guarantor 3 Equifax FICO** | **Guarantor 3 Equifax FICO Model Used** | **Guarantor 3 TransUnion FICO** | **Guarantor 3 TransUnion FICO Model Used** | **Guarantor 3 Most Recent Fico Method** | **Guarantor 4 First Name** | **Guarantor 4 Last Name** | **Guarantor 4 Business Ownership Percent** | **Guarantor 4 Recourse Type** | **Guarantor 4 Number of Mortgaged Properties** | **Guarantor 4 Citizenship** | **Guarantor 4 Documentation Used to Determine Legal Residency** | **Guarantor 4 Country Name** | **Guarantor 4 Asset Verification Level** | **Guarantor 4 Employment Verification Level** | **Guarantor 4 Income Verification Level** | **Guarantor 4 FICO Model Used** | **Guarantor 4 Credit Order Date** | **Guarantor 4 Experian FICO** | **Guarantor 4 Experian FICO Model Used** | **Guarantor 4 Equifax FICO** | **Guarantor 4 Equifax FICO Model Used** | **Guarantor 4 TransUnion FICO** | **Guarantor 4 TransUnion FICO Model Used** | **Guarantor 4 Most Recent Fico Method** | **Authorized Signor 1 First Name** | **Authorized Signor 1 Last Name** | **Authorized Signor 2 First Name** | **Authorized Signor 2 Last Name** | **Member 1 First Name** | **Member 1 Last Name** | **Member 1 Documentation Used to Determine Legal Residency** | **Member 1 Credit Order Date** | **Member 1 Experian FICO** | **Member 1 Experian FICO Model Used** | **Member 1 Equifax FICO** | **Member 1 Equifax FICO Model Used** | **Member 1 TransUnion FICO** | **Member 1 TransUnion FICO Model Used** | **Member 1 Asset Verification Level** | **Member 1 Employment Verification Level** | **Member 1 Income Verification Level** | **Member 2 First Name** | **Member 2 Last Name** | **Member 2 Documentation Used to Determine Legal Residency** | **Member 2 Credit Order Date** | **Member 2 Experian FICO** | **Member 2 Experian FICO Model Used** | **Member 2 Equifax FICO** | **Member 2 Equifax FICO Model Used** | **Member 2 TransUnion FICO** | **Member 2 TransUnion FICO Model Used** | **Member 2 Asset Verification Level** | **Member 2 Employment Verification Level** | **Member 2 Income Verification Level** | **Loan Application Date** | **Sales Contract Date** | **Qualifying Home Value for LTV** | **Number of Units** | **Year Built** | **Total Sq Ft** | **Number of Bedrooms** | **Number of Bathrooms** | **Property Condition** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Investment Property Original As Is LTV** | **As Is Value** | **After Repair Value** | **After Repair Value LTV** | **Loan to Cost** | **Original Sales Price** | **Assignment Fee** | **Loan to Purchase Price** | **SBC Occupancy** | **Investment Property Type** | **Has Dutch Interest** | **Interest Reserves Escrowed** | **Guarantor 1 ITIN Flag** | **Guarantor 2 ITIN Flag** | **Guarantor 3 ITIN Flag** | **Guarantor 4 ITIN Flag** |
| XX | 223651173 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $3600.00 | 1004/70 | $3600.00 | Third Party Rental Source | $3090.70 |  | 0.000000 | 0.86 |  |  | 1.16 | 1.16 | $3090.70 |  |  | No |  |  |  | Long Term |  | $3600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $241.91 | $187.85 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  | No | Experienced Investor | 55.08 |  | US Citizen | 690 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Trust | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  | Individual | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 02/28/2025 | 717 | Fair Isaac (VER. 2) | 672 | FICO Classic V5 Facta | 690 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2/XX/2025 |  | XX | 1 | 1952 | 1606 | 3 | 3 | C3 |  | $0.00 |  |  |  |  |  |  |  | 48.780% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224065196 | XX | XX |  |  | XX | XX | XX | XX | Yes |  |  |  |  |  |  |  | $2900.01 |  | 0.482837 |  |  |  |  |  | $2900.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $608.36 | $64.83 | Level 3-Stated/Partially Verified |  |  |  | No | No |  |  | 5.33 | US Citizen |  | 765 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Individual | Individual | Retired | XX | XX | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | 05/18/2021 | 776 | FICO II | 765 | Beacon 5 | 727 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2021 |  | XX | 1 |  |  |  |  |  |  |  | $6702.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224065197 | XX | XX |  |  | XX | XX | XX | XX | Yes |  |  |  |  |  |  |  | $5539.48 |  | 0.247235 |  |  |  |  |  | $5539.48 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $1418.62 | $241.78 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  | 8.53 | US Citizen |  | 754 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Individual | Trustee | Employed | XX | XX | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | 03/26/2021 | 749 | Fair Isaac (VER. 2) | 785 | FICO Classic V5 Facta | 754 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/XX/2020 |  | XX | 3 | 1913 | 3528 | 7 | 6 | Good |  |  | $55869.09 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224065209 | XX | XX |  |  | XX | XX | XX | XX | Yes |  |  |  |  |  |  |  | $3282.63 |  | 0.251575 |  |  |  |  |  | $3282.63 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $457.00 | $386.90 | Level 3-Stated/Partially Verified |  |  |  | No | No |  |  |  | US Citizen |  | 767 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Individual | Individual | Employed | XX | XX | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 01/28/2025 | 767 | Fair Isaac (VER. 2) | 778 | FICO Classic V5 Facta | 766 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2/XX/2025 |  | XX | 1 | 1974 | 1606 | 3 | 2.1 | C2 | XX |  | $9525.47 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224065211 | XX | XX |  |  | XX | XX | XX | XX | Yes |  |  |  |  |  |  |  | $7425.78 |  | 0.336162 |  |  |  |  |  | $7425.78 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $1145.83 | $126.86 | Level 3-Stated/Partially Verified |  |  |  | No | No |  |  |  | US Citizen |  | 756 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Individual | Individual | Employed | XX | XX | 7 | US Citizen |  |  | Level 3-Stated/Partially Verified | 02/10/2025 | 756 | Fair Isaac (VER. 2) | 730 | FICO Classic V5 Facta | 763 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3/XX/2025 |  | XX | 1 | 1922 | 1646 | 2 | 2 | C4 | XX |  | $80819.75 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224065212 | XX | XX |  |  | XX | XX | XX | XX | Yes |  |  |  |  |  |  |  | $4479.54 |  | 0.356710 |  |  |  |  |  | $4479.54 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $503.70 | $689.58 | Level 3-Stated/Partially Verified |  |  |  | No | No | No |  |  | US Citizen | US Citizen | 766 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Individual | Individual | Employed | XX | XX | 3 | US Citizen |  |  | Level 3-Stated/Partially Verified | 02/24/2025 | 808 | Fair Isaac (VER. 2) | 746 | FICO Classic V5 Facta | 769 | FICO Risk Score Classic 04 | Individual | Individual | Employed | XX | XX | 3 | US Citizen |  |  | Level 3-Stated/Partially Verified | 02/24/2025 | 797 | Fair Isaac (VER. 2) | 741 | FICO Classic V5 Facta | 766 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2/XX/2025 |  | XX | 1 | 1966 | 963 | 2 | 2 | C3 | XX |  | $19979.42 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224065231 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $5000.00 | $6400.00 | 1025/72 | $5000.00 | Rent on Existing Lease | $3950.70 |  | 0.000000 | 0.79 |  |  | 1.27 | 1.27 | $3950.70 |  |  | Yes | 03/01/2024 | 03/01/2025 | 12 | Long Term | $1050.00 | $1350.00 | Yes | 05/01/2024 | 05/01/2025 | 12 | Long Term | $1200.00 | $1350.00 | Yes | 10/01/2024 | 10/01/2025 | 12 | Long Term | $1250.00 | $1850.00 | Yes | 06/01/2024 | 05/31/2025 | 12 | Long Term | $1500.00 | $1850.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $522.30 | $320.36 | Level 4-Stated/Verified as defined | No | 2 | 2 | No |  |  | Experienced Investor | 21.77 |  |  | 708 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined |  |  | Classic | 09/04/2024 | 731 | Fair Isaac (VER. 2) | 692 | FICO Classic V5 Facta | 708 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9/XX/2024 |  | XX | 4 | 1890 | 4231 | 6 | 4.2 | Good |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  |  |
| XX | 224065232 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $4000.00 | $4000.00 | 1004/70 | $4000.00 | Rent on Existing Lease | $3705.51 |  | 0.000000 | 0.93 |  |  | 1.08 | 1.08 | $3705.51 |  |  | Yes | 11/01/2024 | 10/31/2026 | 24 | Long Term | $4000.00 | $4000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $68847.00 | No |  | $656.26 | $188.33 | Level 3-Stated/Partially Verified | No | 1 | 1 | No | No |  | First-Time Investor |  | US Citizen |  | 798 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 11/01/2024 | 808 | FICO II | 796 | Beacon 5 | 798 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/XX/2024 | 10/XX/2024 | XX | 1 | 2004 | 2674 | 4 | 2.1 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 64.519% | XX |  |  | 65.000% |  |  | 65.000% |  |  |  |  |  |  |  |  |
| XX | 224065233 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $1800.00 | 1004/70 | $1800.00 | Third Party Rental Source | $1697.95 |  | 0.000000 | 0.94 |  |  | 1.06 | 1.06 | $1697.95 |  |  | No |  |  |  | Long Term |  | $1800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $20000.00 | No |  | $346.28 | $94.64 | Level 3-Stated/Partially Verified | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 747 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 11/14/2024 | 758 | Fair Isaac (VER. 2) | 734 | FICO Classic V5 Facta | 747 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/XX/2024 | 11/XX/2024 | XX | 1 | 1997 | 1460 | 2 | 2.1 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 66.182% | XX |  |  | 70.000% |  |  | 70.000% |  |  |  |  |  |  |  |  |
| XX | 224065237 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $1300.00 | $1400.00 | 1004/70 | $1300.00 | Rent on Existing Lease | $1047.60 |  | 0.000000 | 0.81 |  |  | 1.24 | 1.24 | $1047.60 |  |  | Yes | 05/03/2024 | 04/30/2025 | 11 | Long Term | $1300.00 | $1400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $51420.00 | No |  | $192.24 | $133.58 | Level 4-Stated/Verified as defined | No | 1 | 4 | No |  |  | Experienced Investor | 2.89 |  |  | 767 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 50.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified |  |  | Classic | 02/26/2025 | 767 | Fair Isaac (VER. 2) | 739 | FICO Classic V5 Facta | 792 | FICO Risk Score Classic 04 | 3 | XX | XX | 50.00% | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified |  |  | Classic | 02/06/2025 | 696 | Fair Isaac (VER. 2) | 694 | FICO Classic V5 Facta | 714 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2/XX/2025 |  | XX | 1 | 1935 | 1449 | 3 | 1.1 | C4 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | XX |  |  | 155.000% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224065241 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term | $0.00 | $3800.00 | 1004/70 | $3800.00 | Third Party Rental Source | $3260.57 |  | 0.000000 | 0.85 |  |  | 1.16 | 1.16 | $3260.57 |  |  | No |  |  |  | Long Term | $0.00 | $3800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $80400.00 | No |  | $1019.77 | $127.33 | Level 3-Stated/Partially Verified | No | 1 | 1 | No |  |  | Experienced Investor |  |  |  | 725 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX |  | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined |  |  | Classic | 02/26/2025 | 727 | Fair Isaac (VER. 2) | 687 | FICO Classic V5 Facta | 725 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2/XX/2025 | 1/XX/2025 | XX | 1 | 1957 | 1314 | 3 | 2 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 58.286% | XX |  |  | 60.000% |  |  | 60.000% |  |  |  |  |  |  |  |  |
| XX | 224065242 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $2200.00 | $2200.00 | 1025/72 | $2200.00 | Rent on Existing Lease | $2016.17 |  | 0.000000 | 0.91 |  |  | 1.09 | 1.09 | $2016.17 |  |  | Yes | 02/01/2025 | 01/31/2026 | 12 | Long Term | $1100.00 | $1100.00 | Yes | 02/01/2025 | 01/31/2026 | 12 | Long Term | $1100.00 | $1100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $25440.00 | No |  | $92.80 | $125.89 | Level 4-Stated/Verified as defined | No | 1 | 4 | No | No | No | Experienced Investor |  | US Citizen | US Citizen | 787 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | 02/06/2025 | 735 | Fair Isaac (VER. 2) | 754 | FICO Classic V5 Facta | 733 | FICO Risk Score Classic 04 | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 02/06/2025 | 792 | Fair Isaac (VER. 2) | 783 | FICO Classic V5 Facta | 787 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2/XX/2025 |  | XX | 2 | 1956 | 1224 | 2 | 2 | Good |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224081987 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $2300.00 | 1025/72 | $2300.00 | Third Party Rental Source | $2273.59 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $2273.59 |  |  | No |  |  |  | Long Term |  | $1150.00 | No |  |  |  | Long Term |  | $1150.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $17040.00 | No |  | $325.28 | $161.01 | Level 1-Not Stated/Not Verified | No | 1 | 6 | No |  |  | Experienced Investor | 0.00 |  |  | 763 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 6 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 12/30/2024 | 764 | Fair Isaac (VER. 2) | 731 | FICO Classic V5 Facta | 763 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2025 |  | XX | 2 | 1931 | 1428 | 2 | 2 | Average |  | $0.00 |  |  |  |  |  |  |  | 85.000% | XX |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  |  |
| XX | 224081992 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Short Term |  | $8000.00 | 1004/70 | $8000.00 | Third Party Rental Source | $7157.15 |  | 0.000000 | 0.89 |  |  | 1.12 | 1.12 | $7157.15 |  |  | No |  |  |  | Short Term |  | $8000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Yes | $188.00 | $791.59 | $315.17 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  |  | Experienced Investor |  |  |  | 775 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 50.00% | Full Recourse | 5 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/04/2025 | 775 | Fair Isaac (VER. 2) | 747 | FICO Classic V5 Facta | 783 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2025 | 4/XX/2025 | XX | 1 | 2019 | 2059 | 4 | 3.1 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| XX | 224081994 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $2100.00 | 1025/72 | $2100.00 | Third Party Rental Source | $1462.91 |  | 0.000000 | 0.7 |  |  | 1.44 | 1.44 | $1462.91 |  |  | No |  |  |  | Long Term |  | $1050.00 | No |  |  |  | Long Term |  | $1050.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $27500.00 | No |  | $215.36 | $198.83 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | Experienced Investor |  |  |  | 756 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/15/2025 | 770 | FICO II | 756 | Beacon 5 | 749 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2025 | 4/XX/2025 | XX | 2 | 1974 | 1822 | 4 | 2 | C4 | XX | $0.00 |  |  |  |  |  |  |  | 62.744% | XX |  |  | 81.198% |  |  | 81.198% |  |  |  |  |  |  |  |  |
| XX | 224081998 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $5000.00 | 1073/465 | $7000.00 | Multiple Sources | $5503.65 |  | 0.000000 | 0.79 |  |  | 1.27 | 1.27 | $5503.65 |  |  | No |  |  |  | Long Term |  | $5000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Yes | $1811.00 | $623.39 | $158.33 | Level 1-Not Stated/Not Verified | No | 1 | 2 | No |  |  | Experienced Investor |  |  |  | 768 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 2-Stated/Not Verified | Classic | 04/07/2025 | 761 | Fair Isaac (VER. 2) | 768 | FICO Classic V5 Facta | 774 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2025 | 4/XX/2025 | XX | 1 | 2014 | 1195 | 4 | 2 | C3 | XX | $0.00 | $2000.00 |  |  |  |  |  |  | 69.605% | XX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| XX | 224082000 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $5400.00 | 1025/72 | $5400.00 | Third Party Rental Source | $3870.69 |  | 0.000000 | 0.72 |  |  | 1.40 | 1.4 | $3870.69 |  |  | No |  |  |  | Long Term |  | $2500.00 | No |  |  |  | Long Term |  | $1450.00 | No |  |  |  | Long Term |  | $1450.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $60990.00 | No |  | $437.50 | $251.76 | Level 3-Stated/Partially Verified | No | 1 | 1 | No |  |  | Experienced Investor | 0.94 |  |  | 743 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/04/2025 | 756 | FICO II | 743 | Beacon 5 | 739 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2025 |  | XX | 3 | 1928 | 2985 | 5 | 4 | C3 |  | $0.00 |  |  |  |  |  |  |  | 80.531% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224082001 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $2600.00 | 1004/70 | $2600.00 | Third Party Rental Source | $2330.50 |  | 0.000000 | 0.9 |  |  | 1.12 | 1.12 | $2330.50 |  |  | No |  |  |  | Long Term |  | $2600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $35500.00 | No |  | $354.17 | $120.81 | Level 3-Stated/Partially Verified | No | 1 | 5 | No | No |  | Experienced Investor |  | US Citizen |  | 748 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 4 | US Citizen |  |  | Level 3-Stated/Partially Verified | 04/30/2025 | 767 | Fair Isaac (VER. 2) | 748 | FICO Classic V5 Facta | 747 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 | 4/XX/2025 | XX | 1 | 1947 | 1790 | 2 | 3 | C4 | XX | $0.00 |  |  |  |  |  |  |  | 77.714% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| XX | 224082002 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $2700.00 | 1004/70 | $2700.00 | Third Party Rental Source | $3510.42 |  | 0.000000 | 1.3 |  |  | 0.77 | 0.77 | $3510.42 |  |  | No |  |  |  | Long Term |  | $2700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Yes | $489.00 | $498.00 | $223.00 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 706 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 02/28/2025 | 706 | Fair Isaac (VER. 2) | 716 | FICO Classic V5 Facta | 639 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2025 | 2/XX/2025 | XX | 1 | 2002 | 1837 | 4 | 3 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 70.000% | XX |  |  | 52.305% |  |  | 52.305% |  |  |  |  |  |  |  |  |
| XX | 224082004 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $2760.00 | 1004/70 | $2760.00 | Third Party Rental Source | $2264.00 |  | 0.000000 | 0.82 |  |  | 1.22 | 1.22 | $2264.00 |  |  | No |  |  |  | Long Term |  | $2760.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $206.78 | $208.29 | Level 3-Stated/Partially Verified | No | 1 | 4 | No | No |  | Experienced Investor | 1.25 | US Citizen |  | 742 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 05/12/2025 | 722 | Fair Isaac (VER. 2) | 742 | FICO Classic V5 Facta | 744 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2025 |  | XX | 1 | 1942 | 1463 | 4 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 85.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224082007 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $3600.00 | 1004/70 | $3600.00 | Third Party Rental Source | $4515.65 |  | 0.000000 | 1.25 |  |  | 0.80 | 0.8 | $4515.65 |  |  | No |  |  |  | Long Term |  | $3600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $129000.00 | Yes | $90.00 | $563.99 | $152.33 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No | No | Experienced Investor |  | US Citizen | US Citizen | 810 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 04/01/2025 | 775 | Fair Isaac (VER. 2) | 732 | FICO Classic V5 Facta | 755 | FICO Risk Score Classic 04 | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 1-Not Stated/Not Verified | 04/01/2025 | 830 | Fair Isaac (VER. 2) | 810 | FICO Classic V5 Facta | 799 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2025 | 3/XX/2025 | XX | 1 | 2025 | 4136 | 5 | 4 | C1 | XX | $0.00 |  |  |  |  |  |  |  | 74.907% | XX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| XX | 224082008 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $4500.00 | 1004/70 | $4500.00 | Third Party Rental Source | $4404.12 |  | 0.000000 | 0.98 |  |  | 1.02 | 1.02 | $4404.12 |  |  | No |  |  |  | Long Term |  | $4500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $694.08 | $472.50 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 1.33 |  |  | 714 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/03/2025 | 732 | Fair Isaac (VER. 2) | 665 | FICO Classic V5 Facta | 714 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2025 |  | XX | 1 | 1966 | 1347 | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 137.868% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082010 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $2300.00 | 1004/70 | $2300.00 | Third Party Rental Source | $2110.67 |  | 0.000000 | 0.92 |  |  | 1.09 | 1.09 | $2110.67 |  |  | No |  |  |  | Long Term |  | $2300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $334.28 | $139.17 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  |  | Experienced Investor | 1.72 |  |  | 754 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 50.00% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 02/19/2025 | 721 | Fair Isaac (VER. 2) | 767 | Beacon 5 | 754 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2025 |  | XX | 1 | 1915 | 1655 | 3 | 3 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224082013 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $2400.00 | 1004/70 | $2400.00 | Third Party Rental Source | $1788.21 |  | 0.000000 | 0.75 |  |  | 1.34 | 1.34 | $1788.21 |  |  | No |  |  |  | Long Term |  | $2400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $162.43 | $78.67 | Level 4-Stated/Verified as defined | No | 1 | 5 | No |  |  | Experienced Investor | 0.23 |  |  | 744 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 3 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/01/2025 | 744 | FICO II | 751 | Beacon 5 | 740 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 1 | 1924 | 1803 | 4 | 1 | C4 |  | $0.00 |  |  |  |  |  |  |  | 80.000% | XX |  |  | 128.000% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082014 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $2900.00 | 1004/70 | $2900.00 | Third Party Rental Source | $3770.47 |  | 0.000000 | 1.3 |  |  | 0.77 | 0.77 | $3770.47 |  |  | No |  |  |  | Long Term |  | $2900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Yes | $66.58 | $927.61 | $190.00 | Level 3-Stated/Partially Verified | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 738 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 3 | US Citizen |  |  | Level 3-Stated/Partially Verified | 04/09/2025 | 738 | Fair Isaac (VER. 2) | 723 | FICO Classic V5 Facta | 750 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 | 4/XX/2025 | XX | 1 | 1953 | 2371 | 3 | 3 | C4 | XX | $0.00 |  |  |  |  |  |  |  | 64.673% | XX |  |  | 70.000% |  |  | 70.000% |  |  |  |  |  |  |  |  |
| XX | 224082015 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $3675.00 | $3075.00 | 1004/70 | $3675.00 | Rent on Existing Lease | $3335.20 |  | 0.000000 | 0.91 |  |  | 1.10 | 1.1 | $3335.20 |  |  | Yes | 06/01/2025 | 05/31/2027 | 24 | Long Term | $3675.00 | $3075.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $45000.00 | Yes | $62.50 | $271.29 | $132.58 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 744 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 04/22/2025 | 756 | FICO II | 725 | Beacon 5 | 744 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2025 | 4/XX/2025 | XX | 1 | 2016 | 2797 | 4 | 2.1 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| XX | 224082018 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $2200.00 | 1004/70 | $2200.00 | Third Party Rental Source | $1996.28 |  | 0.000000 | 0.91 |  |  | 1.10 | 1.1 | $1996.28 |  |  | No |  |  |  | Long Term |  | $2200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $22000.00 | No |  | $396.76 | $128.00 | Level 4-Stated/Verified as defined | No | 1 | 9 | No | No |  | Experienced Investor |  | US Citizen |  | 703 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 10 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/05/2025 | 735 | Fair Isaac (VER. 2) | 693 | FICO Classic V5 Facta | 703 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 | 1/XX/2025 | XX | 1 | 1960 | 915 | 3 | 1 | C4 | XX | $0.00 |  |  |  |  |  |  |  | 74.667% | XX |  |  | 74.667% |  |  | 74.667% |  |  |  |  |  |  |  |  |
| XX | 224082020 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $7000.00 | $7027.00 | 1025/72 | $7027.00 | Third Party Rental Source | $5106.32 |  | 0.000000 | 0.73 |  |  | 1.38 | 1.38 | $5106.32 |  |  | Yes | 09/01/2024 | 09/01/2025 | 12 | Long Term | $1825.00 | $1825.00 | Yes | 11/01/2024 | 11/01/2025 | 12 | Long Term | $2425.00 | $2452.00 | Yes | 09/01/2024 | 09/01/2025 | 12 | Long Term | $2750.00 | $2750.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $90400.00 | No |  | $678.61 | $186.83 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 1.16 |  |  | 747 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 81.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/08/2025 | 749 | Fair Isaac (VER. 2) | 747 | FICO Classic V5 Facta | 740 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2025 |  | XX | 3 | 1914 | 2031 | 6 | 3 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 102.823% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082032 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $4100.00 | 1004/70 | $4100.00 | Third Party Rental Source | $4085.84 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $4085.84 |  |  | No |  |  |  | Long Term |  | $4100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $834.72 | $279.46 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | Experienced Investor |  |  |  | 764 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 25.00% | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/08/2025 | 764 | Fair Isaac (VER. 2) | 759 | FICO Classic V5 Facta | 764 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 | 3/XX/2025 | XX | 1 | 1982 | 1799 | 3 | 2.1 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 80.189% | XX |  |  | 85.000% |  |  | 85.000% |  |  |  |  |  |  |  |  |
| XX | 224082033 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $1800.00 | 1004/70 | $1800.00 | Third Party Rental Source | $1724.87 |  | 0.000000 | 0.96 |  |  | 1.04 | 1.04 | $1724.87 |  |  | No |  |  |  | Long Term |  | $1800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $43900.00 | Yes | $4.58 | $166.84 | $56.67 | Level 1-Not Stated/Not Verified | No | 1 | 7 | No |  |  | Experienced Investor |  |  |  | 729 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 14 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/05/2025 | 729 | Fair Isaac (VER. 2) | 718 | FICO Classic V5 Facta | 748 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 | 3/XX/2025 | XX | 1 | 2008 | 2218 | 4 | 3 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 62.500% | XX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| XX | 224082038 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $2250.00 | $1600.00 | 1004/70 | $1600.00 | Third Party Rental Source | $1765.82 |  | 0.000000 | 1.1 |  |  | 0.91 | 0.91 | $1765.82 |  |  | Yes | 07/01/2025 | 06/30/2027 | 24 | Long Term | $2250.00 | $1600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $25500.00 | No |  | $97.19 | $113.58 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 777 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/16/2025 | 758 | Fair Isaac (VER. 2) | 782 | FICO Classic V5 Facta | 777 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 | 4/XX/2025 | XX | 1 | 1996 | 660 | 1 | 1 | C4 | XX | $0.00 |  |  |  |  |  |  |  | 79.429% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| XX | 224082039 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $10300.00 | 1025/72 | $10300.00 | Third Party Rental Source | $9566.25 |  | 0.000000 | 0.93 |  |  | 1.08 | 1.08 | $9566.25 |  |  | No |  |  |  | Long Term |  | $3300.00 | No |  |  |  | Long Term |  | $2200.00 | No |  |  |  | Long Term |  | $3000.00 | No |  |  |  | Long Term |  | $1800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $125000.00 | No |  | $1021.81 | $295.52 | Level 3-Stated/Partially Verified | No | 1 | 3 | No | No | No | Experienced Investor |  | US Citizen | US Citizen | 798 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 6 | US Citizen |  |  | Level 3-Stated/Partially Verified | 04/17/2025 | 784 | Fair Isaac (VER. 2) | 798 | Beacon 5 | 801 | FICO Risk Score Classic 04 | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 04/17/2025 | 782 | Fair Isaac (VER. 2) | 703 | Beacon 5 | 754 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 | 4/XX/2025 | XX | 4 | 1914 | 5862 | 11 | 6.1 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 80.000% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| XX | 224082042 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $2000.00 | $2350.00 | 1004/70 | $2350.00 | Third Party Rental Source | $2313.54 |  | 0.000000 | 0.98 |  |  | 1.02 | 1.02 | $2313.54 |  |  | Yes | 05/01/2025 | 04/30/2026 | 12 | Long Term | $2000.00 | $2350.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $205.38 | $137.37 | Level 4-Stated/Verified as defined | No | 1 | 5 | No |  |  | Experienced Investor | 2.35 |  |  | 787 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 6 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/06/2025 | 798 | Fair Isaac (VER. 2) | 787 | FICO Classic V5 Facta | 770 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 1 | 1961 | 2236 | 5 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 68.182% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224082044 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Short Term |  | $4148.33 | 1004/70 | $3318.66 | Multiple Sources | $3179.79 |  | 0.000000 | 0.96 |  |  | 1.04 | 1.04 | $3179.79 |  |  | No |  |  |  | Short Term |  | $4148.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $96600.00 | No |  | $444.03 | $197.53 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | Experienced Investor | 1.61 |  |  | 722 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 50.00% | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/23/2025 | 723 | Fair Isaac (VER. 2) | 722 | FICO Classic V5 Facta | 693 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2025 |  | XX | 1 | 1957 | 2430 | 5 | 4 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 172.941% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082047 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $2430.00 | $2080.00 | 1004/70 | $2080.00 | Third Party Rental Source | $1288.25 |  | 0.000000 | 0.62 |  |  | 1.61 | 1.61 | $1288.25 |  |  | Yes |  |  |  | Long Term | $2430.00 | $2080.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $12500.00 | No |  | $165.40 | $125.00 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | Experienced Investor | 0.29 |  |  | 729 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 49.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/02/2025 | 747 | FICO II | 700 | Beacon 5 | 729 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 1 | 1981 | 1156 | 4 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 111.940% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082052 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $1900.00 | $1900.00 | 1004/70 | $1900.00 | Rent on Existing Lease | $1849.26 |  | 0.000000 | 0.97 |  |  | 1.03 | 1.03 | $1849.26 |  |  | Yes | 04/22/2023 | 08/31/2025 | 28 | Long Term | $1900.00 | $1900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Yes | $34.75 | $444.33 | $135.50 | Level 3-Stated/Partially Verified | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 705 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 05/06/2025 | 705 | Fair Isaac (VER. 2) | 697 | FICO Classic V5 Facta | 708 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 | 4/XX/2025 | XX | 1 | 1980 | 1762 | 3 | 2 | C4 | XX | $0.00 |  |  |  |  |  |  |  | 79.316% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| XX | 224082057 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $1752.00 | $1790.00 | 1004/70 | $1752.00 | Rent on Existing Lease | $1150.11 |  | 0.000000 | 0.66 |  |  | 1.52 | 1.52 | $1150.11 |  |  | Yes | 05/27/2025 | 11/30/2026 | 18 | Long Term | $1752.00 | $1790.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $18700.00 | No |  | $29.56 | $160.08 | Level 4-Stated/Verified as defined | No | 1 | 25 | No |  |  | Experienced Investor | 0.27 |  |  | 736 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 12 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/20/2025 | 756 | Fair Isaac (VER. 2) | 730 | FICO Classic V5 Facta | 736 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 |  | XX | 1 | 1905 | 790 | 3 | 1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 230.769% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082059 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $1900.00 | 1073/465 | $1900.00 | Third Party Rental Source | $1869.98 |  | 0.000000 | 0.98 |  |  | 1.02 | 1.02 | $1869.98 |  |  | No |  |  |  | Long Term |  | $1900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $8000.00 | Yes | $353.00 | $285.34 | $49.17 | Level 1-Not Stated/Not Verified | No | 1 | 2 | No |  |  | Experienced Investor |  |  |  | 762 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/08/2025 | 777 | Fair Isaac (VER. 2) | 759 | FICO Classic V5 Facta | 762 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 | 4/XX/2025 | XX | 1 | 1968 | 460 | 0 | 1 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| XX | 224082064 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $3250.00 | 1025/72 | $3250.00 | Third Party Rental Source | $2798.73 |  | 0.000000 | 0.86 |  |  | 1.16 | 1.16 | $2798.73 |  |  | No |  |  |  | Long Term |  | $1250.00 | No |  |  |  | Long Term |  | $1000.00 | No |  |  |  | Long Term |  | $1000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $45000.00 | No |  | $203.76 | $136.17 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 800 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/20/2025 | 801 | Fair Isaac (VER. 2) | 799 | FICO Classic V5 Facta | 800 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 | 5/XX/2025 | XX | 3 | 2004 | 2444 | 7 | 3.5 | C4 | XX | $0.00 |  |  |  |  |  |  |  | 80.000% | XX |  |  | 76.559% |  |  | 76.559% |  |  |  |  |  |  |  |  |
| XX | 224082065 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $3500.00 | $2100.00 | 1004/70 | $3500.00 | Rent on Existing Lease | $2532.06 |  | 0.000000 | 0.72 |  |  | 1.38 | 1.38 | $2532.06 |  |  | Yes | 07/01/2025 | 07/12/2026 | 12 | Long Term | $3500.00 | $2100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $58200.00 | No |  | $492.49 | $131.58 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | Permanent Resident Alien |  | 792 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | 02/27/2025 | 792 | Fair Isaac (VER. 2) | 792 | FICO Classic V5 Facta | 817 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 | 5/XX/2025 | XX | 1 | 2022 | 2118 | 4 | 3 | C2 | XX | $0.00 |  |  |  |  |  |  |  | 85.000% | XX |  |  | 83.712% |  |  | 83.712% |  |  |  |  |  |  |  |  |
| XX | 224082067 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $1800.00 | $1800.00 | 1004/70 | $1800.00 | Rent on Existing Lease | $1774.49 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $1774.49 |  |  | Yes | 02/07/2024 | 02/28/2024 | 1 | Long Term | $1800.00 | $1800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | Yes | $12.83 | $206.75 | $83.08 | Level 4-Stated/Verified as defined | No | 1 | 6 | No |  |  | Experienced Investor | 19.82 |  |  | 798 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 7 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/08/2025 | 804 | Fair Isaac (VER. 2) | 782 | FICO Classic V5 Facta | 798 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 1 | 2005 | 1817 | 3 | 2.1 | C4 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224082068 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $7232.00 | $7800.00 | 1025/72 | $7800.00 | Third Party Rental Source | $6627.71 |  | 0.000000 | 0.85 |  |  | 1.18 | 1.18 | $6627.71 |  |  | Yes | 07/03/2024 | 09/07/2025 | 14 | Long Term | $1783.00 | $1950.00 | Yes | 05/02/2024 | 11/02/2025 | 18 | Long Term | $1783.00 | $1950.00 | Yes | 06/11/2024 | 12/14/2025 | 18 | Long Term | $1833.00 | $1950.00 | Yes | 11/27/2024 | 11/30/2025 | 12 | Long Term | $1833.00 | $1950.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Yes | $988.00 | $30.99 | $54.00 | Level 3-Stated/Partially Verified | No | 1 | 20 | No | No | No | Experienced Investor | 2.56 | US Citizen | US Citizen | 795 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 20 | US Citizen |  |  | Level 3-Stated/Partially Verified | 04/04/2025 | 707 | Fair Isaac (VER. 2) | 698 | FICO Classic V5 Facta | 690 | FICO Risk Score Classic 04 | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 04/04/2025 | 807 | Fair Isaac (VER. 2) | 795 | FICO Classic V5 Facta | 778 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 4 | 2023 | 5504 | 12 | 8.4 | Average |  | $0.00 |  |  |  |  |  |  |  | 73.568% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224082073 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $2325.00 | 1004/70 | $2325.00 | Third Party Rental Source | $2275.06 |  | 0.000000 | 0.98 |  |  | 1.02 | 1.02 | $2275.06 |  |  | No |  |  |  | Long Term |  | $2325.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | Yes | $50.00 | $277.32 | $204.13 | Level 4-Stated/Verified as defined | No | 1 | 9 | No |  |  | Experienced Investor |  |  |  | 747 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 50.00% | Full Recourse | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/05/2025 | 766 | Fair Isaac (VER. 2) | 747 | FICO Classic V5 Facta | 709 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 | 5/XX/2025 | XX | 1 | 2025 | 1944 | 4 | 2.1 | C1 | XX | $0.00 |  |  |  |  |  |  |  | 79.387% | XX |  |  | 85.000% |  |  | 85.000% |  |  |  |  |  |  |  |  |
| XX | 224082074 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $2400.00 | 1004/70 | $2400.00 | Third Party Rental Source | $1433.25 |  | 0.000000 | 0.6 |  |  | 1.67 | 1.67 | $1433.25 |  |  | No |  |  |  | Long Term |  | $2400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | Yes | $37.00 | $303.44 | $107.42 | Level 4-Stated/Verified as defined | No | 1 | 4 | No |  | No | Experienced Investor | 1.15 |  | Permanent Resident Alien | 758 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  | Individual | Individual |  | XX | XX | 1 | Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | 06/02/2025 | 772 | Fair Isaac (VER. 2) | 735 | FICO Classic V5 Facta | 758 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 3 | Non-Permanent Resident Alien |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 06/02/2025 | 751 | Fair Isaac (VER. 2) | 757 | FICO Classic V5 Facta | 742 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 |  | XX | 1 | 2023 | 990 | 2 | 2 | C2 |  | $0.00 |  |  |  |  |  |  |  | 61.501% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224082076 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $3700.00 | 1004/70 | $7033.33 | Multiple Sources | $5854.67 |  | 0.000000 | 0.83 |  |  | 1.20 | 1.2 | $5854.67 |  |  | No |  |  |  | Long Term |  | $3700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $67000.00 | No |  | $466.71 | $703.92 | Level 1-Not Stated/Not Verified | No | 1 | 3 | No |  |  | Experienced Investor | 2.14 |  |  | 792 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 51.00% | Full Recourse | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 3-Stated/Partially Verified | Classic | 04/09/2025 | 787 | Fair Isaac (VER. 2) | 792 | FICO Classic V5 Facta | 797 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2025 |  | XX | 1 | 1993 | 2918 | 3 | 3 | C3 |  | $0.00 | $3333.33 |  |  |  |  |  |  | 77.000% | XX |  |  | 131.353% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082083 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $5497.00 | 1025/72 | $5497.00 | Third Party Rental Source | $3625.14 |  | 0.000000 | 0.66 |  |  | 1.52 | 1.52 | $3625.14 |  |  | No |  |  |  | Long Term |  | $1686.00 | No |  |  |  | Long Term |  | $1616.00 | No |  |  |  | Long Term |  | $995.00 | No |  |  |  | Long Term |  | $1200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $50100.00 | No |  | $201.69 | $292.33 | Level 1-Not Stated/Not Verified | No | 1 | 11 | No |  |  | Experienced Investor | 0.36 |  |  | 736 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 12 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/20/2025 | 756 | Fair Isaac (VER. 2) | 730 | FICO Classic V5 Facta | 736 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 |  | XX | 4 | 2003 | 2700 | 5 | 5.1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 122.250% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082084 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $6500.00 | $7200.00 | 1025/72 | $6500.00 | Rent on Existing Lease | $4244.05 |  | 0.000000 | 0.65 |  |  | 1.53 | 1.53 | $4244.05 |  |  | Yes | 02/01/2024 | 02/01/2026 | 24 | Long Term | $3500.00 | $3700.00 | Yes | 10/01/2024 | 10/01/2026 | 24 | Long Term | $3000.00 | $3500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $110000.00 | No |  | $563.99 | $180.92 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  | No | Experienced Investor | 6.72 |  | US Citizen | 709 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Trust | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 03/31/2025 | 706 | Fair Isaac (VER. 2) | 720 | FICO Classic V5 Facta | 709 | FICO Risk Score Classic 04 | Trustee | XX | XX | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | 03/27/2025 | 721 | Fair Isaac (VER. 2) | 709 | FICO Classic V5 Facta | 669 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3/XX/2025 |  | XX | 2 | 1910 | 2034 | 6 | 3 | Average |  | $0.00 |  |  |  |  |  |  |  | 45.739% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224082090 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $1650.00 | 1004/70 | $1650.00 | Third Party Rental Source | $1394.77 |  | 0.000000 | 0.85 |  |  | 1.18 | 1.18 | $1394.77 |  |  | No |  |  |  | Long Term |  | $1650.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $26500.00 | Yes | $45.83 | $114.71 | $57.13 | Level 3-Stated/Partially Verified | No | 1 | 1 | No | No |  | First-Time Investor |  | US Citizen |  | 790 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 05/09/2025 | 790 | Fair Isaac (VER. 2) | 799 | FICO Classic V5 Facta | 766 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 | 5/XX/2025 | XX | 1 | 2025 | 1539 | 4 | 2 | C1 | XX | $0.00 |  |  |  |  |  |  |  | 74.971% | XX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| XX | 224082113 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $1625.00 | 1004/70 | $1625.00 | Third Party Rental Source | $1539.65 |  | 0.000000 | 0.95 |  |  | 1.06 | 1.06 | $1539.65 |  |  | No |  |  |  | Long Term |  | $1625.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Yes | $155.00 | $152.50 | $60.19 | Level 4-Stated/Verified as defined | No | 1 | 7 | No |  |  | Experienced Investor |  |  |  | 743 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 50.00% | Full Recourse | 8 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/14/2025 | 742 | Fair Isaac (VER. 2) | 743 | FICO Classic V5 Facta | 760 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 | 11/XX/2024 | XX | 1 | 2025 | 1545 | 3 | 2.1 | C1 | XX | $0.00 |  |  |  |  |  |  |  | 77.229% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| XX | 224082114 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Not Provided |  | $1800.00 | 1004/70 | $1800.00 | Third Party Rental Source | $1539.65 |  | 0.000000 | 0.86 |  |  | 1.17 | 1.17 | $1539.65 |  |  | No |  |  |  | Not Provided |  | $1800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Yes | $155.00 | $152.50 | $60.19 | Level 1-Not Stated/Not Verified | No | 1 | 9 | No |  |  | Experienced Investor |  |  |  | 743 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 50.00% | Full Recourse | 7 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/14/2025 | 742 | Fair Isaac (VER. 2) | 743 | FICO Classic V5 Facta | 760 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 | 11/XX/2024 | XX | 1 | 2025 | 1523 | 3 | 2.1 | C1 | XX | $0.00 |  |  |  |  |  |  |  | 74.333% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| XX | 224082115 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $1625.00 | 1004/70 | $1625.00 | Third Party Rental Source | $1517.13 |  | 0.000000 | 0.93 |  |  | 1.07 | 1.07 | $1517.13 |  |  | No |  |  |  | Long Term |  | $1625.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | Yes | $155.00 | $152.50 | $37.67 | Level 4-Stated/Verified as defined | No | 1 | 9 | No |  |  | Experienced Investor |  |  |  | 743 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 50.00% | Full Recourse | 7 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/14/2025 | 742 | Fair Isaac (VER. 2) | 743 | FICO Classic V5 Facta | 760 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 | 11/XX/2024 | XX | 1 | 2025 | 1536 | 3 | 2.1 | C1 | XX | $0.00 |  |  |  |  |  |  |  | 77.229% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| XX | 224082116 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $1862.00 | 1004/70 | $1862.00 | Third Party Rental Source | $1361.36 |  | 0.000000 | 0.73 |  |  | 1.37 | 1.37 | $1361.36 |  |  | No |  |  |  | Long Term |  | $1862.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $32900.00 | No |  | $204.22 | $145.33 | Level 3-Stated/Partially Verified | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 733 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 05/23/2025 | 758 | Fair Isaac (VER. 2) | 729 | FICO Classic V5 Facta | 733 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 | 5/XX/2025 | XX | 1 | 1974 | 1982 | 3 | 2 | C2 | XX | $0.00 |  |  |  |  |  |  |  | 56.115% | XX |  |  | 60.000% |  |  | 60.000% |  |  |  |  |  |  |  |  |
| XX | 224082120 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $3300.00 | 1004/70 | $3300.00 | Third Party Rental Source | $2615.60 |  | 0.000000 | 0.79 |  |  | 1.26 | 1.26 | $2615.60 |  |  | No |  |  |  | Long Term |  | $3300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $134.54 | $215.17 | Level 4-Stated/Verified as defined | No | 1 | 6 | No |  |  | Experienced Investor | 0.49 |  |  | 741 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  | Corp | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 6 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/13/2025 | 741 | Fair Isaac (VER. 2) | 754 | FICO Classic V5 Facta | 740 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 1 | 1984 | 1121 | 3 | 2 | C2 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224082124 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $2400.00 | 1004/70 | $2824.98 | Multiple Sources | $2668.17 |  | 0.000000 | 0.94 |  |  | 1.06 | 1.06 | $2668.17 |  |  | No |  |  |  | Long Term |  | $2400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $44000.00 | No |  | $598.86 | $307.29 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 754 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual | Retired | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/07/2025 | 754 | Fair Isaac (VER. 2) | 763 | FICO Classic V5 Facta | 718 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 | 5/XX/2025 | XX | 1 | 1964 | 1929 | 4 | 2.1 | C3 | XX | $0.00 | $424.98 |  |  |  |  |  |  | 76.133% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| XX | 224082125 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $2400.00 | $2450.00 | 1004/70 | $2450.00 | Third Party Rental Source | $2445.09 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $2445.09 |  |  | Yes | 06/01/2025 | 06/30/2025 | 1 | Long Term | $2400.00 | $2450.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $18000.00 | Yes | $115.00 | $310.51 | $98.65 | Level 3-Stated/Partially Verified | No | 1 | 18 | No |  |  | Experienced Investor | 23.10 |  |  | 751 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Corp | Business Entity |  |  | XX | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 18 | US Citizen |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/08/2025 | 751 | Fair Isaac (VER. 2) | 733 | FICO Classic V5 Facta | 790 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 1 | 1992 | 1358 | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 68.650% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224082128 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $5050.00 | 1025/72 | $5050.00 | Third Party Rental Source | $3092.72 |  | 0.000000 | 0.61 |  |  | 1.63 | 1.63 | $3092.72 |  |  | No |  |  |  | Long Term |  | $1800.00 | No |  |  |  | Long Term |  | $1800.00 | No |  |  |  | Long Term |  | $1450.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $60700.00 | No |  | $300.70 | $367.25 | Level 2-Stated/Not Verified | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 744 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | 02/10/2025 | 716 | Fair Isaac (VER. 2) | 764 | FICO Classic V5 Facta | 744 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3/XX/2025 | 3/XX/2025 | XX | 3 | 1905 | 3507 | 8 | 3 | C4 | XX | $0.00 |  |  |  |  |  |  |  | 79.835% | XX |  |  | 82.769% |  |  | 82.769% |  |  |  |  |  |  |  |  |
| XX | 224082132 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $2200.00 | $1850.00 | 1004/70 | $2200.00 | Rent on Existing Lease | $1979.92 |  | 0.000000 | 0.9 |  |  | 1.11 | 1.11 | $1979.92 |  |  | Yes | 04/25/2025 | 04/25/2026 | 12 | Long Term | $2200.00 | $1850.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $23100.00 | No |  | $378.05 | $110.08 | Level 4-Stated/Verified as defined | No | 1 | 7 | No |  |  | Experienced Investor | 0.47 |  |  | 737 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 7 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/29/2025 | 715 | Fair Isaac (VER. 2) | 737 | Beacon 5 | 738 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 1 | 2025 | 1323 | 4 | 2.1 | C1 |  | $0.00 |  |  |  |  |  |  |  | 73.525% | XX |  |  | 897.000% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082133 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $5500.00 | 1025/72 | $5500.00 | Third Party Rental Source | $4188.23 |  | 0.000000 | 0.76 |  |  | 1.31 | 1.31 | $4188.23 |  |  | No |  |  |  | Long Term |  | $1300.00 | No |  |  |  | Long Term |  | $1450.00 | No |  |  |  | Long Term |  | $1450.00 | No |  |  |  | Long Term |  | $1300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Yes | $100.00 | $1042.67 | $287.17 | Level 3-Stated/Partially Verified | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 783 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 05/05/2025 | 759 | Fair Isaac (VER. 2) | 794 | FICO Classic V5 Facta | 783 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 | 5/XX/2025 | XX | 4 | 2025 | 4350 | 10 | 8 | C1 | XX | $0.00 |  |  |  |  |  |  |  | 74.044% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| XX | 224082135 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $2500.00 | 1004/70 | $2500.00 | Third Party Rental Source | $2345.66 |  | 0.000000 | 0.94 |  |  | 1.07 | 1.07 | $2345.66 |  |  | No |  |  |  | Long Term |  | $2500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $27200.00 | Yes | $94.00 | $638.81 | $153.50 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  |  | Experienced Investor | 1.16 |  |  | 778 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 3 | Permanent Resident Alien |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/21/2025 | 778 | Fair Isaac (VER. 2) | 784 | FICO Classic V5 Facta | 768 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 1 | 2019 | 1585 | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 71.203% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224082139 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $2500.00 | 1004/70 | $2500.00 | Third Party Rental Source | $2366.91 |  | 0.000000 | 0.95 |  |  | 1.06 | 1.06 | $2366.91 |  |  | No |  |  |  | Long Term |  | $2500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $41400.00 | No |  | $215.00 | $79.88 | Level 4-Stated/Verified as defined | No | 1 | 4 | No |  |  | Experienced Investor | 3.10 |  |  | 723 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 06/17/2025 | 724 | Fair Isaac (VER. 2) | 717 | Beacon 5 | 723 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 1 | 2024 | 2390 | 4 | 3.1 | C1 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 340.909% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082140 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $2450.00 | 1004/70 | $2450.00 | Third Party Rental Source | $2439.92 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $2439.92 |  |  | No |  |  |  | Long Term |  | $2450.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $41400.00 | No |  | $232.16 | $79.31 | Level 3-Stated/Partially Verified | No | 1 | 3 | No |  |  | Experienced Investor | 1.45 |  |  | 723 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 06/17/2025 | 724 | Fair Isaac (VER. 2) | 717 | Beacon 5 | 723 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 1 | 2025 | 2412 | 4 | 3.1 | C1 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224082141 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $1950.00 | 1004/70 | $1950.00 | Third Party Rental Source | $1730.74 |  | 0.000000 | 0.89 |  |  | 1.13 | 1.13 | $1730.74 |  |  | No |  |  |  | Long Term |  | $1950.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $27300.00 | Yes | $37.50 | $423.53 | $116.83 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  |  | Experienced Investor | 1.08 |  |  | 778 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 4 | Permanent Resident Alien |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/21/2025 | 778 | Fair Isaac (VER. 2) | 784 | FICO Classic V5 Facta | 768 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 |  | XX | 1 | 2024 | 1461 | 4 | 2 | C2 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 74.814% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082144 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $3800.00 | 1004/70 | $3800.00 | Third Party Rental Source | $4323.90 |  | 0.000000 | 1.14 |  |  | 0.88 | 0.88 | $4323.90 |  |  | No |  |  |  | Long Term |  | $3800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $194400.00 | No |  | $998.96 | $178.47 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  | No | Experienced Investor | 17.36 |  | US Citizen | 726 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Trust | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  | Individual | Trustee |  | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 06/09/2025 | 755 | FICO II | 697 | Beacon 5 | 726 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2025 |  | XX | 1 | 1949 | 1080 | 3 | 1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 45.918% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224082146 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $2650.00 | $2250.00 | 1004/70 | $2650.00 | Rent on Existing Lease | $2325.95 |  | 0.000000 | 0.88 |  |  | 1.14 | 1.14 | $2325.95 |  |  | Yes | 08/01/2025 | 07/30/2026 | 11 | Long Term | $2650.00 | $2250.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $35000.00 | No |  | $408.33 | $76.25 | Level 3-Stated/Partially Verified | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 767 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 05/15/2025 | 767 | Fair Isaac (VER. 2) | 795 | FICO Classic V5 Facta | 755 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 | 5/XX/2025 | XX | 1 | 1997 | 1760 | 3 | 2 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 79.769% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| XX | 224082148 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $3900.00 | 1004/70 | $3900.00 | Third Party Rental Source | $2451.05 |  | 0.000000 | 0.63 |  |  | 1.59 | 1.59 | $2451.05 |  |  | No |  |  |  | Long Term |  | $3900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $358.13 | $128.25 | Level 3-Stated/Partially Verified | No | 1 | 3 | No | No |  | Experienced Investor |  | Non-Permanent Resident Alien |  | 733 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | Non-Permanent Resident Alien |  |  | Level 3-Stated/Partially Verified | 05/02/2025 | 733 | Fair Isaac (VER. 2) |  |  | 752 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 | 4/XX/2025 | XX | 1 | 1889 | 1519 | 4 | 2 | C4 | XX | $0.00 |  |  |  |  |  |  |  | 76.090% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| XX | 224082150 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $2200.00 | 1004/70 | $2200.00 | Third Party Rental Source | $2681.66 |  | 0.000000 | 1.22 |  |  | 0.82 | 0.82 | $2681.66 |  |  | No |  |  |  | Long Term |  | $2200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $25500.00 | No |  | $480.92 | $410.54 | Level 4-Stated/Verified as defined | No | 1 | 9 | No | No |  | Experienced Investor | 2.87 | US Citizen |  | 760 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/02/2025 | 760 | Fair Isaac (VER. 2) | 775 | FICO Classic V5 Facta | 756 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 1 | 1970 | 1566 | 2 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 69.231% | XX |  |  | 75.000% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082152 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $2800.00 | 1004/70 | $2800.00 | Third Party Rental Source | $2450.95 |  | 0.000000 | 0.88 |  |  | 1.14 | 1.14 | $2450.95 |  |  | No |  |  |  | Long Term |  | $2800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $102000.00 | Yes | $8.33 | $398.00 | $98.83 | Level 3-Stated/Partially Verified | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 801 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 05/13/2025 | 804 | Fair Isaac (VER. 2) | 801 | FICO Classic V5 Facta | 788 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 | 5/XX/2025 | XX | 1 | 2022 | 2605 | 4 | 3.1 | C2 | XX | $0.00 |  |  |  |  |  |  |  | 49.917% | XX |  |  | 50.000% |  |  | 50.000% |  |  |  |  |  |  |  |  |
| XX | 224082155 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $13000.00 | 1025/72 | $13000.00 | Third Party Rental Source | $8510.86 |  | 0.000000 | 0.65 |  |  | 1.53 | 1.53 | $8510.86 |  |  | No |  |  |  | Long Term |  | $3000.00 | No |  |  |  | Long Term |  | $3500.00 | No |  |  |  | Long Term |  | $3000.00 | No |  |  |  | Long Term |  | $3500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $278.21 | $249.83 | Level 4-Stated/Verified as defined | No | 1 | 4 | No | No |  | Experienced Investor | 1.42 | US Citizen |  | 742 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 04/25/2025 | 770 | Fair Isaac (VER. 2) | 742 | FICO Classic V5 Facta | 742 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 4 | 1952 | 3150 | 10 | 6 | Good |  | $0.00 |  |  |  |  |  |  |  | 65.574% | XX |  |  | 177.778% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082156 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $13000.00 | 1025/72 | $13000.00 | Third Party Rental Source | $8975.30 |  | 0.000000 | 0.69 |  |  | 1.45 | 1.45 | $8975.30 |  |  | No |  |  |  | Long Term |  | $3000.00 | No |  |  |  | Long Term |  | $3500.00 | No |  |  |  | Long Term |  | $3000.00 | No |  |  |  | Long Term |  | $3500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $131250.00 | No |  | $738.15 | $254.33 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No |  | Experienced Investor | 1.45 | US Citizen |  | 742 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 04/25/2025 | 770 | Fair Isaac (VER. 2) | 742 | FICO Classic V5 Facta | 742 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 4 | 1952 | 3150 | 10 | 6 | Good |  | $0.00 |  |  |  |  |  |  |  | 80.000% | XX |  |  | 177.778% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082164 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $1950.00 | $1800.00 | 1004/70 | $1800.00 | Third Party Rental Source | $1658.16 |  | 0.000000 | 0.92 |  |  | 1.09 | 1.09 | $1658.16 |  |  | Yes | 08/01/2024 | 07/31/2025 | 12 | Long Term | $1950.00 | $1800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $428.08 | $212.27 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No | No | Experienced Investor | 5.56 | US Citizen | US Citizen | 713 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/24/2025 | 643 | Fair Isaac (VER. 2) | 658 | FICO Classic V5 Facta | 627 | FICO Risk Score Classic 04 | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/24/2025 | 668 | Fair Isaac (VER. 2) | 713 | FICO Classic V5 Facta | 721 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 1 | 1964 | 1638 | 3 | 1.2 | C4 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224082165 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $2200.00 | $2200.00 | 1004/70 | $2200.00 | Rent on Existing Lease | $2177.84 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $2177.84 |  |  | Yes | 06/01/2025 | 05/31/2026 | 12 | Long Term | $2200.00 | $2200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $29500.00 | No |  | $183.24 | $103.92 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  |  | First-Time Investor | 0.62 |  |  | 725 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/06/2025 | 712 | Fair Isaac (VER. 2) | 740 | FICO Classic V5 Facta | 725 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 1 | 2013 | 1567 | 3 | 3 | C3 |  | $0.00 |  |  |  |  |  |  |  | 80.000% | XX |  |  | 125.767% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082166 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $1500.00 | $2900.00 | 1004/70 | $2900.00 | Third Party Rental Source | $2022.65 |  | 0.000000 | 0.7 |  |  | 1.43 | 1.43 | $2022.65 |  |  | Yes |  |  |  | Long Term | $1500.00 | $2900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $106.33 | $86.92 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 0.94 |  |  | 763 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/07/2025 | 768 | Fair Isaac (VER. 2) | 761 | FICO Classic V5 Facta | 763 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 1 | 1945 | 966 | 3 | 1 | C4 |  | $0.00 |  |  |  |  |  |  |  | 35.032% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224082168 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $3300.00 | 1004/70 | $3300.00 | Third Party Rental Source | $2721.99 |  | 0.000000 | 0.82 |  |  | 1.21 | 1.21 | $2721.99 |  |  | No |  |  |  | Long Term |  | $3300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $60890.00 | No |  | $479.76 | $135.58 | Level 3-Stated/Partially Verified | No | 1 | 5 | No | No |  | Experienced Investor |  | US Citizen |  | 813 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 05/23/2025 | 813 | Fair Isaac (VER. 2) | 809 | FICO Classic V5 Facta | 822 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 | 5/XX/2025 | XX | 1 | 1880 | 1424 | 3 | 1.1 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 70.000% | XX |  |  | 70.000% |  |  | 70.000% |  |  |  |  |  |  |  |  |
| XX | 224082170 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $5500.00 | 1004/70 | $5500.00 | Third Party Rental Source | $4903.32 |  | 0.000000 | 0.89 |  |  | 1.12 | 1.12 | $4903.32 |  |  | No |  |  |  | Long Term |  | $5500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Yes | $80.00 | $335.87 | $239.92 | Level 3-Stated/Partially Verified | No | 1 | 2 | No | No |  | Experienced Investor | 1.78 | US Citizen |  | 777 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 05/21/2025 | 777 | Fair Isaac (VER. 2) | 760 | FICO Classic V5 Facta | 777 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 1 | 2007 | 2646 | 3 | 2.1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 49.883% | XX |  |  | 58.045% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082173 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $4150.00 | 1025/72 | $4150.00 | Third Party Rental Source | $2761.85 |  | 0.000000 | 0.67 |  |  | 1.50 | 1.5 | $2761.85 |  |  | No |  |  |  | Long Term |  | $1850.00 | No |  |  |  | Long Term |  | $1150.00 | No |  |  |  | Long Term |  | $1150.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $23390.00 | No |  | $438.22 | $192.25 | Level 1-Not Stated/Not Verified | No | 0 | 1 | No |  |  | First-Time Investor |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 2 | Foreign National |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 | 5/XX/2025 | XX | 3 | 1946 | 1457 | 2 | 3 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 70.000% | XX |  |  | 70.000% |  |  | 70.000% |  |  |  |  | Yes |  |  |  |
| XX | 224082174 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $3500.00 | $2650.00 | 1004/70 | $3500.00 | Rent on Existing Lease | $3072.96 |  | 0.000000 | 0.88 |  |  | 1.14 | 1.14 | $3072.96 |  |  | Yes | 07/01/2025 | 07/31/2026 | 13 | Long Term | $3500.00 | $2650.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | Yes | $62.50 | $871.03 | $114.09 | Level 3-Stated/Partially Verified | No | 1 | 5 | No | No |  | Experienced Investor |  | US Citizen |  | 780 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | 05/30/2025 | 779 | Fair Isaac (VER. 2) | 780 | FICO Classic V5 Facta | 785 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 | 5/XX/2025 | XX | 1 | 2025 | 2201 | 4 | 3 | C1 | XX | $0.00 |  |  |  |  |  |  |  | 79.254% | XX |  |  | 85.000% |  |  | 85.000% |  |  |  |  |  |  |  |  |
| XX | 224082178 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $1950.00 | 1004/70 | $1950.00 | Third Party Rental Source | $1936.24 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $1936.24 |  |  | No |  |  |  | Long Term |  | $1950.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $459.41 | $97.28 | Level 3-Stated/Partially Verified | No | 1 | 1 | No | No |  | First-Time Investor |  | US Citizen |  | 714 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 06/02/2025 | 714 | Fair Isaac (VER. 2) | 718 | FICO Classic V5 Facta | 712 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 | 6/XX/2025 | XX | 1 | 1970 | 1311 | 3 | 2 | C4 | XX | $0.00 |  |  |  |  |  |  |  | 72.664% | XX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| XX | 224082179 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $3000.00 | 1004/70 | $3000.00 | Third Party Rental Source | $2823.46 |  | 0.000000 | 0.94 |  |  | 1.06 | 1.06 | $2823.46 |  |  | No |  |  |  | Long Term |  | $3000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $44827.00 | No |  | $430.75 | $128.65 | Level 3-Stated/Partially Verified | No | 1 | 1 | No |  |  | Experienced Investor | 1.02 |  |  | 776 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/16/2025 | 763 | FICO II | 793 | Beacon 5 | 776 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 1 | 2025 | 2294 | 4 | 3 | C1 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | XX |  |  | 731.818% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082180 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $2250.00 | 1004/70 | $2250.00 | Third Party Rental Source | $1953.86 |  | 0.000000 | 0.87 |  |  | 1.15 | 1.15 | $1953.86 |  |  | No |  |  |  | Long Term |  | $2250.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $25000.00 | No |  | $354.83 | $95.51 | Level 1-Not Stated/Not Verified | No | 1 | 3 | No |  |  | Experienced Investor |  |  |  | 796 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 50.00% | Full Recourse | 2 | Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 06/11/2025 | 796 | Fair Isaac (VER. 2) | 795 | Beacon 5 | 803 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 | 6/XX/2025 | XX | 1 | 1986 | 1313 | 3 | 2 | C4 | XX | $0.00 |  |  |  |  |  |  |  | 72.262% | XX |  |  | 79.423% |  |  | 79.423% |  |  |  |  |  |  |  |  |
| XX | 224082182 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $2450.00 | 1004/70 | $2450.00 | Third Party Rental Source | $1786.43 |  | 0.000000 | 0.73 |  |  | 1.37 | 1.37 | $1786.43 |  |  | No |  |  |  | Long Term |  | $2450.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $38400.00 | No |  | $359.02 | $106.49 | Level 4-Stated/Verified as defined | No | 1 | 6 | No |  |  | Experienced Investor |  |  |  | 754 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 6 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/22/2025 | 763 | Fair Isaac (VER. 2) | 754 | FICO Classic V5 Facta | 711 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 | 5/XX/2025 | XX | 1 | 1960 | 902 | 3 | 1 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 83.152% | XX |  |  | 85.000% |  |  | 85.000% |  |  |  |  |  |  |  |  |
| XX | 224082183 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $3000.00 | 1004/70 | $3000.00 | Third Party Rental Source | $3751.79 |  | 0.000000 | 1.25 |  |  | 0.80 | 0.8 | $3751.79 |  |  | No |  |  |  | Long Term |  | $3000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $71800.00 | Yes | $314.00 | $317.50 | $149.33 | Level 4-Stated/Verified as defined | No | 1 | 4 | No |  |  | Experienced Investor | 3.18 |  |  | 719 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 4 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 03/17/2025 | 739 | Fair Isaac (VER. 2) | 698 | FICO Classic V5 Facta | 719 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2025 |  | XX | 1 | 2006 | 1980 | 3 | 2 | C2 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224082184 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $2150.00 | $1930.00 | 1004/70 | $2150.00 | Rent on Existing Lease | $1971.06 |  | 0.000000 | 0.92 |  |  | 1.09 | 1.09 | $1971.06 |  |  | Yes | 07/15/2025 | 07/31/2026 | 12 | Long Term | $2150.00 | $1930.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $60000.00 | Yes | $57.50 | $515.36 | $101.42 | Level 3-Stated/Partially Verified | No | 1 | 1 | No | No |  | First-Time Investor |  | US Citizen |  | 749 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 06/06/2025 | 762 | FICO II | 739 | Beacon 5 | 749 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 | 3/XX/2025 | XX | 1 | 2019 | 1480 | 3 | 2 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 70.000% | XX |  |  | 70.000% |  |  | 70.000% |  |  |  |  |  |  |  |  |
| XX | 224082185 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $4700.00 | 1004/70 | $5473.33 | Multiple Sources | $5473.33 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $5473.33 |  |  | No |  |  |  | Long Term |  | $4700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $75000.00 | Yes | $154.00 | $472.09 | $426.92 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 816 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual | Retired | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/21/2025 | 825 | Fair Isaac (VER. 2) | 816 | FICO Classic V5 Facta | 803 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 | 5/XX/2025 | XX | 1 | 2005 | 3393 | 4 | 3.1 | C3 | XX | $0.00 | $773.33 |  |  |  |  |  |  | 73.143% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| XX | 224082186 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $4500.00 | $3100.00 | 1004/70 | $5479.25 | Multiple Sources | $4981.13 |  | 0.000000 | 0.91 |  |  | 1.10 | 1.1 | $4981.13 |  |  | Yes | 06/01/2025 | 06/30/2026 | 13 | Long Term | $4500.00 | $3100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $103360.00 | No |  | $464.55 | $405.20 | Level 4-Stated/Verified as defined | No | 1 | 5 | No | No |  | Experienced Investor | 6.08 | US Citizen |  | 707 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual | Retired | XX | XX | 6 | US Citizen |  |  | Level 4-Stated/Verified as defined | 03/22/2025 | 730 | Fair Isaac (VER. 2) | 707 | FICO Classic V5 Facta | 699 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 1 | 1975 | 1390 | 2 | 2 | C3 |  | $0.00 | $2379.25 |  |  |  |  |  |  | 70.000% | XX |  |  | 102.261% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082187 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $8000.00 | 1004/70 | $8000.00 | Third Party Rental Source | $6646.59 |  | 0.000000 | 0.83 |  |  | 1.20 | 1.2 | $6646.59 |  |  | No |  |  |  | Long Term |  | $8000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $162750.00 | No |  | $2004.30 | $372.25 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 6.87 |  |  | 742 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 3 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/14/2025 | 742 | Fair Isaac (VER. 2) | 753 | FICO Classic V5 Facta | 736 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 1 | 1961 | 2343 | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 41.270% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224082188 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $4400.00 | 1004/70 | $4400.00 | Third Party Rental Source | $3478.98 |  | 0.000000 | 0.79 |  |  | 1.26 | 1.26 | $3478.98 |  |  | No |  |  |  | Long Term |  | $4400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $45000.00 | No |  | $1067.34 | $116.58 | Level 3-Stated/Partially Verified | No | 1 | 1 | No |  |  | First-Time Investor |  |  |  | 787 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/31/2025 | 787 | Fair Isaac (VER. 2) | 805 | FICO Classic V5 Facta | 784 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 | 5/XX/2025 | XX | 1 | 1973 | 1775 | 3 | 2 | C2 | XX | $0.00 |  |  |  |  |  |  |  | 56.098% | XX |  |  | 60.000% |  |  | 60.000% |  |  |  |  |  |  |  |  |
| XX | 224082190 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $2300.00 | 1004/70 | $2300.00 | Third Party Rental Source | $1631.64 |  | 0.000000 | 0.71 |  |  | 1.41 | 1.41 | $1631.64 |  |  | No |  |  |  | Long Term |  | $2300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $273.80 | $160.42 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor |  |  |  | 764 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 50.00% | Full Recourse | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 06/06/2025 | 749 | Fair Isaac (VER. 2) | 778 | FICO Classic V5 Facta | 764 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 | 6/XX/2025 | XX | 1 | 1930 | 780 | 1 | 1 | C4 | XX | $0.00 |  |  |  |  |  |  |  | 37.422% | XX |  |  | 37.447% |  |  | 37.447% |  |  |  |  |  |  |  |  |
| XX | 224082191 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $4800.00 | 1004/70 | $4800.00 | Third Party Rental Source | $3614.20 |  | 0.000000 | 0.75 |  |  | 1.33 | 1.33 | $3614.20 |  |  | No |  |  |  | Long Term |  | $4800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $73181.00 | No |  | $883.08 | $396.17 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 12.33 | US Citizen |  | 734 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/06/2025 | 724 | Fair Isaac (VER. 2) | 734 | FICO Classic V5 Facta | 749 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 1 | 2004 | 1240 | 2 | 1.1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 28.583% | XX |  |  | 114.286% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082192 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $2200.00 | 1004/70 | $2200.00 | Third Party Rental Source | $1779.48 |  | 0.000000 | 0.81 |  |  | 1.24 | 1.24 | $1779.48 |  |  | No |  |  |  | Long Term |  | $2200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $201.42 | $167.76 | Level 4-Stated/Verified as defined | No | 1 | 5 | No |  |  | Experienced Investor |  |  |  | 767 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 3 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/09/2025 | 767 | Fair Isaac (VER. 2) | 765 | FICO Classic V5 Facta | 778 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 | 5/XX/2025 | XX | 1 | 1925 | 2139 | 4 | 2 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 80.000% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| XX | 224082195 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $3800.00 | 1025/72 | $3800.00 | Third Party Rental Source | $3746.46 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $3746.46 |  |  | No |  |  |  | Long Term |  | $2000.00 | No |  |  |  | Long Term |  | $1800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $49000.00 | No |  | $632.65 | $249.83 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | Non-Permanent Resident Alien |  | 712 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 2 | Non-Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | 03/11/2025 | 719 | Fair Isaac (VER. 2) | 712 | FICO Classic V5 Facta | 698 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2/XX/2025 | 1/XX/2025 | XX | 2 | 1910 | 1757 | 5 | 2 | C4 | XX | $0.00 |  |  |  |  |  |  |  | 76.595% | XX |  |  | 78.000% |  |  | 78.000% |  |  |  |  |  |  |  |  |
| XX | 224082196 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $2500.00 | 1004/70 | $2500.00 | Third Party Rental Source | $1938.43 |  | 0.000000 | 0.78 |  |  | 1.29 | 1.29 | $1938.43 |  |  | No |  |  |  | Long Term |  | $2500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $38000.00 | No |  | $398.74 | $119.66 | Level 1-Not Stated/Not Verified | No | 1 | 6 | No |  |  | Experienced Investor |  |  |  | 754 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/22/2025 | 763 | Fair Isaac (VER. 2) | 754 | FICO Classic V5 Facta | 711 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 | 4/XX/2025 | XX | 1 | 1958 | 992 | 3 | 1 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 83.152% | XX |  |  | 85.000% |  |  | 85.000% |  |  |  |  |  |  |  |  |
| XX | 224082197 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $1300.00 | 1004/70 | $1300.00 | Third Party Rental Source | $1276.06 |  | 0.000000 | 0.98 |  |  | 1.02 | 1.02 | $1276.06 |  |  | No |  |  |  | Long Term |  | $1300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $180.33 | $70.92 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | First-Time Investor |  | Permanent Resident Alien |  | 780 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | 06/02/2025 | 756 | Fair Isaac (VER. 2) | 801 | FICO Classic V5 Facta | 780 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 | 5/XX/2025 | XX | 1 | 1974 | 1472 | 3 | 2 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 78.000% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| XX | 224082198 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $6000.00 | 1025/72 | $6000.00 | Third Party Rental Source | $5962.55 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $5962.55 |  |  | No |  |  |  | Long Term |  | $2000.00 | No |  |  |  | Long Term |  | $2000.00 | No |  |  |  | Long Term |  | $2000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $60160.00 | No |  | $671.94 | $565.67 | Level 4-Stated/Verified as defined | No | 1 | 13 | No |  |  | Experienced Investor |  |  |  | 785 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 5 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/19/2025 | 766 | Fair Isaac (VER. 2) | 785 | FICO Classic V5 Facta | 796 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 | 6/XX/2025 | XX | 3 | 1971 | 3423 | 6 | 6 | C4 | XX | $0.00 |  |  |  |  |  |  |  | 79.035% | XX |  |  | 85.000% |  |  | 85.000% |  |  |  |  |  |  |  |  |
| XX | 224082200 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $4900.00 | 1004/70 | $6566.67 | Multiple Sources | $5480.11 |  | 0.000000 | 0.83 |  |  | 1.20 | 1.2 | $5480.11 |  |  | No |  |  |  | Long Term |  | $4900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $1136.98 | $218.67 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | Permanent Resident Alien |  | 760 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual | Retired | XX | XX | 1 | Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | 06/13/2025 | 760 | Fair Isaac (VER. 2) | 766 | FICO Classic V5 Facta | 746 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 | 5/XX/2025 | XX | 1 | 1954 | 3146 | 4 | 3 | C2 | XX | $0.00 | $1666.67 |  |  |  |  |  |  | 80.000% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| XX | 224082201 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $3145.00 | 1004/70 | $3145.00 | Third Party Rental Source | $2786.44 |  | 0.000000 | 0.89 |  |  | 1.13 | 1.13 | $2786.44 |  |  | No |  |  |  | Long Term |  | $3145.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $60000.00 | No |  | $539.39 | $108.42 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 754 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/12/2025 | 736 | Fair Isaac (VER. 2) | 754 | FICO Classic V5 Facta | 777 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 | 4/XX/2025 | XX | 1 | 2025 | 1292 | 3 | 2 | C1 | XX | $0.00 |  |  |  |  |  |  |  | 82.418% | XX |  |  | 85.000% |  |  | 85.000% |  |  |  |  |  |  |  |  |
| XX | 224082202 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $7000.00 | $4250.00 | 1004/70 | $7000.00 | Rent on Existing Lease | $6947.79 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $6947.79 |  |  | Yes | 04/01/2025 | 04/01/2026 | 12 | Long Term | $7000.00 | $4250.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $66285.00 | No |  | $1093.20 | $217.17 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 0.51 |  |  | 801 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 03/11/2025 | 801 | Fair Isaac (VER. 2) | 803 | Beacon 5 | 782 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 |  | XX | 1 | 1955 | 2274 | 4 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224082203 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $2900.00 | 1073/465 | $2900.00 | Third Party Rental Source | $2899.38 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $2899.38 |  |  | No |  |  |  | Long Term |  | $2900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $10000.00 | Yes | $718.33 | $495.22 | $99.89 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 777 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | 06/10/2025 | 803 | Fair Isaac (VER. 2) | 775 | FICO Classic V5 Facta | 777 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 | 6/XX/2025 | XX | 1 | 2008 | 1070 | 3 | 2 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 73.120% | XX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| XX | 224082205 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $3500.00 | 1004/70 | $3500.00 | Third Party Rental Source | $3878.96 |  | 0.000000 | 1.11 |  |  | 0.90 | 0.9 | $3878.96 |  |  | No |  |  |  | Long Term |  | $3500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $53900.00 | Yes | $75.00 | $1089.88 | $146.15 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | Experienced Investor | 2.20 |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 50.00% | Full Recourse | 1 | Non-Permanent Resident Alien |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 06/27/2025 |  |  |  |  |  |  |  | XX | XX | 50.00% | Full Recourse | 1 | Non-Permanent Resident Alien |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 06/27/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 |  | XX | 1 | 2022 | 3331 | 4 | 3.1 | C2 |  | $0.00 |  |  |  |  |  |  |  | 57.851% | XX |  |  | 65.421% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082207 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $2125.00 | 1004/70 | $2125.00 | Third Party Rental Source | $1904.66 |  | 0.000000 | 0.9 |  |  | 1.12 | 1.12 | $1904.66 |  |  | No |  |  |  | Long Term |  | $2125.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $211.75 | $75.99 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 0.12 |  |  | 703 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 03/31/2025 | 652 | Fair Isaac (VER. 2) | 723 | FICO Classic V5 Facta | 703 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 |  | XX | 1 | 2024 | 1839 | 4 | 2 | C1 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 240.000% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082209 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $2900.00 | 1004/70 | $6733.33 | Multiple Sources | $3316.63 |  | 0.000000 | 0.49 |  |  | 2.03 | 2.03 | $3316.63 |  |  | No |  |  |  | Long Term |  | $2900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $187.83 | $93.00 | Level 4-Stated/Verified as defined | No | 1 | 6 | No | No |  | Experienced Investor |  | US Citizen |  | 773 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual | Retired | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 06/17/2025 | 790 | Fair Isaac (VER. 2) | 773 | FICO Classic V5 Facta | 755 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 | 6/XX/2025 | XX | 1 | 1947 | 1112 | 2 | 2 | C2 | XX | $0.00 | $3833.33 |  |  |  |  |  |  | 70.041% | XX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| XX | 224082210 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $6000.00 | $6000.00 | 1025/72 | $6000.00 | Rent on Existing Lease | $3471.02 |  | 0.000000 | 0.58 |  |  | 1.73 | 1.73 | $3471.02 |  |  | Yes |  |  |  | Long Term | $1500.00 | $1500.00 | Yes |  |  |  | Long Term | $1500.00 | $1500.00 | Yes |  |  |  | Long Term | $1500.00 | $1500.00 | Yes |  |  |  | Long Term | $1500.00 | $1500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $78500.00 | No |  | $344.27 | $245.35 | Level 4-Stated/Verified as defined | No | 2 | 2 | No | No |  | Experienced Investor | 16.36 | Permanent Resident Alien |  | 813 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 2 | Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | 05/07/2025 | 811 | Fair Isaac (VER. 2) | 813 | FICO Classic V5 Facta | 823 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 4 | 1964 | 3800 | 8 | 8 | C4 |  | $0.00 |  |  |  |  |  |  |  | 50.847% | XX |  |  | 290.323% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082212 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $2500.00 | $2900.00 | 1004/70 | $2900.00 | Third Party Rental Source | $2158.95 |  | 0.000000 | 0.74 |  |  | 1.34 | 1.34 | $2158.95 |  |  | Yes | 09/01/2024 | 09/01/2025 | 12 | Long Term | $2500.00 | $2900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $258.51 | $242.67 | Level 4-Stated/Verified as defined | No | 1 | 4 | No |  |  | Experienced Investor | 0.86 |  |  | 671 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 90.00% | Full Recourse | 3 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 06/25/2025 | 723 | Fair Isaac (VER. 2) | 650 | FICO Classic V5 Facta | 671 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3/XX/2025 |  | XX | 1 | 1940 | 768 | 3 | 2 | C4 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | XX |  |  | 83.067% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082213 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $3200.00 | $2350.00 | 1004/70 | $3200.00 | Rent on Existing Lease | $2663.88 |  | 0.000000 | 0.83 |  |  | 1.20 | 1.2 | $2663.88 |  |  | Yes | 05/05/2025 | 03/01/2026 | 9 | Long Term | $3200.00 | $2350.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $19200.00 | No |  | $274.91 | $202.56 | Level 3-Stated/Partially Verified | No | 1 | 31 | No |  |  | Experienced Investor | 1.21 |  |  | 735 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 51.00% | Full Recourse | 31 | US Citizen |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 06/02/2025 | 733 | FICO II | 735 | Beacon 5 | 769 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 1 | 1973 | 1340 | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 80.000% | XX |  |  | 116.863% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082214 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $2100.00 | 1004/70 | $2100.00 | Third Party Rental Source | $1797.77 |  | 0.000000 | 0.86 |  |  | 1.17 | 1.17 | $1797.77 |  |  | No |  |  |  | Long Term |  | $2100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $25100.00 | No |  | $269.30 | $223.81 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 0.22 |  |  | 762 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 06/09/2025 | 767 | Fair Isaac (VER. 2) | 760 | FICO Classic V5 Facta | 762 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 1 | 1996 | 1248 | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 127.500% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082215 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $2900.00 | $2200.00 | 1004/70 | $2900.00 | Rent on Existing Lease | $2741.45 |  | 0.000000 | 0.95 |  |  | 1.06 | 1.06 | $2741.45 |  |  | Yes | 04/01/2025 | 04/02/2026 | 12 | Long Term | $2900.00 | $2200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $254.15 | $91.42 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  |  | First-Time Investor | 0.32 |  |  | 773 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/30/2025 | 738 | FICO II | 773 | Beacon 5 | 773 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2025 |  | XX | 1 | 1971 | 1298 | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 79.647% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224082218 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $3625.00 | 1025/72 | $3625.00 | Third Party Rental Source | $3103.93 |  | 0.000000 | 0.86 |  |  | 1.17 | 1.17 | $3103.93 |  |  | No |  |  |  | Long Term |  | $2150.00 | No |  |  |  | Long Term |  | $1475.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $37468.00 | No |  | $434.53 | $262.90 | Level 3-Stated/Partially Verified | No | 1 | 6 | No |  |  | Experienced Investor |  |  |  | 718 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 90.00% | Full Recourse | 7 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/30/2025 | 718 | Fair Isaac (VER. 2) | 735 | FICO Classic V5 Facta | 713 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 | 6/XX/2025 | XX | 2 | 1964 | 2280 | 6 | 2.1 | C4 | XX | $0.00 |  |  |  |  |  |  |  | 70.833% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| XX | 224082219 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $8700.00 | 1025/72 | $8700.00 | Third Party Rental Source | $7457.04 |  | 0.000000 | 0.86 |  |  | 1.17 | 1.17 | $7457.04 |  |  | No |  |  |  | Long Term |  | $3200.00 | No |  |  |  | Long Term |  | $2800.00 | No |  |  |  | Long Term |  | $2700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $90000.00 | No |  | $575.07 | $362.00 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 753 |  |  |  |  | 0 | 0 | 0 | 1 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 04/21/2025 | 753 | Fair Isaac (VER. 2) | 738 | FICO Classic V5 Facta | 756 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 | 5/XX/2025 | XX | 3 | 1901 | 2612 | 6 | 3 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 80.000% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| XX | 224082220 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $2200.00 | 1004/70 | $2200.00 | Third Party Rental Source | $1856.01 |  | 0.000000 | 0.84 |  |  | 1.19 | 1.19 | $1856.01 |  |  | No |  |  |  | Long Term |  | $2200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $30000.00 | No |  | $228.00 | $193.75 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor | 19.18 | US Citizen |  | 690 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 06/02/2025 | 658 | Fair Isaac (VER. 2) | 690 | FICO Classic V5 Facta | 709 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 |  | XX | 1 | 1966 | 1134 | 3 | 1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224082221 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $3150.00 | $2045.00 | 1004/70 | $3150.00 | Rent on Existing Lease | $2245.32 |  | 0.000000 | 0.71 |  |  | 1.40 | 1.4 | $2245.32 |  |  | Yes | 07/01/2025 | 07/01/2026 | 12 | Long Term | $3150.00 | $2045.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $145.28 | $104.33 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No |  | Experienced Investor | 0.27 | US Citizen |  | 769 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | 06/25/2025 | 767 | Fair Isaac (VER. 2) | 784 | FICO Classic V5 Facta | 769 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 |  | XX | 1 | 1977 | 1363 | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 107.143% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082224 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $1400.00 | 1004/70 | $1400.00 | Third Party Rental Source | $1388.99 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $1388.99 |  |  | No |  |  |  | Long Term |  | $1400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $45800.00 | No |  | $372.34 | $130.75 | Level 3-Stated/Partially Verified | No | 1 | 11 | No | No |  | Experienced Investor |  | US Citizen |  | 692 | 40.68 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 06/19/2025 | 679 | Fair Isaac (VER. 2) | 692 | FICO Classic V5 Facta | 716 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 | 6/XX/2025 | XX | 1 | 1970 | 1190 | 3 | 2 | C4 | XX | $0.00 |  |  |  |  |  |  |  | 68.486% | XX |  |  | 70.000% |  |  | 70.000% |  |  |  |  |  |  |  |  |
| XX | 224082227 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $8200.00 | $3500.00 | 1004/70 | $8200.00 | Rent on Existing Lease | $6534.00 |  | 0.000000 | 0.8 |  |  | 1.25 | 1.25 | $6534.00 |  |  | Yes | 07/05/2025 | 07/05/2026 | 12 | Long Term | $8200.00 | $3500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $1227.91 | $782.17 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  | No | Experienced Investor | 2.24 |  | US Citizen | 748 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Trust | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  | Individual | Individual |  | XX | XX | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | 06/26/2025 | 768 | Fair Isaac (VER. 2) | 748 | FICO Classic V5 Facta | 692 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 |  | XX | 1 | 1998 | 2731 | 4 | 4.1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 79.684% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224082228 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $5800.00 | 1025/72 | $5800.00 | Third Party Rental Source | $5750.88 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $5750.88 |  |  | No |  |  |  | Long Term |  | $2100.00 | No |  |  |  | Long Term |  | $1800.00 | No |  |  |  | Long Term |  | $1900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $720.83 | $209.83 | Level 3-Stated/Partially Verified | No | 1 | 2 | No |  |  | First-Time Investor | 4.22 |  |  | 729 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 85.00% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 06/02/2025 | 713 | Fair Isaac (VER. 2) | 729 | FICO Classic V5 Facta | 730 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 |  | XX | 3 | 2025 | 3324 | 7 | 4 | C1 |  | $0.00 |  |  |  |  |  |  |  | 66.479% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224082229 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $4214.00 | 1025/72 | $4214.00 | Third Party Rental Source | $2420.02 |  | 0.000000 | 0.57 |  |  | 1.74 | 1.74 | $2420.02 |  |  | No |  |  |  | Long Term |  | $1200.00 | No |  |  |  | Long Term |  | $1000.00 | No |  |  |  | Long Term |  | $1014.00 | No |  |  |  | Long Term |  | $1000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $378.53 | $152.88 | Level 1-Not Stated/Not Verified | No | 1 | 3 | No |  |  | First-Time Investor | 0.28 |  |  | 759 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 06/18/2025 | 803 | FICO II | 753 | Beacon 5 | 759 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 |  | XX | 4 | 1900 | 2264 | 5 | 4 | C3 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | XX |  |  | 118.192% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082233 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $1750.00 | 1004/70 | $1750.00 | Third Party Rental Source | $1535.07 |  | 0.000000 | 0.88 |  |  | 1.14 | 1.14 | $1535.07 |  |  | No |  |  |  | Long Term |  | $1750.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $189.28 | $113.17 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No |  | Experienced Investor |  | US Citizen |  | 775 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 06/26/2025 | 777 | Fair Isaac (VER. 2) | 773 | FICO Classic V5 Facta | 775 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 | 6/XX/2025 | XX | 1 | 1963 | 1235 | 3 | 1 | C4 | XX | $0.00 |  |  |  |  |  |  |  | 80.189% | XX |  |  | 85.000% |  |  | 85.000% |  |  |  |  |  |  |  |  |
| XX | 224082235 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $2400.00 | 1004/70 | $2400.00 | Third Party Rental Source | $1760.82 |  | 0.000000 | 0.73 |  |  | 1.36 | 1.36 | $1760.82 |  |  | No |  |  |  | Long Term |  | $2400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $35050.00 | Yes | $26.42 | $574.18 | $199.75 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  |  | Experienced Investor |  |  |  | 794 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 80.00% | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/23/2025 | 794 | Fair Isaac (VER. 2) | 792 | FICO Classic V5 Facta | 810 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7/XX/2025 | 6/XX/2025 | XX | 1 | 2004 | 1594 | 3 | 2 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 46.012% | XX |  |  | 50.000% |  |  | 50.000% |  |  |  |  |  |  |  |  |
| XX | 224082237 | XX | XX |  |  | XX | XX | XX | XX | Yes |  |  |  |  |  |  |  | $8016.37 |  | 0.397962 |  |  |  |  |  | $8016.37 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $1473.68 | $125.92 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  | 2.72 | US Citizen |  | 724 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Individual | Individual | Employed | XX | XX | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | 01/22/2025 | 733 | Fair Isaac (VER. 2) | 724 | FICO Classic V5 Facta | 707 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1/XX/2025 |  | XX | 1 | 2007 | 2588 | 4 | 2.1 | C3 |  |  | $74055.33 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224082238 | XX | XX |  |  | XX | XX | XX | XX | Yes |  |  |  |  |  |  |  | $3955.28 |  | 0.153143 |  |  |  |  |  | $3955.28 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $280.95 | $94.84 | Level 4-Stated/Verified as defined |  |  |  | No |  |  |  | 2.62 |  |  | 690 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | LLC | Business Entity | Unemployed |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | Classic | 01/29/2025 | 726 | Fair Isaac (VER. 2) | 672 | FICO Classic V5 Facta | 690 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2/XX/2025 |  | XX | 1 | 1957 | 1210 | 2 | 1 | C2 |  |  | $42003.00 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224082247 | XX | XX |  |  | XX | XX | XX | XX | Yes |  |  |  |  |  |  |  | $2990.26 |  | 0.352368 |  |  |  |  |  | $2990.26 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $277.00 | $292.84 | $58.33 | Level 1-Not Stated/Not Verified |  |  |  | No |  |  |  |  |  |  | 730 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | LLC | Business Entity | Unemployed |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | Non-Permanent Resident Alien | VISA | XX | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | Classic | 03/05/2025 | 727 | Fair Isaac (VER. 2) | 730 | Beacon 5 | 730 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3/XX/2025 |  | XX | 1 | 2024 | 1498 | 3 | 2.1 | C1 | XX |  | $8832.42 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224082248 | XX | XX |  |  | XX | XX | XX | XX | No |  |  |  |  |  |  |  | $1642.36 |  | 0.471101 |  |  |  |  |  | $1642.36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $291.93 | $61.45 | Level 1-Not Stated/Not Verified |  |  |  | No |  |  |  | 1.40 |  |  | 739 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | LLC | Business Entity | Unemployed |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | Level 4-Stated/Verified as defined | Classic | 04/15/2025 | 726 | Fair Isaac (VER. 2) | 690 | Beacon 5 | 730 | FICO Risk Score Classic 04 | 3 | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | Level 4-Stated/Verified as defined | Classic | 04/15/2025 | 744 | Fair Isaac (VER. 2) | 717 | Beacon 5 | 739 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2025 |  | XX | 1 | 1977 | 1205 | 3 | 2 | C3 |  |  | $7358.00 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224082249 | XX | XX |  |  | XX | XX | XX | XX | Yes |  |  |  |  |  |  |  | $5417.44 |  | 0.144880 |  |  |  |  |  | $5417.44 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $699.20 | $103.50 | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  | 3.72 | US Citizen | US Citizen | 702 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Individual | Individual | Employed | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 04/24/2025 | 651 | Fair Isaac (VER. 2) | 682 | FICO Classic V5 Facta | 671 | FICO Risk Score Classic 04 | Individual | Individual | Employed | XX | XX | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 04/24/2025 | 702 | Fair Isaac (VER. 2) | 695 | FICO Classic V5 Facta | 704 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2025 |  | XX | 3 | 1950 | 3891 | 7 | 4 | C4 |  |  | $112771.98 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224082250 | XX | XX |  |  | XX | XX | XX | XX | Yes |  |  |  |  |  |  |  | $7966.70 |  | 0.391887 |  |  |  |  |  | $7966.70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $875.00 | $90.02 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  | 0.24 | US Citizen |  | 705 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Individual | Individual | Employed | XX | XX | 13 | US Citizen |  |  | Level 4-Stated/Verified as defined | 04/01/2025 | 705 | Fair Isaac (VER. 2) | 707 | FICO Classic V5 Facta | 696 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2025 |  | XX | 1 | 1955 | 1173 | 3 | 2 | C3 |  |  | $145611.71 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224082284 | XX | XX |  |  | XX | XX | XX | XX | No |  |  |  |  |  |  |  | $3717.17 |  | 0.479172 |  |  |  |  |  | $3717.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $625.00 | $994.35 | $228.66 | Level 3-Stated/Partially Verified |  |  |  | No | No |  |  |  | US Citizen |  | 692 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Individual | Individual | Employed | XX | XX | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 06/17/2025 | 732 | Fair Isaac (VER. 2) | 692 | FICO Classic V5 Facta | 636 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 |  | XX | 1 | 2008 | 2121 | 3 | 2.1 | C3 | XX |  | $10843.22 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224082288 | XX | XX |  |  | XX | XX | XX | XX | Yes |  |  |  |  |  |  |  | $6952.20 |  | 0.019383 |  |  |  |  |  | $6952.20 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $1506.75 | $431.45 | Level 1-Not Stated/Not Verified |  |  |  | No |  |  |  |  |  |  | 672 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | LLC | Business Entity | Unemployed |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | Classic | 04/29/2025 | 672 | Fair Isaac (VER. 2) | 677 | FICO Classic V5 Facta | 663 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 1 | 2007 | 1811 | 3 | 2 | C3 | XX |  | $722143.37 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224082300 | XX | XX |  |  | XX | XX | XX | XX | Yes |  |  |  |  |  |  |  | $6104.03 |  | 0.078791 |  |  |  |  |  | $6104.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $694.58 | $190.60 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | Non-Permanent Resident Alien |  | 727 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Individual | Individual | Employed | XX | XX | 2 | Non-Permanent Resident Alien | Employment Authorization | XX | Level 4-Stated/Verified as defined | 04/16/2025 | 726 | Fair Isaac (VER. 2) | 727 | FICO Classic V5 Facta | 744 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2025 |  | XX | 1 | 2025 | 2771 | 5 | 4.1 | C1 | XX |  | $166793.35 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224082319 | XX | XX |  |  | XX | XX | XX | XX | Yes |  |  |  |  |  |  |  | $2567.92 |  | 0.311117 |  |  |  |  |  | $2567.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $98.75 | $204.10 | $196.58 | Level 1-Not Stated/Not Verified |  |  |  | No |  |  |  |  |  |  | 715 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | LLC | Business Entity | Unemployed |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 7 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | Classic | 05/16/2025 | 715 | FICO II | 709 | Beacon 5 | 744 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 1 | 2025 | 2435 | 5 | 3 | C1 | XX |  | $81601.07 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224082334 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  | $3050.00 | 1004/70 | $2426.66 | Multiple Sources | $1891.70 |  | 0.000000 | 0.78 |  |  | 1.28 | 1.28 | $1891.70 |  |  | No |  |  |  | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  | $3050.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $62.42 | $138.58 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  |  | Experienced Investor |  |  |  | 809 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/04/2025 | 817 | Fair Isaac (VER. 2) | 809 | FICO Classic V5 Facta | 808 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2025 | 5/XX/2025 | XX | 1 | 1998 | 1300 | 1 | 2 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 84.717% | XX |  |  | 85.000% |  |  | 85.000% |  |  |  |  |  |  |  |  |
| XX | 224082341 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $12000.00 | $12000.00 | 1004/70 | $12000.00 | Rent on Existing Lease | $6144.92 |  | 0.000000 | 0.51 |  |  | 1.95 | 1.95 | $6144.92 |  |  | Yes | 03/26/2025 | 03/26/2026 | 12 | Long Term | $12000.00 | $12000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $105000.00 | No |  | $663.03 | $359.58 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | Experienced Investor | 0.15 |  |  | 765 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 51.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/16/2025 | 786 | Fair Isaac (VER. 2) | 765 | FICO Classic V5 Facta | 759 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2025 |  | XX | 1 | 2002 | 1308 | 3 | 2 | C2 |  | $0.00 |  |  |  |  |  |  |  | 64.167% | XX |  |  | 116.490% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082345 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $4300.00 | 1025/72 | $4300.00 | Third Party Rental Source | $3681.31 |  | 0.000000 | 0.86 |  |  | 1.17 | 1.17 | $3681.31 |  |  | No |  |  |  | Long Term |  | $2150.00 | No |  |  |  | Long Term |  | $2150.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $49300.00 | No |  | $698.84 | $188.48 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No | No | Experienced Investor | 0.61 | US Citizen | US Citizen | 802 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 04/30/2025 | 791 | Fair Isaac (VER. 2) | 802 | FICO Classic V5 Facta | 816 | FICO Risk Score Classic 04 | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 04/30/2025 | 740 | Fair Isaac (VER. 2) | 719 | FICO Classic V5 Facta | 742 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2025 |  | XX | 2 | 1985 | 2473 | 6 | 4 | C4 |  | $0.00 |  |  |  |  |  |  |  | 52.500% | XX |  |  | 96.552% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082349 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $4500.00 | $3550.00 | 1004/70 | $4500.00 | Rent on Existing Lease | $3951.40 |  | 0.000000 | 0.88 |  |  | 1.14 | 1.14 | $3951.40 |  |  | Yes | 06/10/2025 | 06/09/2026 | 12 | Long Term | $4500.00 | $3550.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $39800.00 | Yes | $148.00 | $520.92 | $97.17 | Level 2-Stated/Not Verified | No | 1 | 3 | No | No |  | Experienced Investor |  | US Citizen |  | 733 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | 03/11/2025 | 733 | Fair Isaac (VER. 2) | 754 | FICO Classic V5 Facta | 730 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3/XX/2025 | 2/XX/2025 | XX | 1 | 2025 | 2099 | 4 | 3 | C1 | XX | $0.00 |  |  |  |  |  |  |  | 74.806% | XX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| XX | 224082350 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $5800.00 | 1004/70 | $5800.00 | Third Party Rental Source | $7029.16 |  | 0.000000 | 1.21 |  |  | 0.83 | 0.83 | $7029.16 |  |  | No |  |  |  | Long Term |  | $3700.00 | No |  |  |  | Long Term |  | $2100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $77147.00 | No |  | $860.68 | $295.08 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No |  | Experienced Investor | 1.01 | US Citizen |  | 790 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 04/10/2025 | 808 | Fair Isaac (VER. 2) | 790 | FICO Classic V5 Facta | 788 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 1 | 1923 | 2314 | 5 | 3 | C3 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | XX |  |  | 144.803% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082351 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $900.00 | $3050.00 | 1025/72 | $3050.00 | Third Party Rental Source | $2407.23 |  | 0.000000 | 0.79 |  |  | 1.27 | 1.27 | $2407.23 |  |  | No |  |  |  | Long Term |  | $2150.00 | Yes |  |  |  | Long Term | $900.00 | $900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $45400.00 | No |  | $124.32 | $132.83 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor | 0.66 | US Citizen |  | 743 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 03/15/2025 | 743 | Fair Isaac (VER. 2) | 723 | FICO Classic V5 Facta | 747 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 2 | 2024 | 1980 | 5 | 2.1 | C2 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 75.000% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082355 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $3000.00 | $4350.00 | 1025/72 | $4075.00 | Multiple Sources | $3136.06 |  | 0.000000 | 0.77 |  |  | 1.30 | 1.3 | $3136.06 |  |  | Yes | 05/01/2025 | 04/30/2026 | 12 | Long Term | $1000.00 | $1100.00 | Yes | 05/01/2025 | 04/30/2026 | 12 | Long Term | $1000.00 | $1100.00 | Yes | 05/01/2025 | 04/30/2026 | 12 | Long Term | $1000.00 | $1075.00 | No |  |  |  | Long Term |  | $1075.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $61800.00 | No |  | $584.38 | $293.17 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 0.12 |  |  | 793 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 50.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/24/2025 | 793 | Fair Isaac (VER. 2) | 798 | FICO Classic V5 Facta | 769 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2025 |  | XX | 4 | 1922 | 2392 | 4 | 4 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224082356 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  | $4600.00 | 1004/70 | $3680.00 | Multiple Sources | $2396.92 |  | 0.000000 | 0.65 |  |  | 1.54 | 1.54 | $2396.92 |  |  | No |  |  |  | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  | $4600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $76852.00 | No |  | $184.50 | $244.00 | Level 4-Stated/Verified as defined | No | 1 | 5 | No | No |  | Experienced Investor | 4.88 | US Citizen |  | 776 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 5 | US Citizen |  |  | Level 4-Stated/Verified as defined | 04/04/2025 | 776 | Fair Isaac (VER. 2) | 761 | FICO Classic V5 Facta | 780 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2025 |  | XX | 1 | 2004 | 1149 | 1 | 3 | C3 |  | $0.00 |  |  |  |  |  |  |  | 43.511% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224082357 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $1550.00 | 1004/70 | $1550.00 | Third Party Rental Source | $1516.43 |  | 0.000000 | 0.98 |  |  | 1.02 | 1.02 | $1516.43 |  |  | No |  |  |  | Long Term |  | $1550.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $155.25 | $52.25 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  |  | Experienced Investor |  |  |  | 745 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 7 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 03/17/2025 | 736 | Fair Isaac (VER. 2) | 770 | FICO Classic V5 Facta | 745 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2025 | 5/XX/2025 | XX | 1 | 1962 | 706 | 2 | 1 | C4 | XX | $0.00 |  |  |  |  |  |  |  | 80.000% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| XX | 224082363 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $3400.00 | $3500.00 | 1004/70 | $3400.00 | Rent on Existing Lease | $2248.59 |  | 0.000000 | 0.66 |  |  | 1.51 | 1.51 | $2248.59 |  |  | Yes | 05/31/2025 | 05/31/2026 | 12 | Long Term | $3400.00 | $3500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $20614.00 | No |  | $397.39 | $80.09 | Level 3-Stated/Partially Verified | No | 1 | 3 | No | No |  | Experienced Investor |  | US Citizen |  | 744 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 05/05/2025 | 744 | Fair Isaac (VER. 2) | 767 | FICO Classic V5 Facta | 710 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 | 4/XX/2025 | XX | 1 | 1989 | 1296 | 4 | 2 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 81.710% | XX |  |  | 85.000% |  |  | 85.000% |  |  |  |  |  |  |  |  |
| XX | 224082364 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $4095.00 | $4200.00 | 1004/70 | $8117.57 | Multiple Sources | $7736.40 |  | 0.000000 | 0.95 |  |  | 1.05 | 1.05 | $7736.40 |  |  | Yes |  |  |  | Long Term | $4095.00 | $4200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $55000.00 | No |  | $615.90 | $213.75 | Level 4-Stated/Verified as defined | No | 1 | 6 | No |  |  | Experienced Investor | 1.01 |  |  | 704 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 6 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 3-Stated/Partially Verified | Classic | 05/22/2025 | 702 | Fair Isaac (VER. 2) | 704 | FICO Classic V5 Facta | 726 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2025 |  | XX | 1 | 1913 | 2124 | 4 | 2.1 | C3 |  | $0.00 | $3917.57 |  |  |  |  |  |  | 62.500% | XX |  |  | 101.010% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082369 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $1550.00 | 1004/70 | $1550.00 | Third Party Rental Source | $1315.73 |  | 0.000000 | 0.85 |  |  | 1.18 | 1.18 | $1315.73 |  |  | No |  |  |  | Long Term |  | $1550.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $336.05 | $105.66 | Level 3-Stated/Partially Verified | No | 1 | 0 | No | No |  | First-Time Investor |  | Permanent Resident Alien |  | 757 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | Permanent Resident Alien |  |  | Level 3-Stated/Partially Verified | 04/29/2025 | 757 | FICO II | 736 | Beacon 5 | 762 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2025 | 4/XX/2025 | XX | 1 | 2016 | 1156 | 3 | 2 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 72.674% | XX |  |  | 75.758% |  |  | 75.758% |  |  |  |  |  |  |  |  |
| XX | 224082372 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $1925.00 | $2025.00 | 1004/70 | $1925.00 | Rent on Existing Lease | $1489.15 |  | 0.000000 | 0.77 |  |  | 1.29 | 1.29 | $1489.15 |  |  | Yes | 05/16/2025 | 05/19/2026 | 12 | Long Term | $1925.00 | $2025.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $21800.00 | No |  | $135.98 | $162.40 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 0.25 |  |  | 713 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/05/2025 | 713 | Fair Isaac (VER. 2) | 756 | FICO Classic V5 Facta | 694 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 1 | 1928 | 1194 | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 72.177% | XX |  |  | 203.409% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082374 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $5650.00 | 1004/70 | $5650.00 | Third Party Rental Source | $6866.59 |  | 0.000000 | 1.22 |  |  | 0.82 | 0.82 | $6866.59 |  |  | No |  |  |  | Long Term |  | $5650.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $693.81 | $328.75 | Level 3-Stated/Partially Verified | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 692 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 04/17/2025 | 696 | Fair Isaac (VER. 2) | 688 | FICO Classic V5 Facta | 692 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2025 | 4/XX/2025 | XX | 1 | 1963 | 2162 | 4 | 2.1 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 70.000% | XX |  |  | 70.000% |  |  | 70.000% |  |  |  |  |  |  |  |  |
| XX | 224082376 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $1650.00 | $1650.00 | 1004/70 | $1650.00 | Rent on Existing Lease | $1568.96 |  | 0.000000 | 0.95 |  |  | 1.05 | 1.05 | $1568.96 |  |  | Yes | 02/01/2025 | 01/31/2026 | 12 | Long Term | $1650.00 | $1650.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $4000.00 | Yes | $0.00 | $298.49 | $82.51 | Level 1-Not Stated/Not Verified | No | 1 | 9 | No |  |  | Experienced Investor | 3.04 |  |  | 758 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | Permanent Resident Alien |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/18/2025 | 758 | Fair Isaac (VER. 2) | 742 | FICO Classic V5 Facta | 792 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2025 |  | XX | 1 | 2007 | 1192 | 2 | 1.1 | C4 |  | $0.00 |  |  |  |  |  |  |  | 80.000% | XX |  |  | 8.190% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082379 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $4346.00 | 1004/70 | $4346.00 | Third Party Rental Source | $3887.76 |  | 0.000000 | 0.89 |  |  | 1.12 | 1.12 | $3887.76 |  |  | No |  |  |  | Long Term |  | $4346.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $40000.00 | No |  | $425.77 | $146.75 | Level 4-Stated/Verified as defined | No | 1 | 5 | No |  |  | Experienced Investor | 0.32 |  |  | 722 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 5 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/28/2025 | 724 | Fair Isaac (VER. 2) | 702 | FICO Classic V5 Facta | 722 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 1 | 1925 | 1779 | 4 | 2 | C4 |  | $0.00 |  |  |  |  |  |  |  | 60.000% | XX |  |  | 60.000% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082380 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $1650.00 | $1550.00 | 1004/70 | $1650.00 | Rent on Existing Lease | $1568.96 |  | 0.000000 | 0.95 |  |  | 1.05 | 1.05 | $1568.96 |  |  | Yes | 05/01/2025 | 04/30/2026 | 12 | Long Term | $1650.00 | $1550.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $4000.00 | No |  | $298.49 | $82.51 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  |  | Experienced Investor | 3.04 |  |  | 758 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 50.00% | Full Recourse | 8 | Permanent Resident Alien |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/18/2025 | 758 | Fair Isaac (VER. 2) | 742 | FICO Classic V5 Facta | 792 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3/XX/2025 |  | XX | 1 | 2007 | 1192 | 2 | 1.1 | C4 |  | $0.00 |  |  |  |  |  |  |  | 80.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224082385 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $1200.00 | 1004/70 | $1200.00 | Third Party Rental Source | $1039.74 |  | 0.000000 | 0.87 |  |  | 1.15 | 1.15 | $1039.74 |  |  | No |  |  |  | Long Term |  | $1200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $18000.00 | No |  | $54.67 | $93.57 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | Experienced Investor | 0.28 |  |  | 765 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 50.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/13/2025 | 737 | Fair Isaac (VER. 2) | 767 | FICO Classic V5 Facta | 751 | FICO Risk Score Classic 04 | 3 | XX | XX | 50.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/13/2025 | 752 | Fair Isaac (VER. 2) | 772 | FICO Classic V5 Facta | 765 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 1 | 1928 | 928 | 3 | 1.1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 335.526% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082386 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term |  | $3200.00 | 1025/72 | $3200.00 | Third Party Rental Source | $2822.07 |  | 0.000000 | 0.88 |  |  | 1.13 | 1.13 | $2822.07 |  |  | Yes | 09/01/2024 | 09/30/2025 | 13 | Long Term |  | $1600.00 | Yes | 12/01/2024 | 12/31/2025 | 13 | Long Term |  | $1600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $49600.00 | No |  | $392.87 | $129.25 | Level 3-Stated/Partially Verified | No | 1 | 2 | No | No |  | Experienced Investor | 1.76 | US Citizen |  | 746 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 3 | US Citizen |  |  | Level 3-Stated/Partially Verified | 03/31/2025 | 702 | Fair Isaac (VER. 2) | 763 | FICO Classic V5 Facta | 746 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3/XX/2025 |  | XX | 2 | 1953 | 1736 | 4 | 2 | C4 |  | $0.00 |  |  |  |  |  |  |  | 84.733% | XX |  |  | 90.000% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082388 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $8250.00 | 1004/70 | $13250.00 | Multiple Sources | $10120.84 |  | 0.000000 | 0.76 |  |  | 1.31 | 1.31 | $10120.84 |  |  | No |  |  |  | Long Term |  | $8250.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $2185.94 | $1110.87 | Level 1-Not Stated/Not Verified | No | 1 | 3 | No |  |  | Experienced Investor | 3.04 |  |  | 688 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 3-Stated/Partially Verified | Classic | 05/06/2025 | 691 | Fair Isaac (VER. 2) | 684 | FICO Classic V5 Facta | 688 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 1 | 1955 | 2179 | 4 | 2 | C2 |  | $0.00 | $5000.00 |  |  |  |  |  |  | 48.750% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224082389 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $1650.00 | $1515.00 | 1004/70 | $1650.00 | Rent on Existing Lease | $1541.26 |  | 0.000000 | 0.93 |  |  | 1.07 | 1.07 | $1541.26 |  |  | Yes | 01/01/2025 | 12/31/2025 | 12 | Long Term | $1650.00 | $1515.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $4000.00 | Yes |  | $298.42 | $82.51 | Level 1-Not Stated/Not Verified | No | 1 | 8 | No |  |  | Experienced Investor | 3.04 |  |  | 758 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 50.00% | Full Recourse | 9 | Permanent Resident Alien |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/18/2025 | 758 | Fair Isaac (VER. 2) | 742 | FICO Classic V5 Facta | 792 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 1 | 2007 | 1192 | 2 | 1.1 | C4 |  | $0.00 |  |  |  |  |  |  |  | 80.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224082390 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $1700.00 | $1515.00 | 1004/70 | $1700.00 | Rent on Existing Lease | $1541.26 |  | 0.000000 | 0.91 |  |  | 1.10 | 1.1 | $1541.26 |  |  | Yes | 12/01/2024 | 11/30/2025 | 12 | Long Term | $1700.00 | $1515.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $4000.00 | Yes |  | $298.42 | $82.51 | Level 1-Not Stated/Not Verified | No | 1 | 8 | No |  |  | Experienced Investor | 3.04 |  |  | 758 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 99.00% | Full Recourse | 9 | Permanent Resident Alien |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/18/2025 | 758 | Fair Isaac (VER. 2) | 742 | FICO Classic V5 Facta | 792 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2025 |  | XX | 1 | 2007 | 1192 | 2 | 1.1 | C4 |  | $0.00 |  |  |  |  |  |  |  | 80.000% | XX |  |  | 8.000% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082395 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $2700.00 | 1073/465 | $3831.48 | Multiple Sources | $3646.02 |  | 0.000000 | 0.95 |  |  | 1.05 | 1.05 | $3646.02 |  |  | No |  |  |  | Long Term |  | $2700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $15000.00 | Yes | $75.00 | $385.54 | $53.00 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No |  | Experienced Investor | 0.30 | US Citizen |  | 738 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/09/2025 | 738 | Fair Isaac (VER. 2) | 760 | FICO Classic V5 Facta | 710 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2025 |  | XX | 1 | 2014 | 936 | 2 | 1 | C2 |  | $0.00 | $1131.48 |  |  |  |  |  |  | 70.000% | XX |  |  | 72.626% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082396 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $5200.00 | 1004/70 | $5200.00 | Third Party Rental Source | $4146.64 |  | 0.000000 | 0.8 |  |  | 1.25 | 1.25 | $4146.64 |  |  | No |  |  |  | Long Term |  | $5200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $59260.00 | No |  | $1297.33 | $127.67 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  |  | First-Time Investor |  |  |  | 762 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/23/2025 | 762 | Fair Isaac (VER. 2) | 744 | FICO Classic V5 Facta | 771 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2025 | 4/XX/2025 | XX | 1 | 1923 | 1728 | 3 | 2 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 73.716% | XX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| XX | 224082400 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $2350.00 | 1004/70 | $2350.00 | Third Party Rental Source | $3031.05 |  | 0.000000 | 1.29 |  |  | 0.78 | 0.78 | $3031.05 |  |  | No |  |  |  | Long Term |  | $2350.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $47793.00 | Yes | $196.92 | $342.01 | $137.92 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 715 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/20/2025 | 687 | FICO II | 718 | Beacon 5 | 715 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 | 4/XX/2025 | XX | 1 | 1995 | 2571 | 4 | 2 | C4 | XX | $0.00 |  |  |  |  |  |  |  | 72.988% | XX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| XX | 224082401 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $2000.00 | 1004/70 | $2000.00 | Third Party Rental Source | $1953.73 |  | 0.000000 | 0.98 |  |  | 1.02 | 1.02 | $1953.73 |  |  | No |  |  |  | Long Term |  | $2000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $34300.00 | No |  | $169.60 | $150.31 | Level 4-Stated/Verified as defined | No | 5 | 16 | No | No |  | Experienced Investor |  | US Citizen |  | 742 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | 04/17/2025 | 742 | Fair Isaac (VER. 2) | 715 | Beacon 5 | 750 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 | 5/XX/2025 | XX | 1 | 1969 | 1856 | 3 | 2.1 | C4 | XX | $0.00 |  |  |  |  |  |  |  | 77.968% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| XX | 224082405 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $5000.00 | $3250.00 | 1004/70 | $5000.00 | Rent on Existing Lease | $4826.58 |  | 0.000000 | 0.97 |  |  | 1.04 | 1.04 | $4826.58 |  |  | Yes | 07/01/2025 | 06/30/2026 | 12 | Long Term | $5000.00 | $3250.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $380.46 | $77.78 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 794 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/14/2025 | 794 | Fair Isaac (VER. 2) | 798 | FICO Classic V5 Facta | 770 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 | 5/XX/2025 | XX | 1 | 1994 | 1093 | 3 | 2 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 84.426% | XX |  |  | 85.000% |  |  | 85.000% |  |  |  |  |  |  |  |  |
| XX | 224082416 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $4500.00 | 1004/70 | $4500.00 | Third Party Rental Source | $3795.19 |  | 0.000000 | 0.84 |  |  | 1.19 | 1.19 | $3795.19 |  |  | No |  |  |  | Long Term |  | $4500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $34212.00 | Yes | $89.00 | $424.92 | $128.54 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 786 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/09/2025 | 804 | Fair Isaac (VER. 2) | 786 | FICO Classic V5 Facta | 786 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 | 3/XX/2025 | XX | 1 | 2025 | 2136 | 4 | 3 | C1 | XX | $0.00 |  |  |  |  |  |  |  | 76.178% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| XX | 224082418 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $2900.00 | $2900.00 | 1073/465 | $2900.00 | Rent on Existing Lease | $2681.80 |  | 0.000000 | 0.92 |  |  | 1.08 | 1.08 | $2681.80 |  |  | Yes | 09/01/2021 | 12/31/2025 | 52 | Long Term | $2900.00 | $2900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Yes | $315.00 | $324.92 | $96.83 | Level 4-Stated/Verified as defined | No | 1 | 6 | No | No |  | Experienced Investor | 6.70 | Permanent Resident Alien |  | 713 | 94.8 |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 5 | Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | 04/10/2025 | 725 | Fair Isaac (VER. 2) | 693 | FICO Classic V5 Facta | 713 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 1 | 1968 | 973 | 1 | 1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224082419 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $1800.00 | 1004/70 | $1800.00 | Third Party Rental Source | $1238.34 |  | 0.000000 | 0.69 |  |  | 1.45 | 1.45 | $1238.34 |  |  | No |  |  |  | Long Term |  | $1800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $173.44 | $80.42 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 0.18 |  |  | 736 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 50.00% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/30/2025 | 743 | FICO II | 736 | Beacon 5 | 709 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2025 |  | XX | 1 | 1942 | 1381 | 4 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 295.673% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082421 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $2150.00 | 1004/70 | $2150.00 | Third Party Rental Source | $1828.77 |  | 0.000000 | 0.85 |  |  | 1.18 | 1.18 | $1828.77 |  |  | No |  |  |  | Long Term |  | $2150.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $141.89 | $92.67 | Level 3-Stated/Partially Verified | No | 1 | 3 | No | No |  | Experienced Investor |  | US Citizen |  | 792 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | 05/16/2025 | 792 | Fair Isaac (VER. 2) | 796 | FICO Classic V5 Facta | 772 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 | 5/XX/2025 | XX | 1 | 1978 | 1720 | 3 | 2.1 | C4 | XX | $0.00 |  |  |  |  |  |  |  | 77.288% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| XX | 224082423 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $1800.00 | $1800.00 | 1004/70 | $1800.00 | Rent on Existing Lease | $1169.93 |  | 0.000000 | 0.65 |  |  | 1.54 | 1.54 | $1169.93 |  |  | Yes | 06/01/2025 | 05/31/2026 | 12 | Long Term | $1800.00 | $1800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $18000.00 | No |  | $65.66 | $94.24 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 0.42 |  |  | 797 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/13/2025 | 797 | Fair Isaac (VER. 2) | 806 | FICO Classic V5 Facta | 796 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 1 | 1924 | 1330 | 3 | 1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 72.524% | XX |  |  | 139.773% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082430 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $11500.00 | 1025/72 | $11500.00 | Third Party Rental Source | $6401.79 |  | 0.000000 | 0.56 |  |  | 1.80 | 1.8 | $6401.79 |  |  | No |  |  |  | Long Term |  | $8000.00 | No |  |  |  | Long Term |  | $3500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $1125.21 | $381.42 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  |  | Experienced Investor | 14.70 |  |  | 765 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 90.00% | Full Recourse | 3 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 03/19/2025 | 765 | FICO II | 743 | Beacon 5 | 769 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3/XX/2025 |  | XX | 2 | 2025 | 4345 | 9 | 4 | Average |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 322.159% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082439 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $2050.00 | 1004/70 | $2050.00 | Third Party Rental Source | $1869.03 |  | 0.000000 | 0.91 |  |  | 1.10 | 1.1 | $1869.03 |  |  | No |  |  |  | Long Term |  | $2050.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $490.64 | $117.09 | Level 3-Stated/Partially Verified | No | 1 | 2 | No | No |  | First-Time Investor |  | US Citizen |  | 757 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 05/01/2025 | 765 | Fair Isaac (VER. 2) | 751 | FICO Classic V5 Facta | 757 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 | 5/XX/2025 | XX | 1 | 1978 | 1656 | 3 | 2 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 71.111% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| XX | 224082440 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $5000.00 | 1004/70 | $5000.00 | Third Party Rental Source | $2678.51 |  | 0.000000 | 0.54 |  |  | 1.87 | 1.87 | $2678.51 |  |  | No |  |  |  | Long Term |  | $5000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $166200.00 | No |  | $326.96 | $386.42 | Level 2-Stated/Not Verified | No | 1 | 2 | No | No | No | Experienced Investor |  | US Citizen | US Citizen | 749 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | 04/30/2025 | 758 | Fair Isaac (VER. 2) | 749 | FICO Classic V5 Facta | 749 | FICO Risk Score Classic 04 | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | 04/30/2025 | 805 | Fair Isaac (VER. 2) | 735 | FICO Classic V5 Facta | 709 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2025 | 4/XX/2025 | XX | 1 | 1981 | 2464 | 5 | 3 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 27.900% | XX |  |  | 28.685% |  |  | 28.685% |  |  |  |  |  |  |  |  |
| XX | 224082448 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $2100.00 | $2175.00 | 1004/70 | $2175.00 | Third Party Rental Source | $1933.65 |  | 0.000000 | 0.89 |  |  | 1.12 | 1.12 | $1933.65 |  |  | Yes | 05/01/2025 | 05/01/2026 | 12 | Long Term | $2100.00 | $2175.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $239.00 | $108.17 | Level 4-Stated/Verified as defined | No | 1 | 4 | No |  |  | Experienced Investor | 0.30 |  |  | 778 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 50.00% | Full Recourse | 3 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/24/2025 | 774 | Fair Isaac (VER. 2) | 778 | FICO Classic V5 Facta | 783 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2025 |  | XX | 1 | 1953 | 1550 | 4 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 107.333% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082457 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $2195.00 | 1004/70 | $2195.00 | Third Party Rental Source | $1684.93 |  | 0.000000 | 0.77 |  |  | 1.30 | 1.3 | $1684.93 |  |  | No |  |  |  | Long Term |  | $2195.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Yes | $6.25 | $421.12 | $163.25 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  |  | Experienced Investor |  |  |  | 744 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 50.00% | Full Recourse | 4 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/10/2025 | 764 | Fair Isaac (VER. 2) | 744 | FICO Classic V5 Facta | 740 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 | 4/XX/2025 | XX | 1 | 2024 | 1469 | 3 | 2 | C2 | XX | $0.00 |  |  |  |  |  |  |  | 70.000% | XX |  |  | 70.000% |  |  | 70.000% |  |  |  |  |  |  |  |  |
| XX | 224082459 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $2000.00 | $2150.00 | 1004/70 | $2150.00 | Third Party Rental Source | $1296.05 |  | 0.000000 | 0.6 |  |  | 1.66 | 1.66 | $1296.05 |  |  | Yes | 05/01/2022 | 05/31/2025 | 37 | Long Term | $2000.00 | $2150.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | Yes | $105.00 | $192.17 | $77.00 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No | No | Experienced Investor | 10.42 | US Citizen | US Citizen | 711 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/07/2025 | 698 | Fair Isaac (VER. 2) | 728 | Beacon 5 | 711 | FICO Risk Score Classic 04 | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/07/2025 | 664 | Fair Isaac (VER. 2) | 692 | Beacon 5 | 665 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 1 | 2004 | 1730 | 4 | 3 | C4 |  | $0.00 |  |  |  |  |  |  |  | 34.091% | XX |  |  | 81.744% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082466 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $5850.00 | 1073/465 | $8838.58 | Multiple Sources | $7842.82 |  | 0.000000 | 0.89 |  |  | 1.13 | 1.13 | $7842.82 |  |  | No |  |  |  | Long Term |  | $5850.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Yes | $1776.00 | $1538.60 | $201.83 | Level 3-Stated/Partially Verified | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 776 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual | Retired | XX | XX | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | 05/13/2025 | 791 | Fair Isaac (VER. 2) | 770 | FICO Classic V5 Facta | 776 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 | 5/XX/2025 | XX | 1 | 2019 | 2643 | 2 | 3 | C3 | XX | $0.00 | $2988.58 |  |  |  |  |  |  | 65.132% | XX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| XX | 224082467 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $2400.00 | Stated | $2400.00 | Third Party Rental Source | $2056.72 |  | 0.000000 | 0.86 |  |  | 1.17 | 1.17 | $2056.72 |  |  | No |  |  |  | Long Term |  | $2400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $38400.00 | No |  | $389.75 | $153.99 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | Experienced Investor | 0.76 |  |  | 704 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/07/2025 | 718 | Fair Isaac (VER. 2) | 669 | FICO Classic V5 Facta | 704 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 1 |  |  |  |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  |  |  | 113.718% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082469 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Short Term |  | $3321.00 | 1004/70 | $2656.80 | Multiple Sources | $2539.83 |  | 0.000000 | 0.96 |  |  | 1.05 | 1.05 | $2539.83 |  |  | No |  |  |  | Short Term |  | $3321.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $554.80 | $163.95 | Level 3-Stated/Partially Verified | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 770 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 3 | US Citizen |  |  | Level 3-Stated/Partially Verified | 06/05/2025 | 753 | FICO II | 778 | Beacon 5 | 770 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 | 5/XX/2025 | XX | 1 | 1994 | 1332 | 2 | 2 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 72.806% | XX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| XX | 224082474 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $3550.00 | $2400.00 | 1004/70 | $3550.00 | Rent on Existing Lease | $2816.13 |  | 0.000000 | 0.79 |  |  | 1.26 | 1.26 | $2816.13 |  |  | Yes | 06/09/2025 | 06/08/2028 | 36 | Long Term | $3550.00 | $2400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | Yes | $33.33 | $104.56 | $183.18 | Level 3-Stated/Partially Verified | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 760 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 02/18/2025 | 764 | Fair Isaac (VER. 2) | 760 | FICO Classic V5 Facta | 741 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 | 5/XX/2025 | XX | 1 | 2000 | 2633 | 5 | 3 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 83.046% | XX |  |  | 85.000% |  |  | 85.000% |  |  |  |  |  |  |  |  |
| XX | 224082480 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $6200.00 | 1025/72 | $13071.83 | Multiple Sources | $7957.33 |  | 0.000000 | 0.61 |  |  | 1.64 | 1.64 | $7957.33 |  |  | No |  |  |  | Long Term |  | $3100.00 | No |  |  |  | Long Term |  | $3100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $270200.00 | No |  | $774.08 | $449.17 | Level 3-Stated/Partially Verified | No | 1 | 1 | No | No | No | First-Time Investor |  | US Citizen | US Citizen | 812 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual | Retired | XX | XX | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | 03/20/2025 | 821 | Fair Isaac (VER. 2) | 806 | FICO Classic V5 Facta | 812 | FICO Risk Score Classic 04 | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | 03/20/2025 | 749 | Fair Isaac (VER. 2) | 743 | FICO Classic V5 Facta | 733 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3/XX/2025 | 3/XX/2025 | XX | 2 | 1910 | 3042 | 6 | 2 | Average | XX | $0.00 | $6871.83 |  |  |  |  |  |  | 72.222% | XX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| XX | 224082481 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $6000.00 | $5200.00 | 1025/72 | $5200.00 | Third Party Rental Source | $4415.40 |  | 0.000000 | 0.85 |  |  | 1.18 | 1.18 | $4415.40 |  |  | Yes | 05/15/2025 | 05/15/2026 | 12 | Long Term | $3800.00 | $3000.00 | Yes | 05/15/2025 | 05/15/2026 | 12 | Long Term | $2200.00 | $2200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $869.63 | $313.25 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 2.79 | US Citizen |  | 745 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 26 | US Citizen |  |  | Level 4-Stated/Verified as defined | 02/28/2025 | 782 | Fair Isaac (VER. 2) | 732 | FICO Classic V5 Facta | 745 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2025 |  | XX | 2 | 1952 | 1404 | 4 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | XX |  |  | 100.000% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082482 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $4300.00 | 1004/70 | $4300.00 | Third Party Rental Source | $3967.32 |  | 0.000000 | 0.92 |  |  | 1.08 | 1.08 | $3967.32 |  |  | No |  |  |  | Long Term |  | $4300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $68654.00 | Yes | $531.00 | $965.71 | $200.52 | Level 3-Stated/Partially Verified | No | 1 | 2 | No |  |  | Experienced Investor |  |  |  | 728 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/13/2025 | 748 | Fair Isaac (VER. 2) | 725 | FICO Classic V5 Facta | 728 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 | 5/XX/2025 | XX | 1 | 2019 | 3929 | 9 | 5 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 50.000% | XX |  |  | 53.846% |  |  | 53.846% |  |  |  |  |  |  |  |  |
| XX | 224082484 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $1400.00 | $1900.00 | 1004/70 | $1900.00 | Third Party Rental Source | $1341.22 |  | 0.000000 | 0.71 |  |  | 1.42 | 1.42 | $1341.22 |  |  | Yes | 06/01/2025 | 01/01/2026 | 7 | Long Term | $1400.00 | $1900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $24900.00 | No |  | $104.17 | $96.17 | Level 3-Stated/Partially Verified | No | 1 | 4 | No | No |  | Experienced Investor | 0.12 | US Citizen |  | 777 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 3 | US Citizen |  |  | Level 3-Stated/Partially Verified | 02/24/2025 | 782 | Fair Isaac (VER. 2) | 777 | FICO Classic V5 Facta | 766 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 1 | 1980 | 916 | 2 | 1 | C4 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224082485 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $3700.00 | 1073/465 | $6533.33 | Multiple Sources | $5453.60 |  | 0.000000 | 0.83 |  |  | 1.20 | 1.2 | $5453.60 |  |  | No |  |  |  | Long Term |  | $3700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Yes | $504.00 | $791.67 | $221.08 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 770 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual | Retired | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/20/2025 | 765 | Fair Isaac (VER. 2) | 780 | FICO Classic V5 Facta | 770 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 | 5/XX/2025 | XX | 1 | 1975 | 1420 | 1 | 1.1 | C3 | XX | $0.00 | $2833.33 |  |  |  |  |  |  | 72.611% | XX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| XX | 224082486 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $4500.00 | 1004/70 | $4784.87 | Multiple Sources | $4763.00 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $4763.00 |  |  | No |  |  |  | Long Term |  | $4500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $55461.00 | Yes | $258.00 | $521.42 | $291.73 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 781 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual | Retired | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/06/2025 | 771 | FICO II | 808 | Beacon 5 | 781 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 | 5/XX/2025 | XX | 1 | 1995 | 2893 | 4 | 2.1 | C4 | XX | $0.00 | $284.87 |  |  |  |  |  |  | 76.522% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| XX | 224082489 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $5600.00 | 1025/72 | $5600.00 | Third Party Rental Source | $4182.39 |  | 0.000000 | 0.75 |  |  | 1.34 | 1.34 | $4182.39 |  |  | No |  |  |  | Long Term |  | $1300.00 | No |  |  |  | Long Term |  | $1500.00 | No |  |  |  | Long Term |  | $1500.00 | No |  |  |  | Long Term |  | $1300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | Yes | $100.00 | $1042.67 | $281.33 | Level 3-Stated/Partially Verified | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 783 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | 05/05/2025 | 759 | Fair Isaac (VER. 2) | 794 | FICO Classic V5 Facta | 783 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 | 5/XX/2025 | XX | 4 | 2024 | 4316 | 10 | 8 | Good | XX | $0.00 |  |  |  |  |  |  |  | 74.044% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| XX | 224082492 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $6000.00 | $5500.00 | 1004/70 | $5500.00 | Third Party Rental Source | $4409.49 |  | 0.000000 | 0.8 |  |  | 1.25 | 1.25 | $4409.49 |  |  | Yes | 03/01/2025 | 02/28/2026 | 12 | Long Term | $6000.00 | $5500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $286200.00 | Yes | $29.17 | $1036.21 | $217.50 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor | 17.69 | US Citizen |  | 768 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 04/30/2025 | 774 | Fair Isaac (VER. 2) | 768 | FICO Classic V5 Facta | 763 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2025 |  | XX | 1 | 1996 | 4085 | 4 | 3.1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 49.735% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224082496 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $1500.00 | 1004/70 | $1500.00 | Third Party Rental Source | $1451.68 |  | 0.000000 | 0.97 |  |  | 1.03 | 1.03 | $1451.68 |  |  | No |  |  |  | Long Term |  | $1500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $42800.00 | No |  | $341.01 | $240.90 | Level 4-Stated/Verified as defined | No | 1 | 8 | No |  |  | Experienced Investor | 0.76 |  |  | 784 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 3 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 06/10/2025 | 780 | FICO II | 784 | Beacon 5 | 802 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 |  | XX | 1 | 1950 | 1364 | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224082497 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $2300.00 | 1025/72 | $2300.00 | Third Party Rental Source | $1625.00 |  | 0.000000 | 0.71 |  |  | 1.42 | 1.42 | $1625.00 |  |  | No |  |  |  | Long Term |  | $1100.00 | No |  |  |  | Long Term |  | $1200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $60720.00 | No |  | $47.24 | $185.58 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | First-Time Investor | 0.09 |  |  | 718 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 07/01/2025 | 712 | Fair Isaac (VER. 2) | 718 | FICO Classic V5 Facta | 727 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 |  | XX | 2 | 1925 | 1394 | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 107.143% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082498 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $1000.00 | $2000.00 | 1004/70 | $2000.00 | Third Party Rental Source | $1930.14 |  | 0.000000 | 0.97 |  |  | 1.04 | 1.04 | $1930.14 |  |  | Yes | 09/01/2024 | 08/01/2025 | 11 | Long Term | $1000.00 | $2000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $214.96 | $99.00 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 17.92 |  |  | 687 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 15.00% | Full Recourse | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 07/01/2025 | 642 | Fair Isaac (VER. 2) | 656 | FICO Classic V5 Facta | 657 | FICO Risk Score Classic 04 | 3 | XX | XX | 85.00% | Full Recourse | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 07/01/2025 | 687 | Fair Isaac (VER. 2) | 678 | FICO Classic V5 Facta | 712 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7/XX/2025 |  | XX | 1 | 2011 | 2049 | 4 | 2.1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 60.000% | XX |  |  | 268.966% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082500 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $1700.00 | 1004/70 | $1700.00 | Third Party Rental Source | $1581.29 |  | 0.000000 | 0.93 |  |  | 1.08 | 1.08 | $1581.29 |  |  | No |  |  |  | Long Term |  | $1700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $27480.00 | No |  | $149.21 | $240.67 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  | No | Experienced Investor | 0.24 |  | Non-Permanent Resident Alien | 703 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  | Individual | Individual |  | XX | XX | 1 | Non-Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | 06/17/2025 | 703 | Fair Isaac (VER. 2) | 686 | FICO Classic V5 Facta | 705 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 |  | XX | 1 | 1954 | 1520 | 3 | 1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 71.875% | XX |  |  | 536.831% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082501 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $3800.00 | 1004/70 | $3800.00 | Third Party Rental Source | $5962.07 |  | 0.000000 | 1.57 |  |  | 0.64 | 0.64 | $5962.07 |  |  | No |  |  |  | Long Term |  | $3800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $279.84 | $240.23 | Level 3-Stated/Partially Verified | No | 1 | 3 | No | No |  | Experienced Investor |  | US Citizen |  | 776 |  |  |  |  | 1 | 0 | 0 | 1 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 06/10/2025 | 776 | Fair Isaac (VER. 2) | 813 | FICO Classic V5 Facta | 704 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7/XX/2025 | 6/XX/2025 | XX | 1 | 1969 | 2423 | 4 | 2.1 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 74.326% | XX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| XX | 224082502 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $2800.00 | $2800.00 | 1004/70 | $2800.00 | Rent on Existing Lease | $2290.45 |  | 0.000000 | 0.82 |  |  | 1.22 | 1.22 | $2290.45 |  |  | Yes | 05/01/2025 | 05/01/2026 | 12 | Long Term | $2800.00 | $2800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $450.62 | $243.27 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  |  | Experienced Investor | 0.20 |  |  | 796 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 25.00% | Full Recourse | 3 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/06/2025 | 720 | Fair Isaac (VER. 2) | 761 | FICO Classic V5 Facta | 743 | FICO Risk Score Classic 04 | 3 | XX | XX | 50.00% | Full Recourse | 3 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/06/2025 | 793 | Fair Isaac (VER. 2) | 796 | FICO Classic V5 Facta | 807 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 1 | 1946 | 1395 | 4 | 1 | C4 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 80.000% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082503 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $2900.00 | 1004/70 | $2900.00 | Third Party Rental Source | $2538.23 |  | 0.000000 | 0.88 |  |  | 1.14 | 1.14 | $2538.23 |  |  | No |  |  |  | Long Term |  | $2900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $27500.00 | No |  | $414.04 | $114.65 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  |  | Experienced Investor |  |  |  | 767 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 07/08/2025 | 742 | Fair Isaac (VER. 2) | 767 | FICO Classic V5 Facta | 774 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 | 5/XX/2025 | XX | 1 | 1960 | 1091 | 3 | 1 | C4 | XX | $0.00 |  |  |  |  |  |  |  | 75.811% | XX |  |  | 85.000% |  |  | 85.000% |  |  |  |  |  |  |  |  |
| XX | 224082504 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $1980.00 | $2225.00 | 1004/70 | $2225.00 | Third Party Rental Source | $1426.80 |  | 0.000000 | 0.64 |  |  | 1.56 | 1.56 | $1426.80 |  |  | Yes | 09/01/2024 | 08/31/2025 | 12 | Long Term | $1980.00 | $2225.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $274.41 | $167.00 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 9.12 | US Citizen |  | 690 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 06/24/2025 | 676 | Fair Isaac (VER. 2) | 702 | FICO Classic V5 Facta | 690 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 |  | XX | 1 | 2000 | 1675 | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 24.917% | XX |  |  | 62.112% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082505 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $1900.00 | $1750.00 | 1004/70 | $1750.00 | Third Party Rental Source | $1483.93 |  | 0.000000 | 0.85 |  |  | 1.18 | 1.18 | $1483.93 |  |  | Yes |  |  |  | Long Term | $1900.00 | $1750.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $28600.00 | No |  | $132.20 | $88.00 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  |  | Experienced Investor | 0.63 |  |  | 783 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 33.33% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 06/26/2025 | 779 | FICO II | 802 | Beacon 5 | 783 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 |  | XX | 1 | 1957 | 1301 | 3 | 2 | C4 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 82.333% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224082506 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $3450.00 | 1004/70 | $4900.00 | Multiple Sources | $3705.03 |  | 0.000000 | 0.76 |  |  | 1.32 | 1.32 | $3705.03 |  |  | No |  |  |  | Long Term |  | $3450.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Yes | $29.17 | $866.50 | $144.71 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No | No | First-Time Investor |  | US Citizen | US Citizen | 803 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual | Retired | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 07/02/2025 | 796 | Fair Isaac (VER. 2) | 751 | FICO Classic V5 Facta | 786 | FICO Risk Score Classic 04 | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 07/02/2025 | 808 | Fair Isaac (VER. 2) | 798 | FICO Classic V5 Facta | 803 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7/XX/2025 | 6/XX/2025 | XX | 1 | 2025 | 3215 | 4 | 3 | C1 | XX | $0.00 | $1450.00 |  |  |  |  |  |  | 69.358% | XX |  |  | 70.000% |  |  | 70.000% |  |  |  |  |  |  |  |  |
| XX | 224082507 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $6860.00 | $6450.00 | 1004/70 | $6860.00 | Rent on Existing Lease | $6826.50 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $6826.50 |  |  | Yes | 07/25/2025 | 07/25/2026 | 12 | Long Term | $6860.00 | $6450.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $100000.00 | No |  | $1772.62 | $137.00 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 726 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 07/02/2025 | 726 | Fair Isaac (VER. 2) | 703 | FICO Classic V5 Facta | 785 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7/XX/2025 | 6/XX/2025 | XX | 1 | 2015 | 4022 | 4 | 5 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 76.624% | XX |  |  | 77.500% |  |  | 77.500% |  |  |  |  |  |  |  |  |
| XX | 224082517 | XX | XX |  |  | XX | XX | XX | XX | Yes |  |  |  |  |  |  |  | $3791.11 |  | 0.302640 |  |  |  |  |  | $3791.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $201.35 | $170.92 | Level 4-Stated/Verified as defined |  |  |  | No |  | No |  |  |  | US Citizen | 766 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | LLC | Business Entity | Unemployed |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  | Individual | Individual | Employed | XX | XX | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | 03/10/2025 | 747 | Fair Isaac | 766 | Beacon 5 | 766 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2025 |  | XX | 2 | 1985 | 2400 | 6 | 3.1 | C3 | XX |  | $30067.54 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224082675 | XX | XX |  |  | XX | XX | XX | XX | Yes |  |  |  |  |  |  |  | $2533.22 |  | 0.086545 |  |  |  |  |  | $2533.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $41.25 | $376.20 | $568.71 | Level 1-Not Stated/Not Verified |  |  |  | No |  |  |  | 0.94 |  |  | 794 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | LLC | Business Entity | Unemployed |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 80.00% | Full Recourse | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | Classic | 04/29/2025 | 794 | Fair Isaac (VER. 2) | 799 | FICO Classic V5 Facta | 756 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 1 | 1992 | 1740 | 3 | 2 | C4 |  |  | $95707.61 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224082680 | XX | XX |  |  | XX | XX | XX | XX | Yes |  |  |  |  |  |  |  | $9352.93 |  | 0.485497 |  |  |  |  |  | $9352.93 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $539.00 | $292.25 | Level 4-Stated/Verified as defined |  |  |  | No |  |  |  | 3.37 |  |  | 753 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | LLC | Business Entity | Unemployed |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 10 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | Classic | 04/25/2025 | 722 | Fair Isaac (VER. 2) | 755 | FICO Classic V5 Facta | 753 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2025 |  | XX | 2 | 1940 | 1490 | 5 | 2.1 | C2 |  |  | $99337.72 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224082681 | XX | XX |  |  | XX | XX | XX | XX | Yes |  |  |  |  |  |  |  | $2345.94 |  | 0.412358 |  |  |  |  |  | $2345.94 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $712.00 | $242.21 | $60.11 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 782 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Individual | Individual | Employed | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/02/2025 | 794 | Fair Isaac (VER. 2) | 782 | FICO Classic V5 Facta | 753 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 1 | 1987 | 1020 | 2 | 2 | C3 | XX |  | $11816.94 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224082700 | XX | XX |  |  | XX | XX | XX | XX | Yes |  |  |  |  |  |  |  | $7414.52 |  | 0.381257 |  |  |  |  |  | $7414.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $552.38 | $83.25 | Level 2-Stated/Not Verified |  |  |  | No | No |  |  |  | US Citizen |  | 705 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Individual | Individual | Employed | XX | XX | 13 | US Citizen |  |  | Level 2-Stated/Not Verified | 04/01/2025 | 705 | Fair Isaac (VER. 2) | 707 | FICO Classic V5 Facta | 696 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 1 | 1954 | 952 | 3 | 1 | C3 |  |  | $161095.51 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224082744 | XX | XX |  |  | XX | XX | XX | XX | Yes |  |  |  |  |  |  |  | $1821.55 |  | 0.111570 |  |  |  |  |  | $1821.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $59.00 | $162.83 | $89.42 | Level 3-Stated/Partially Verified |  |  |  | No |  |  |  | 0.39 |  |  | 784 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Individual | Individual | Employed | XX | XX | 2 |  |  |  | Level 3-Stated/Partially Verified | 06/04/2025 | 777 | Fair Isaac (VER. 2) | 784 | FICO Classic V5 Facta | 795 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2/XX/2025 |  | XX | 1 | 2019 | 1620 | 3 | 2.1 | C3 |  |  | $20914.57 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224082746 | XX | XX |  |  | XX | XX | XX | XX | Yes |  |  |  |  |  |  |  | $8238.23 |  | 0.366839 |  |  |  |  |  | $8238.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $880.21 | $88.91 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  | 0.25 | US Citizen |  | 705 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Individual | Individual | Employed | XX | XX | 13 | US Citizen |  |  | Level 4-Stated/Verified as defined | 04/01/2025 | 705 | Fair Isaac (VER. 2) | 707 | FICO Classic V5 Facta | 696 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 1 | 1956 | 1771 | 3 | 2 | C3 |  |  | $161092.70 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224310649 | XX | XX |  |  | XX | XX | XX | XX | No |  |  |  |  |  |  |  | $6631.77 |  | 0.163121 |  |  |  |  |  | $6631.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $8.33 | $1267.59 | $889.73 | Level 4-Stated/Verified as defined |  |  |  | No |  |  |  | 19.63 |  |  | 741 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | LLC | Business Entity | Unemployed |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX |  | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | Classic | 05/13/2025 | 741 | Fair Isaac (VER. 2) | 771 | FICO Classic V5 Facta | 729 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 1 | 2001 | 3788 | 4 | 2.1 | C3 |  |  | $79473.37 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224310650 | XX | XX |  |  | XX | XX | XX | XX | Yes |  |  |  |  |  |  |  | $2803.49 |  | 0.338971 |  |  |  |  |  | $2803.49 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $638.88 | $293.69 | Level 3-Stated/Partially Verified |  |  |  | No |  |  |  |  |  |  | 727 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | LLC | Business Entity | Unemployed |  | XX | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 50.00% | Full Recourse | 1 | Non-Permanent Resident Alien | Passport, VISA | XX | Level 4-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | Classic | 05/22/2025 | 727 | Fair Isaac (VER. 2) | 722 | Beacon 5 | 734 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 1 | 2006 | 3006 | 3 | 2.1 | C3 | XX |  | $22174.41 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224310656 | XX | XX |  |  | XX | XX | XX | XX | Yes |  |  |  |  |  |  |  | $1479.00 |  | 0.271855 |  |  |  |  |  | $1479.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $14.17 | $96.42 | $208.08 | Level 3-Stated/Partially Verified |  |  |  | No | No |  |  |  | US Citizen |  | 780 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Individual | Individual | Employed | XX | XX | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 05/27/2025 | 784 | Fair Isaac (VER. 2) | 779 | FICO Classic V5 Facta | 780 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 1 | 1940 | 1299 | 3 | 1 | C3 | XX |  | $6183.44 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224310663 | XX | XX |  |  | XX | XX | XX | XX | No |  |  |  |  |  |  |  | $7319.25 |  | 0.052629 |  |  |  |  |  | $7319.25 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $535.70 | $257.93 | Level 4-Stated/Verified as defined |  |  |  | No |  |  |  | 0.31 |  |  | 732 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | LLC | Business Entity | Unemployed |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | Classic | 05/12/2025 | 733 | Fair Isaac (VER. 2) | 723 | FICO Classic V5 Facta | 732 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 |  | XX | 2 | 1920 | 1828 | 6 | 2 | Good |  |  | $565168.28 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224310664 | XX | XX |  |  | XX | XX | XX | XX | No |  |  |  |  |  |  |  | $4304.11 |  | 0.246007 |  |  |  |  |  | $4304.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $485.05 | $237.00 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 747 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Individual | Individual | Employed | XX | XX | 6 | US Citizen |  |  | Level 4-Stated/Verified as defined | 06/19/2025 | 747 | Fair Isaac (VER. 2) | 745 | FICO Classic V5 Facta | 770 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2025 |  | XX | 1 | 2023 | 1223 | 3 | 2 | C2 | XX |  | $121382.25 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224310666 | XX | XX |  |  | XX | XX | XX | XX | No |  |  |  |  |  |  |  | $3070.99 |  | 0.215301 |  |  |  |  |  | $3070.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $224.90 | $455.25 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  | 3.42 | US Citizen |  | 684 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | Individual | Individual | Employed | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 06/07/2025 | 690 | Fair Isaac (VER. 2) | 684 | FICO Classic V5 Facta | 679 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 |  | XX | 1 | 1961 | 1080 | 3 | 2 | C3 |  |  | $48552.75 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224310667 | XX | XX |  |  | XX | XX | XX | XX | No |  |  |  |  |  |  |  | $2641.29 |  | 0.024239 |  |  |  |  |  | $2641.29 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $619.00 | $178.88 | Level 1-Not Stated/Not Verified |  |  |  | No |  |  |  | 19.92 |  |  | 778 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | LLC | Business Entity | Unemployed |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX |  | Full Recourse | 4 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | Classic | 06/30/2025 | 784 | Fair Isaac (VER. 2) | 778 | FICO Classic V5 Facta | 750 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2025 |  | XX | 1 | 1977 | 1818 | 3 | 2 | C4 |  |  | $710751.90 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224310668 | XX | XX |  |  | XX | XX | XX | XX | Yes |  |  |  |  |  |  |  | $11066.88 |  | 0.186584 |  |  |  |  |  | $11066.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $1141.29 | $2356.98 | Level 4-Stated/Verified as defined |  |  |  | No |  |  |  | 2.24 |  |  | 734 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | LLC | Business Entity | Unemployed |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | Classic | 05/07/2025 | 734 | Fair Isaac (VER. 2) | 765 | FICO Classic V5 Facta | 726 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 |  | XX | 1 | 1958 | 1585 | 3 | 2 | C3 |  |  | $297220.07 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224310670 | XX | XX |  |  | XX | XX | XX | XX | Yes |  |  |  |  |  |  |  | $2578.29 |  | 0.020236 |  |  |  |  |  | $2578.29 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $598.06 | $87.80 | Level 1-Not Stated/Not Verified |  |  |  | No |  |  |  | 5.39 |  |  | 778 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX | LLC | Business Entity | Unemployed |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX |  | Full Recourse | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | Classic | 04/02/2025 | 802 | Fair Isaac (VER. 2) | 778 | FICO Classic V5 Facta | 756 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2025 |  | XX | 1 | 1974 | 2064 | 3 | 2 | C4 |  |  | $710781.07 |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224310673 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $3000.00 | 1004/70 | $3000.00 | Third Party Rental Source | $2095.80 |  | 0.000000 | 0.7 |  |  | 1.43 | 1.43 | $2095.80 |  |  | No |  |  |  | Long Term |  | $3000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $204.46 | $133.27 | Level 3-Stated/Partially Verified | No | 1 | 5 | No |  |  | Experienced Investor | 0.48 |  |  | 779 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Corp | Business Entity |  |  | XX | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 25.00% | Full Recourse | 3 | US Citizen |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 03/20/2025 | 779 | Fair Isaac (VER. 2) | 768 | FICO Classic V5 Facta | 790 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2025 |  | XX | 1 | 2002 | 1291 | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 71.365% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224310674 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $4200.00 | $2550.00 | 1004/70 | $4200.00 | Rent on Existing Lease | $3619.21 |  | 0.000000 | 0.86 |  |  | 1.16 | 1.16 | $3619.21 |  |  | Yes | 05/01/2025 | 10/31/2025 | 6 | Long Term | $4200.00 | $2550.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $195.44 | $305.28 | Level 3-Stated/Partially Verified | No | 1 | 2 | No |  |  | Experienced Investor | 0.43 |  |  | 725 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/10/2025 | 739 | Fair Isaac (VER. 2) | 725 | FICO Classic V5 Facta | 700 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2025 |  | XX | 1 | 1910 | 2453 | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 80.000% | XX |  |  | 120.000% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224310675 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $1700.00 | $1565.00 | 1004/70 | $1700.00 | Rent on Existing Lease | $1606.55 |  | 0.000000 | 0.95 |  |  | 1.06 | 1.06 | $1606.55 |  |  | Yes | 12/01/2024 | 11/30/2025 | 12 | Long Term | $1700.00 | $1565.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $4000.00 | No |  | $308.45 | $82.51 | Level 1-Not Stated/Not Verified | No | 1 | 7 | No |  |  | Experienced Investor | 3.04 |  |  | 758 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 50.00% | Full Recourse | 8 | Permanent Resident Alien |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/18/2025 | 758 | Fair Isaac (VER. 2) | 742 | FICO Classic V5 Facta | 792 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2025 |  | XX | 1 | 2007 | 1218 | 2 | 1.1 | C4 |  | $0.00 |  |  |  |  |  |  |  | 80.000% | XX |  |  | 8.381% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224310677 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $2794.00 | $2700.00 | 1004/70 | $2700.00 | Third Party Rental Source | $1818.78 |  | 0.000000 | 0.67 |  |  | 1.48 | 1.48 | $1818.78 |  |  | Yes | 01/17/2025 | 12/31/2026 | 23 | Long Term | $2794.00 | $2700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $140.21 | $142.58 | Level 3-Stated/Partially Verified | No | 1 | 1 | No |  |  | Experienced Investor | 0.78 |  |  | 760 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/13/2025 | 750 | Fair Isaac (VER. 2) | 764 | FICO Classic V5 Facta | 760 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 1 | 1925 | 984 | 3 | 1.1 | C2 |  | $0.00 |  |  |  |  |  |  |  | 80.000% | XX |  |  | 112.842% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224310678 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $1500.00 | $1450.00 | 1004/70 | $1450.00 | Third Party Rental Source | $1098.51 |  | 0.000000 | 0.76 |  |  | 1.32 | 1.32 | $1098.51 |  |  | Yes | 06/30/2025 | 06/30/2026 | 12 | Long Term | $1500.00 | $1450.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $19000.00 | No |  | $27.25 | $69.02 | Level 4-Stated/Verified as defined | No | 1 | 8 | No |  |  | Experienced Investor | 0.04 |  |  | 732 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 3 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/02/2025 | 732 | Fair Isaac (VER. 2) | 736 | FICO Classic V5 Facta | 657 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 1 | 1946 | 1134 | 3 | 1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 80.000% | XX |  |  | 121.026% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224310679 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $2150.00 | $2100.00 | 1004/70 | $2100.00 | Third Party Rental Source | $1528.65 |  | 0.000000 | 0.73 |  |  | 1.37 | 1.37 | $1528.65 |  |  | Yes | 05/01/2025 | 04/30/2026 | 12 | Long Term | $2150.00 | $2100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $26000.00 | No |  | $91.04 | $124.20 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 0.28 |  |  | 716 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 90.00% | Full Recourse | 2 | Permanent Resident Alien |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/07/2025 | 716 | Fair Isaac (VER. 2) | 708 | FICO Classic V5 Facta | 753 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 1 | 1966 | 1564 | 3 | 3 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 193.041% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224310680 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $4625.00 | 1025/72 | $4625.00 | Third Party Rental Source | $3382.24 |  | 0.000000 | 0.73 |  |  | 1.37 | 1.37 | $3382.24 |  |  | No |  |  |  | Long Term |  | $1800.00 | No |  |  |  | Long Term |  | $1800.00 | No |  |  |  | Long Term |  | $1025.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $572.41 | $109.83 | Level 4-Stated/Verified as defined | No | 1 | 6 | No |  |  | Experienced Investor | 0.44 |  |  | 703 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 3 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 03/06/2025 | 703 | Fair Isaac (VER. 2) | 695 | FICO Classic V5 Facta | 723 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 3 | 1870 | 2945 | 5 | 3 | C3 |  | $0.00 |  |  |  |  |  |  |  | 80.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224310681 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $2950.00 | $2225.00 | 1004/70 | $2950.00 | Rent on Existing Lease | $2420.90 |  | 0.000000 | 0.82 |  |  | 1.22 | 1.22 | $2420.90 |  |  | Yes | 04/01/2025 | 04/01/2026 | 12 | Long Term | $2950.00 | $2225.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Yes | $29.17 | $52.32 | $138.33 | Level 4-Stated/Verified as defined | No | 1 | 4 | No |  |  | Experienced Investor | 1.06 |  |  | 743 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 4 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 04/10/2025 | 725 | Fair Isaac (VER. 2) | 766 | FICO Classic V5 Facta | 743 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2025 |  | XX | 1 | 2024 | 1522 | 3 | 2 | C1 |  | $0.00 |  |  |  |  |  |  |  | 80.000% | XX |  |  | 571.429% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224310682 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $4000.00 | 1073/465 | $4000.00 | Third Party Rental Source | $3316.15 |  | 0.000000 | 0.83 |  |  | 1.21 | 1.21 | $3316.15 |  |  | No |  |  |  | Long Term |  | $4000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Yes | $865.00 | $446.25 | $152.17 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | First-Time Investor |  |  |  | 740 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Corp | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | Non-Permanent Resident Alien |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 06/17/2025 | 749 | Fair Isaac (VER. 2) | 740 | FICO Classic V5 Facta |  |  | 2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 | 5/XX/2025 | XX | 1 | 1984 | 1779 | 3 | 2.1 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 43.651% | XX |  |  | 48.673% |  |  | 48.673% |  |  |  |  |  |  |  |  |
| XX | 224310691 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $3000.00 | 1004/70 | $3000.00 | Third Party Rental Source | $3809.30 |  | 0.000000 | 1.27 |  |  | 0.79 | 0.79 | $3809.30 |  |  | No |  |  |  | Long Term |  | $3000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $23000.00 | Yes | $217.00 | $254.95 | $155.92 | Level 4-Stated/Verified as defined | No | 1 | 4 | No |  |  | Experienced Investor | 3.18 |  |  | 719 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 4 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 03/17/2025 | 739 | Fair Isaac (VER. 2) | 698 | FICO Classic V5 Facta | 719 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2025 |  | XX | 1 | 2001 | 1878 | 2 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 69.839% | XX |  |  | 95.789% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224310699 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $5000.00 | $5000.00 | 1004/70 | $5000.00 | Rent on Existing Lease | $3528.58 |  | 0.000000 | 0.71 |  |  | 1.42 | 1.42 | $3528.58 |  |  | Yes | 05/01/2025 | 05/01/2026 | 12 | Long Term | $5000.00 | $5000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $76300.00 | No |  | $826.87 | $207.08 | Level 3-Stated/Partially Verified | No | 1 | 1 | No | No |  | Experienced Investor | 4.96 | US Citizen |  | 743 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 04/14/2025 | 783 | Fair Isaac (VER. 2) | 723 | FICO Classic V5 Facta | 743 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 |  | XX | 1 | 2019 | 3082 | 4 | 4.1 | C2 |  | $0.00 |  |  |  |  |  |  |  | 34.091% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224310700 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $3000.00 | 1004/70 | $3000.00 | Third Party Rental Source | $2879.03 |  | 0.000000 | 0.96 |  |  | 1.04 | 1.04 | $2879.03 |  |  | No |  |  |  | Long Term |  | $3000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $41361.00 | No |  | $376.48 | $179.65 | Level 3-Stated/Partially Verified | No | 1 | 1 | No | No |  | First-Time Investor |  | US Citizen |  | 724 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 06/12/2025 | 724 | Fair Isaac (VER. 2) | 739 | FICO Classic V5 Facta | 702 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 | 6/XX/2025 | XX | 1 | 1974 | 1568 | 3 | 2 | C2 | XX | $0.00 |  |  |  |  |  |  |  | 78.578% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| XX | 224310701 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $3100.00 | 1004/70 | $4466.67 | Multiple Sources | $3550.20 |  | 0.000000 | 0.79 |  |  | 1.26 | 1.26 | $3550.20 |  |  | No |  |  |  | Long Term |  | $3100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $54000.00 | Yes | $75.00 | $465.05 | $99.67 | Level 1-Not Stated/Not Verified | No | 1 | 5 | No |  |  | Experienced Investor |  |  |  | 790 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  | Trust | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 7 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 3-Stated/Partially Verified | Classic | 06/04/2025 | 790 | Fair Isaac (VER. 2) | 794 | FICO Classic V5 Facta | 783 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 | 6/XX/2025 | XX | 1 | 2015 | 2395 | 4 | 2.1 | C3 | XX | $0.00 | $1366.67 |  |  |  |  |  |  | 73.026% | XX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| XX | 224310702 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $1750.00 | $1850.00 | 1004/70 | $1850.00 | Third Party Rental Source | $1779.45 |  | 0.000000 | 0.96 |  |  | 1.04 | 1.04 | $1779.45 |  |  | Yes | 01/01/2025 | 01/01/2026 | 12 | Long Term | $1750.00 | $1850.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $21200.00 | No |  | $317.18 | $119.00 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  |  | Experienced Investor | 4.54 |  |  | 754 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/05/2025 | 733 | Fair Isaac (VER. 2) | 754 | FICO Classic V5 Facta | 758 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 |  | XX | 1 | 1950 | 1421 | 4 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224310703 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $6650.00 | 1025/72 | $6650.00 | Third Party Rental Source | $4569.81 |  | 0.000000 | 0.69 |  |  | 1.46 | 1.46 | $4569.81 |  |  | No |  |  |  | Long Term |  | $2200.00 | No |  |  |  | Long Term |  | $2800.00 | No |  |  |  | Long Term |  | $1650.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $136400.00 | No |  | $716.05 | $226.92 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor | 2.62 | Permanent Resident Alien |  | 722 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | 05/27/2025 | 728 | Fair Isaac (VER. 2) | 722 | FICO Classic V5 Facta | 677 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 3 | 1883 | 2543 | 6 | 3 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 93.750% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224310705 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $2450.00 | 1004/70 | $2450.00 | Third Party Rental Source | $1602.14 |  | 0.000000 | 0.65 |  |  | 1.53 | 1.53 | $1602.14 |  |  | No |  |  |  | Long Term |  | $2450.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $22200.00 | No |  | $212.70 | $94.42 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  |  | Experienced Investor | 0.35 |  |  | 732 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 3 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/30/2025 | 738 | Fair Isaac (VER. 2) | 694 | FICO Classic V5 Facta | 732 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 1 | 1950 | 960 | 2 | 1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 66.489% | XX |  |  | 145.705% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224310706 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $2600.00 | 1004/70 | $2600.00 | Third Party Rental Source | $2488.53 |  | 0.000000 | 0.96 |  |  | 1.04 | 1.04 | $2488.53 |  |  | No |  |  |  | Long Term |  | $2600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $38400.00 | No |  | $181.03 | $95.58 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 13.61 | US Citizen |  | 689 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | Yes | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 06/20/2025 | 658 | Fair Isaac (VER. 2) | 724 | FICO Classic V5 Facta | 689 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 |  | XX | 1 | 1941 | 960 | 3 | 1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 63.660% | XX |  |  | 411.667% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224310707 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $2800.00 | 1025/72 | $2800.00 | Third Party Rental Source | $2606.20 |  | 0.000000 | 0.93 |  |  | 1.07 | 1.07 | $2606.20 |  |  | No |  |  |  | Long Term |  | $1250.00 | No |  |  |  | Long Term |  | $1550.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $342.44 | $128.74 | Level 4-Stated/Verified as defined | No | 1 | 4 | No |  |  | Experienced Investor | 10.56 |  |  | 782 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Trust | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 5 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/21/2025 | 782 | FICO II | 778 | Beacon 5 | 811 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 2 | 1921 | 1682 | 4 | 2 | C4 |  | $0.00 |  |  |  |  |  |  |  | 44.643% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224310708 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $4950.00 | 1004/70 | $4950.00 | Third Party Rental Source | $4263.67 |  | 0.000000 | 0.86 |  |  | 1.16 | 1.16 | $4263.67 |  |  | No |  |  |  | Long Term |  | $4950.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $149600.00 | No |  | $835.57 | $149.25 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 800 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 06/19/2025 | 783 | Fair Isaac (VER. 2) | 810 | Beacon 5 | 800 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 | 6/XX/2025 | XX | 1 | 1952 | 1816 | 3 | 2 | C4 | XX | $0.00 |  |  |  |  |  |  |  | 84.227% | XX |  |  | 85.000% |  |  | 85.000% |  |  |  |  |  |  |  |  |
| XX | 224310710 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $3350.00 | 1004/70 | $3350.00 | Third Party Rental Source | $2895.26 |  | 0.000000 | 0.86 |  |  | 1.16 | 1.16 | $2895.26 |  |  | No |  |  |  | Long Term |  | $3350.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $40000.00 | Yes | $260.00 | $382.67 | $148.86 | Level 3-Stated/Partially Verified | No | 1 | 1 | No | No |  | First-Time Investor |  | US Citizen |  | 734 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 06/25/2025 | 746 | FICO II | 731 | Beacon 5 | 734 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 | 5/XX/2025 | XX | 1 | 2025 | 1765 | 3 | 2 | C1 | XX | $0.00 |  |  |  |  |  |  |  | 64.483% | XX |  |  | 65.000% |  |  | 65.000% |  |  |  |  |  |  |  |  |
| XX | 224310711 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $3800.00 | 1004/70 | $3800.00 | Third Party Rental Source | $3599.09 |  | 0.000000 | 0.95 |  |  | 1.06 | 1.06 | $3599.09 |  |  | No |  |  |  | Long Term |  | $3800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $540.38 | $192.42 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | First-Time Investor |  | US Citizen |  | 793 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 06/05/2025 | 806 | Fair Isaac (VER. 2) | 790 | FICO Classic V5 Facta | 793 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7/XX/2025 | 6/XX/2025 | XX | 1 | 1937 | 1498 | 3 | 2 | C4 | XX | $0.00 |  |  |  |  |  |  |  | 73.636% | XX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| XX | 224310713 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $12600.00 | 1025/72 | $12600.00 | Third Party Rental Source | $9847.28 |  | 0.000000 | 0.78 |  |  | 1.28 | 1.28 | $9847.28 |  |  | No |  |  |  | Long Term |  | $4200.00 | No |  |  |  | Long Term |  | $4200.00 | No |  |  |  | Long Term |  | $4200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $973.82 | $225.40 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No |  | Experienced Investor | 29.78 | US Citizen |  | 796 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 06/10/2025 | 755 | Fair Isaac (VER. 2) | 798 | FICO Classic V5 Facta | 796 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 |  | XX | 3 | 1995 | 2700 | 6 | 3 | Average |  | $0.00 |  |  |  |  |  |  |  | 54.737% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224310714 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $2650.00 | $2500.00 | 1004/70 | $2650.00 | Rent on Existing Lease | $2591.88 |  | 0.000000 | 0.98 |  |  | 1.02 | 1.02 | $2591.88 |  |  | Yes | 05/01/2025 | 04/30/2026 | 12 | Long Term | $2650.00 | $2500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $360.01 | $230.58 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 16.32 | US Citizen |  | 715 |  |  |  |  | 1 | 0 | 0 | 1 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/28/2025 | 715 | Fair Isaac (VER. 2) | 694 | FICO Classic V5 Facta | 720 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 |  | XX | 1 | 1939 | 1330 | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 65.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224310716 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $2000.00 | $1900.00 | 1004/70 | $1900.00 | Third Party Rental Source | $1891.63 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $1891.63 |  |  | Yes | 06/01/2025 | 06/01/2026 | 12 | Long Term | $2000.00 | $1900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $48800.00 | No |  | $47.56 | $119.88 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  |  | Experienced Investor | 0.47 |  |  | 675 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/13/2025 | 675 | Fair Isaac (VER. 2) | 666 | FICO Classic V5 Facta | 685 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 |  | XX | 1 | 1955 | 1153 | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | XX |  |  | 159.501% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224310717 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $2800.00 | 1004/70 | $2800.00 | Third Party Rental Source | $2646.30 |  | 0.000000 | 0.95 |  |  | 1.06 | 1.06 | $2646.30 |  |  | No |  |  |  | Long Term |  | $2800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $401.90 | $86.04 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | First-Time Investor |  | US Citizen |  | 737 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 06/26/2025 | 737 | Fair Isaac (VER. 2) | 743 | FICO Classic V5 Facta | 715 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7/XX/2025 | 6/XX/2025 | XX | 1 | 1995 | 1166 | 3 | 2 | C4 | XX | $0.00 |  |  |  |  |  |  |  | 59.524% | XX |  |  | 60.976% |  |  | 60.976% |  |  |  |  |  |  |  |  |
| XX | 224310718 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $2100.00 | 1004/70 | $2100.00 | Third Party Rental Source | $1554.12 |  | 0.000000 | 0.74 |  |  | 1.35 | 1.35 | $1554.12 |  |  | No |  |  |  | Long Term |  | $2100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $18000.00 | No |  | $163.34 | $129.48 | Level 3-Stated/Partially Verified | No | 1 | 5 | No |  |  | Experienced Investor |  |  |  | 777 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Corp | Business Entity |  |  | XX | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX |  | Full Recourse | 3 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 06/24/2025 | 779 | Fair Isaac (VER. 2) | 776 | FICO Classic V5 Facta | 777 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 | 6/XX/2025 | XX | 1 | 1955 | 1021 | 3 | 1 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 76.800% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| XX | 224310719 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $2700.00 | 1004/70 | $2700.00 | Third Party Rental Source | $3439.66 |  | 0.000000 | 1.27 |  |  | 0.78 | 0.78 | $3439.66 |  |  | No |  |  |  | Long Term |  | $2700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $39900.00 | No |  | $546.88 | $141.42 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No |  | Experienced Investor |  | US Citizen |  | 748 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | 04/30/2025 | 767 | Fair Isaac (VER. 2) | 748 | FICO Classic V5 Facta | 747 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 | 5/XX/2025 | XX | 1 | 1962 | 1743 | 3 | 2 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 71.429% | XX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| XX | 224310720 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $2000.00 | $1850.00 | 1004/70 | $1850.00 | Third Party Rental Source | $1849.43 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $1849.43 |  |  | Yes | 07/01/2025 | 07/01/2026 | 12 | Long Term | $2000.00 | $1850.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $54.59 | $60.75 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  |  | Experienced Investor | 0.44 |  |  | 675 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/13/2025 | 675 | Fair Isaac (VER. 2) | 666 | FICO Classic V5 Facta | 685 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 |  | XX | 1 | 1961 | 1060 | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | XX |  |  | 98.000% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224310722 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $2900.00 | 1004/70 | $2900.00 | Third Party Rental Source | $1895.69 |  | 0.000000 | 0.65 |  |  | 1.53 | 1.53 | $1895.69 |  |  | No |  |  |  | Long Term |  | $2900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $135.83 | $150.71 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | First-Time Investor |  | Permanent Resident Alien |  | 769 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | 05/13/2025 | 760 | Fair Isaac (VER. 2) | 769 | FICO Classic V5 Facta | 774 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 | 6/XX/2025 | XX | 1 | 1961 | 1113 | 2 | 1 | C4 | XX | $0.00 |  |  |  |  |  |  |  | 49.787% | XX |  |  | 50.000% |  |  | 50.000% |  |  |  |  |  |  |  |  |
| XX | 224310723 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $2200.00 | 1004/70 | $3366.67 | Multiple Sources | $3112.85 |  | 0.000000 | 0.92 |  |  | 1.08 | 1.08 | $3112.85 |  |  | No |  |  |  | Long Term |  | $2200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $40000.00 | Yes | $58.33 | $520.83 | $42.26 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 778 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual | Retired | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 06/21/2025 | 750 | Fair Isaac (VER. 2) | 778 | Beacon 5 | 798 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 | 6/XX/2025 | XX | 1 | 1993 | 1261 | 2 | 2 | C3 | XX | $0.00 | $1166.67 |  |  |  |  |  |  | 80.000% | XX |  |  | 70.400% |  |  | 70.400% |  |  |  |  |  |  |  |  |
| XX | 224310724 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $2560.00 | $3200.00 | 1073/465 | $2560.00 | Rent on Existing Lease | $2481.34 |  | 0.000000 | 0.97 |  |  | 1.03 | 1.03 | $2481.34 |  |  | Yes | 09/11/2024 | 09/10/2025 | 12 | Long Term | $2560.00 | $3200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $6000.00 | Yes | $716.00 | $381.61 | $46.00 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  |  | Experienced Investor |  |  |  | 748 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 99.00% | Full Recourse | 1 | Foreign National |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 06/11/2025 | 768 | Fair Isaac (VER. 2) | 739 | FICO Classic V5 Facta | 748 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 | 6/XX/2025 | XX | 1 | 1997 | 1237 | 2 | 2 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 70.000% | XX |  |  | 70.000% |  |  | 70.000% |  |  |  |  | Yes |  |  |  |
| XX | 224310725 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $1900.00 | $1750.00 | 1004/70 | $1750.00 | Third Party Rental Source | $1454.70 |  | 0.000000 | 0.83 |  |  | 1.20 | 1.2 | $1454.70 |  |  | Yes | 05/01/2024 | 04/30/2026 | 24 | Long Term | $1900.00 | $1750.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $23000.00 | No |  | $470.98 | $140.83 | Level 4-Stated/Verified as defined | No | 1 | 7 | No |  |  | Experienced Investor | 14.77 |  |  | 795 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 50.00% | Full Recourse | 6 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 06/26/2025 | 776 | Fair Isaac (VER. 2) | 795 | FICO Classic V5 Facta | 801 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 |  | XX | 1 | 1952 | 1371 | 3 | 1 | C4 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224310726 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $1700.00 | $1800.00 | 1004/70 | $1800.00 | Third Party Rental Source | $1334.11 |  | 0.000000 | 0.74 |  |  | 1.35 | 1.35 | $1334.11 |  |  | Yes | 06/01/2025 | 06/01/2026 | 12 | Long Term | $1700.00 | $1800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $24700.00 | No |  | $269.73 | $139.92 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 0.11 |  |  | 729 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 3 | Non-Permanent Resident Alien |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 06/25/2025 | 729 | FICO II | 718 | Beacon 5 | 774 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 |  | XX | 1 | 1955 | 864 | 3 | 1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 115.909% | XX |  |  |  |  |  |  |  |  |  |  |
| XX | 224310727 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Short Term |  | $27400.00 | 1004/70 | $21920.00 | Multiple Sources | $11432.22 |  | 0.000000 | 0.52 |  |  | 1.92 | 1.92 | $11432.22 |  |  | No |  |  |  | Short Term |  | $27400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $79800.00 | No |  | $2789.43 | $330.29 | Level 4-Stated/Verified as defined | No | 1 | 7 | No |  |  | Experienced Investor | 0.06 |  |  | 730 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 85.00% | Full Recourse | 4 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 05/21/2025 | 769 | Fair Isaac (VER. 2) | 724 | FICO Classic V5 Facta | 730 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 |  | XX | 1 | 1989 | 7683 | 5 | 4.1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224310728 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $3200.00 | 1004/70 | $3200.00 | Third Party Rental Source | $3003.80 |  | 0.000000 | 0.94 |  |  | 1.07 | 1.07 | $3003.80 |  |  | No |  |  |  | Long Term |  | $3200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $27900.00 | No |  | $351.85 | $392.17 | Level 4-Stated/Verified as defined | No | 1 | 9 | No |  | No | Experienced Investor | 34.88 |  | US Citizen | 669 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Trust | Business Entity |  |  | XX |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/29/2025 | 649 | Fair Isaac (VER. 2) | 698 | FICO Classic V5 Facta | 669 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 1 | 1985 | 1790 | 4 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224310730 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $5200.00 | 1025/72 | $5200.00 | Third Party Rental Source | $2340.65 |  | 0.000000 | 0.45 |  |  | 2.22 | 2.22 | $2340.65 |  |  | No |  |  |  | Long Term |  | $2500.00 | No |  |  |  | Long Term |  | $2700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $630.27 | $380.75 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  | No | First-Time Investor |  |  | US Citizen | 809 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  | Individual | Individual |  | XX | XX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 06/20/2025 | 809 | FICO II | 816 | Beacon 5 | 779 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 06/20/2025 | 790 | FICO II | 798 | Beacon 5 | 783 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 | 6/XX/2025 | XX | 2 | 1960 | 1800 | 5 | 2 | Average | XX | $0.00 |  |  |  |  |  |  |  | 25.309% | XX |  |  | 25.309% |  |  | 25.309% |  |  |  |  |  |  |  |  |
| XX | 224310731 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $2285.00 | 1004/70 | $3370.00 | Multiple Sources | $2560.32 |  | 0.000000 | 0.76 |  |  | 1.32 | 1.32 | $2560.32 |  |  | No |  |  |  | Long Term |  | $2285.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $224.59 | $159.42 | Level 4-Stated/Verified as defined | No | 1 | 4 | No | No |  | Experienced Investor |  | US Citizen |  | 665 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | 07/01/2025 | 675 | Fair Isaac (VER. 2) | 657 | FICO Classic V5 Facta | 665 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7/XX/2025 | 7/XX/2025 | XX | 1 | 1955 | 1048 | 2 | 1 | C3 | XX | $0.00 | $1085.00 |  |  |  |  |  |  | 74.640% | XX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| XX | 224310732 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $4000.00 | 1004/70 | $4000.00 | Third Party Rental Source | $4458.83 |  | 0.000000 | 1.11 |  |  | 0.90 | 0.9 | $4458.83 |  |  | No |  |  |  | Long Term |  | $4000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Yes | $305.00 | $1131.50 | $116.92 | Level 3-Stated/Partially Verified | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 759 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 07/01/2025 | 804 | Fair Isaac (VER. 2) | 759 | FICO Classic V5 Facta | 758 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7/XX/2025 | 7/XX/2025 | XX | 1 | 2005 | 2449 | 3 | 3.1 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| XX | 224310733 | XX | XX |  |  | XX | XX | XX | XX | Yes | Yes | Long Term | $1600.00 | $2000.00 | 1073/465 | $2000.00 | Third Party Rental Source | $1859.55 |  | 0.000000 | 0.93 |  |  | 1.08 | 1.08 | $1859.55 |  |  | Yes | 01/01/2025 | 12/31/2025 | 12 | Long Term | $1600.00 | $2000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $5000.00 | Yes | $410.00 | $263.03 | $54.67 | Level 4-Stated/Verified as defined | No | 1 | 4 | No | No | No | Experienced Investor | 5.17 | US Citizen | US Citizen | 737 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | 04/07/2025 | 754 | Fair Isaac (VER. 2) | 695 | FICO Classic V5 Facta | 723 | FICO Risk Score Classic 04 | Individual | Individual |  | XX | XX | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | 04/07/2025 | 737 | Fair Isaac (VER. 2) | 699 | FICO Classic V5 Facta | 746 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2025 |  | XX | 1 | 1969 | 715 | 1 | 1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 61.091% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224310734 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $3100.00 | 1004/70 | $3100.00 | Third Party Rental Source | $4129.50 |  | 0.000000 | 1.33 |  |  | 0.75 | 0.75 | $4129.50 |  |  | No |  |  |  | Long Term |  | $3100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $1000.00 | $309.63 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor |  |  |  | 764 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 55.00% | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 06/29/2025 | 759 | Fair Isaac (VER. 2) | 779 | FICO Classic V5 Facta | 764 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 | 4/XX/2025 | XX | 1 | 1985 | 3314 | 4 | 3 | C3 | XX | $0.00 |  |  |  |  |  |  |  | 74.200% | XX |  |  | 74.949% |  |  | 74.949% |  |  |  |  |  |  |  |  |
| XX | 224310735 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $1750.00 | 1004/70 | $1750.00 | Third Party Rental Source | $1484.09 |  | 0.000000 | 0.85 |  |  | 1.18 | 1.18 | $1484.09 |  |  | No |  |  |  | Long Term |  | $1750.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $18900.00 | No |  | $218.64 | $83.58 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  |  | Experienced Investor | 0.50 |  |  | 783 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 33.33% | Full Recourse | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 06/26/2025 | 779 | FICO II | 802 | Beacon 5 | 783 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 |  | XX | 1 | 1973 | 1084 | 3 | 1 | C4 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XX | 224310739 | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $1835.00 | 1004/70 | $1835.00 | Third Party Rental Source | $1174.73 |  | 0.000000 | 0.64 |  |  | 1.56 | 1.56 | $1174.73 |  |  | No |  |  |  | Long Term |  | $1835.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $67.90 | $74.33 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 0.13 |  |  | 722 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | LLC | Business Entity |  |  | XX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX | XX | 80.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 06/17/2025 | 703 | FICO II | 724 | Beacon 5 | 722 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2025 |  | XX | 1 | 1924 | 1314 | 4 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XX |  |  | 230.357% | XX |  |  |  |  |  |  |  |  |  |  |

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## Exhibit 99.1

**Exhibit 99.1 Schedule 5**

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| |
|:---|
| ![](ex99-1sch5_001.jpg) |
| **Data Compare (Non-Ignored)** |
| **Run Date - 10/28/2025 3:51:45 PM** |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| XX | 223953440 | XX | XX |  |  | Representative FICO | 707 | 774 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
| XX | 223953440 | XX | XX |  |  | Investor: Qualifying Total Debt Ratio | 45.363 | 49.67045 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XX | 223953440 | XX | XX |  |  | MERS Min Number | XX | XX | Verified | Field value reflects source document |
| XX | 224065193 | XX | XX |  |  | Street | XX | XX | Verified | Field Value reflects Street per Note |
| XX | 224065193 | XX | XX |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| XX | 224065193 | XX | XX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| XX | 224065196 | XX | XX |  |  | Original Interest Rate | 0.04375 | 4.375 | Verified | Field Value reflects the Note value |
| XX | 224065196 | XX | XX |  |  | Doc Type | Full | Retirement Income - Fully Verified | Verified | Field Value reflects documentation located in origination file |
| XX | 224065196 | XX | XX |  |  | Investor: Qualifying Total Debt Ratio | 0.49617 | 48.28373 | Verified | Field value matches AUS |
| XX | 224065197 | XX | XX |  |  | Original Interest Rate | 0.03625 | 3.625 | Verified | Field Value reflects the Note value |
| XX | 224065197 | XX | XX |  |  | Representative FICO | 752 | 754 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XX | 224065197 | XX | XX |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| XX | 224065197 | XX | XX |  |  | Investor: Qualifying Total Debt Ratio | 0.20976 | 24.72351 | Verified | Filed value matches 1008 |
| XX | 224065198 | XX | XX |  |  | Investor: Qualifying Total Debt Ratio | 48.073 | 44.32621 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XX | 224065209 | XX | XX |  |  | Investor: Qualifying Total Debt Ratio | 20.142 | 25.1575 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XX | 224065210 | XX | XX |  |  | Street | XX | XX | Verified | Field Value reflects Street per Note |
| XX | 224065212 | XX | XX |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XX | 224065215 | XX | XX |  |  | Investor: Qualifying Total Debt Ratio | 47.062 | 34.29695 | Verified | Borrower sold his primary property, xx. P&I of $2278 was not included for DTI calculation. |
| XX | 224065231 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224065237 | XX | XX |  |  | Borrower First Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224065237 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224065237 | XX | XX |  |  | Coborrower First Name | XX | XX | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| XX | 224065237 | XX | XX |  |  | Coborrower Last Name | XX | XX | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| XX | 224065237 | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XX | 224065241 | XX | XX |  |  | Borrower First Name | XX | XX | Verified | Unable to verify due to missing information |
| XX | 224065241 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224065241 | XX | XX |  |  | Borrower SSN | XX | XX | Verified | Unable to verify due to missing information |
| XX | 224065241 | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| XX | 224065241 | XX | XX |  |  | First Payment Date | XX | XX | Verified | Field Value reflects First Payment Date per the Note |
| XX | 224065241 | XX | XX |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XX | 224065241 | XX | XX |  |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| XX | 224065241 | XX | XX |  |  | Original P&I |  | 2113.47 | Verified | Field Value reflects Note value |
| XX | 224065241 | XX | XX |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| XX | 224065241 | XX | XX |  |  | Appraisal Effective Date | XX | XX | Verified | Tape Value reflects Appraisal Date |
| XX | 224065241 | XX | XX |  |  | Product Description | Investor Connect | Fixed Rate | Verified | Field value reflects source document |
| XX | 224065241 | XX | XX |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| XX | 224065241 | XX | XX |  |  | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| XX | 224065241 | XX | XX |  |  | Cash From Borrower |  | 233569.13 | Verified | Field value reflects source document |
| XX | 224065241 | XX | XX |  |  | Original HLTV |  | 60 | Verified | Field value reflects source document |
| XX | 224065241 | XX | XX |  |  | PITIA Reserves Months | 6.00 | 16.75 | Verified | Field value reflects source document |
| XX | 224065241 | XX | XX |  |  | Borrower Citizenship | US Citizen |  | Verified | Unable to verify due to missing information |
| XX | 224065241 | XX | XX |  |  | Last Property Transfer Date | XX | XX | Verified | Field value reflects source document |
| XX | 224065241 | XX | XX |  |  | Loan to Cost (LTC) |  | 60 | Verified | Field value reflects source document |
| XX | 224065241 | XX | XX |  |  | Appraisal As-Is Value | XX | XX | Verified | Unable to verify due to missing information |
| XX | 224065241 | XX | XX |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
| XX | 224065241 | XX | XX |  |  | Borrower EIN | XX | XX | Verified | Field value reflects source document |
| XX | 224065242 | XX | XX |  |  | Borrower SSN | XX | XX | Verified | Field Value verified by application or other documentation in file |
| XX | 224065242 | XX | XX |  |  | Coborrower Last Name | XX | XX | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| XX | 224065242 | XX | XX |  |  | Coborrower SSN | XX | XX | Verified | Field Value verified by application or other documentation in file |
| XX | 224065242 | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| XX | 224065242 | XX | XX |  |  | First Payment Date | XX | XX | Verified | Field Value reflects First Payment Date per the Note |
| XX | 224065242 | XX | XX |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| XX | 224065242 | XX | XX |  |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| XX | 224065242 | XX | XX |  |  | Original P&I | 0.00 | 1797.48 | Verified | Field Value reflects Note value |
| XX | 224065242 | XX | XX |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| XX | 224065242 | XX | XX |  |  | Cash To Borrower | 249405.89 | 249906.87 | Verified | Field value reflects source document |
| XX | 224065242 | XX | XX |  |  | Appraisal Effective Date | XX | XX | Verified | Tape Value reflects Appraisal Date |
| XX | 224065242 | XX | XX |  |  | Product Description | Investor Connect | Fixed Rate | Verified | Field value reflects source document |
| XX | 224065242 | XX | XX |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| XX | 224065242 | XX | XX |  |  | Borrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XX | 224065242 | XX | XX |  |  | Coborrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XX | 224065242 | XX | XX |  |  | Original HLTV |  | 75 | Verified | Field value reflects source document |
| XX | 224065242 | XX | XX |  |  | PITIA Reserves Months | 6.00 | 123.95 | Verified | Field value reflects source document |
| XX | 224065242 | XX | XX |  |  | Loan Property Count | 2 | 1 | Verified | Field value reflects source document |
| XX | 224065242 | XX | XX |  |  | Appraisal As-Is Value | XX | XX | Verified | Field value reflects source document |
| XX | 224065242 | XX | XX |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
| XX | 224081992 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224081994 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082000 | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.39 | 1.40 | Verified | Due to rounding |
| XX | 224082002 | XX | XX |  |  | Subject Debt Service Coverage Ratio | 0.76 | 0.77 | Verified | Rounding. |
| XX | 224082007 | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.00 | 0.80 | Verified | Rent is $3,600.00, Monthly PITIA $4,515.65. DSCR=.80. difference due to rent calculated on market rent |
| XX | 224082008 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082010 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082013 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082020 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082032 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082033 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082038 | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.27 | 0.91 | Verified | Lender used the lease amount of $2,250 to qualify the loan, which is higher than the market rents; however, the file does not contain the required 2 months of rent receipt to use the lease rents. |
| XX | 224082042 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082044 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082047 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082059 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082068 | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| XX | 224082068 | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | This is a Refinance transaction. |
| XX | 224082068 | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.17 | 1.18 | Verified | Underwriter has considered the monthly Hazard insurance premium as $54 for DSCR calculation. |
| XX | 224082083 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082083 | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Refinance Transaction |
| XX | 224082083 | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.51 | 1.52 | Verified | Rounding. |
| XX | 224082084 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082090 | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.23 | 1.18 | Verified | The Field Value matches the Ratio on the Approval of 1.18. There are HOA fees that were not included in the 1.23 DSCR. |
| XX | 224082113 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082113 | XX | XX |  |  | Property Type | Single Family | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XX | 224082114 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082114 | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| XX | 224082114 | XX | XX |  |  | Property Type | Single Family | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XX | 224082114 | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.16 | 1.17 | Verified | Due to rounding. |
| XX | 224082115 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082115 | XX | XX |  |  | Property Type | Single Family | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XX | 224082116 | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| XX | 224082116 | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.39 | 1.37 | Verified | Due to rounding. |
| XX | 224082120 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082120 | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| XX | 224082120 | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Refinance |
| XX | 224082124 | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.05 | 1.06 | Verified | Rent and PITIA used match what is provided on the application. $2400.00/$2668.17=0.90 |
| XX | 224082125 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082125 | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| XX | 224082128 | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XX | 224082128 | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.74 | 1.63 | Verified | Used market rent per 1025. Bid tape field appears to have been calculated using lower PITIA. Rents used ($5050.00) match between Bid Tape and Field values. |
| XX | 224082132 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082132 | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XX | 224082133 | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| XX | 224082135 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082135 | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| XX | 224082135 | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Refinance loan. |
| XX | 224082135 | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.06 | 1.07 | Verified | Due to Rounding |
| XX | 224082139 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082139 | XX | XX |  |  | Note Date | XX | XX | Verified | Bid Tape Field Value is not provided. |
| XX | 224082139 | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | This is a Refinance transaction. |
| XX | 224082139 | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.05 | 1.06 | Verified | Updated PITIA as per the document and Rental market amount updated correctly however DSCR is not matching. |
| XX | 224082140 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082140 | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| XX | 224082141 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082144 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082144 | XX | XX |  |  | Representative FICO | 716 | 726 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XX | 224082144 | XX | XX |  |  | Subject Debt Service Coverage Ratio | 0.82 | 0.88 | Verified | Field value reflects source document |
| XX | 224082146 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082148 | XX | XX |  |  | Representative FICO | 752 | 733 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XX | 224082155 | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| XX | 224082155 | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XX | 224082155 | XX | XX |  |  | LTV Valuation Value | XX | XX | Verified | Field value reflects source document |
| XX | 224082155 | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.35 | 1.53 | Verified | Market rent=$13,000<br> PITIA: P & I $7,982.82, Taxes $278.21,<br> Hazard $249.83= $8,510.86 $13000.00/$8510.86=1.53%<br> Used lessor of $13,000/8,510.86=1.53. |
| XX | 224082156 | XX | XX |  |  | LTV Valuation Value | XX | XX | Verified | Using the lower value from the CDA per guidelines. |
| XX | 224082165 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082166 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082166 | XX | XX |  |  | Note Date | XX | XX | Verified | Bid Tape Field Value is not provided. |
| XX | 224082166 | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | its Refinance. |
| XX | 224082173 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082174 | XX | XX |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XX | 224082180 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082182 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082182 | XX | XX |  |  | LTV Valuation Value | XX | XX | Verified | Field value reflects source document |
| XX | 224082183 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082183 | XX | XX |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XX | 224082187 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082188 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082190 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082192 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082195 | XX | XX |  |  | Representative FICO | 702 | 712 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XX | 224082196 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082198 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082198 | XX | XX |  |  | Note Date | XX | XX | Verified | Bid Tape Field Value is not provided. |
| XX | 224082198 | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.01 | Verified | Due to rounding. |
| XX | 224082205 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082205 | XX | XX |  |  | Property Type | PUD | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XX | 224082209 | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.15 | 2.03 | Verified | Used income per UW Income worksheet. Added $3833.33 to the $2900.00 Market rent. |
| XX | 224082210 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082212 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082213 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082214 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082215 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082218 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082219 | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| XX | 224082219 | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.16 | 1.17 | Verified | Due to round off |
| XX | 224082220 | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| XX | 224082220 | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Refinance Transaction |
| XX | 224082220 | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.18 | 1.19 | Verified | Field value reflects source document |
| XX | 224082221 | XX | XX |  |  | Note Date | XX | XX | Verified | Bid Tape Field Value is not provided. |
| XX | 224082221 | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Refinance Transaction |
| XX | 224082224 | XX | XX |  |  | Note Date | XX | XX | Verified | Bid Tape Field Value is not provided. |
| XX | 224082224 | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.01 | Verified | Due to round off. |
| XX | 224082227 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082228 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082228 | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| XX | 224082228 | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.01 | Verified | Due to rounding. |
| XX | 224082229 | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | This is a Refinance transaction. |
| XX | 224082235 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082235 | XX | XX |  |  | Note Date | XX | XX | Verified | Bid Tape Field Value is not provided. |
| XX | 224082238 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082248 | XX | XX |  |  | Borrower First Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082248 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082248 | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| XX | 224082249 | XX | XX |  |  | Appraised Value | XX | XX | Verified | Field Value captured from Valuation model in file |
| XX | 224082285 | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Refinance transaction |
| XX | 224082296 | XX | XX |  |  | Appraised Value | XX | XX | Verified | Field Value captured from Valuation model in file |
| XX | 224082296 | XX | XX |  |  | Original LTV | 75.29 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| XX | 224082300 | XX | XX |  |  | Original LTV | 71.32 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| XX | 224082302 | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XX | 224082317 | XX | XX |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XX | 224082318 | XX | XX |  |  | Original LTV | 72.15 | 75 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| XX | 224082319 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082334 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082334 | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| XX | 224082341 | XX | XX |  |  | Zip | XX | XX | Verified | Field Value reflects Zip per Note |
| XX | 224082341 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082341 | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Updated from appraisal document. |
| XX | 224082341 | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.25 | 1.95 | Verified | DSCR used market rent $12,000 /PITIA of $6,144.92 =1.95. Field value DSCR calculation matches the lenders UW Worksheet. |
| XX | 224082349 | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| XX | 224082349 | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.13 | 1.14 | Verified | DSCR=$4,500/$3,951.40 |
| XX | 224082350 | XX | XX |  |  | Note Date | XX | XX | Verified | The Bid Tape Field Value was not provided. |
| XX | 224082350 | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Updated from appraisal document. |
| XX | 224082351 | XX | XX |  |  | Note Date | XX | XX | Verified | The Bid Tape Field Value was not provided. |
| XX | 224082351 | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XX | 224082351 | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.26 | 1.27 | Verified | Field value reflects source document |
| XX | 224082356 | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.91 | 1.54 | Verified | Lender used full market rent $4600 to calculate DSCR. Subject is a Short Term Rental and guidelines require 80% of the market rent to be used leaving final rent amount at $3680 being used to calculate DSCR. |
| XX | 224082357 | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| XX | 224082363 | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.55 | 1.51 | Verified | Tape value DSCR is based on market rent of $3,500; Field value DSCR is based on lower actual rent and calculated as followings: $3,400 / $2,248.59 = 1.512%,. |
| XX | 224082364 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082369 | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| XX | 224082372 | XX | XX |  |  | Zip | XX | XX | Verified | Field Value reflects Zip per Note |
| XX | 224082372 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082374 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082376 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082376 | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| XX | 224082376 | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Refinance Transaction |
| XX | 224082379 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082379 | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.11 | 1.12 | Verified | Field value reflects source document |
| XX | 224082380 | XX | XX |  |  | Property Type | PUD | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XX | 224082385 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082385 | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XX | 224082388 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082389 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082389 | XX | XX |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XX | 224082390 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082390 | XX | XX |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XX | 224082396 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082416 | XX | XX |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XX | 224082421 | XX | XX |  |  | LTV Valuation Value | XX | XX | Verified | Field value reflects source document |
| XX | 224082423 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082430 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082448 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082457 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082459 | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Previous purchase price |
| XX | 224082467 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082480 | XX | XX |  |  | Subject Debt Service Coverage Ratio | 0.77 | 1.64 | Verified | Asset utilization per 1008 and underwriting worksheet. |
| XX | 224082481 | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | its Refinance. |
| XX | 224082481 | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.35 | 1.18 | Verified | Lender used rental lease amount. |
| XX | 224082482 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082482 | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| XX | 224082484 | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| XX | 224082484 | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | This is a Refinance transaction. |
| XX | 224082484 | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.41 | 1.42 | Verified | Due to rounding |
| XX | 224082485 | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| XX | 224082486 | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.01 | 1.00 | Verified | Lender utilized rent of $4,800 and PITIA of $4,505 to calculate DSCR. Comparable Rent schedule indicates market rent of $4,500 and PITIA includes an HOA fee of $258 per month. DSCR Calculation: Rent of $4,500 / PITIA of $4,763 = .9447%. |
| XX | 224082489 | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| XX | 224082489 | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.33 | 1.34 | Verified | Due to Rounded Value |
| XX | 224082496 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082496 | XX | XX |  |  | Note Date | XX | XX | Verified | Bid Tape Field Value is not provided. |
| XX | 224082496 | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | This is a Refinance transaction. |
| XX | 224082498 | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Refinance |
| XX | 224082500 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082502 | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Refinance transaction. |
| XX | 224082503 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082503 | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| XX | 224082504 | XX | XX |  |  | Note Date | XX | XX | Verified | Bid Tape Field Value is not provided. |
| XX | 224082504 | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Refinance loan. |
| XX | 224082504 | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.55 | 1.56 | Verified | Due to Rounding. |
| XX | 224082505 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082505 | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| XX | 224082505 | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | This is a Refinance transaction. |
| XX | 224082505 | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.17 | 1.18 | Verified | Updated PITIA as per the document and Rental market amount updated correctly however DSCR is not matching. |
| XX | 224082517 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082524 | XX | XX |  |  | Original LTV | 50 | 56 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| XX | 224082675 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082675 | XX | XX |  |  | Appraised Value | XX | XX | Verified | Field Value captured from Valuation model in file |
| XX | 224082678 | XX | XX |  |  | Borrower First Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082678 | XX | XX |  |  | Appraised Value | XX | XX | Verified | Field Value captured from Valuation model in file |
| XX | 224082678 | XX | XX |  |  | Original LTV | 78.26 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| XX | 224082680 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082681 | XX | XX |  |  | Original LTV | 75.31 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| XX | 224082698 | XX | XX |  |  | Original LTV | 61.57 | 68.82937 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| XX | 224082699 | XX | XX |  |  | Original LTV | 69.95 | 73.57143 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| XX | 224082701 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224082750 | XX | XX |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XX | 224082750 | XX | XX |  |  | Original LTV | 67.65 | 71.875 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| XX | 224310647 | XX | XX |  |  | Representative FICO | 742 | 757 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XX | 224310647 | XX | XX |  |  | Original LTV | 72.65 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| XX | 224310649 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224310650 | XX | XX |  |  | Borrower First Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224310650 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224310650 | XX | XX |  |  | Original LTV | 79.69 | 85 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| XX | 224310655 | XX | XX |  |  | Property Type | 4 Family | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XX | 224310655 | XX | XX |  |  | # of Units | 4 | 3 | Verified | Field value reflects source document |
| XX | 224310656 | XX | XX |  |  | Original LTV | 76.36 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| XX | 224310659 | XX | XX |  |  | Original LTV | 78.26 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| XX | 224310661 | XX | XX |  |  | Borrower First Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224310661 | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XX | 224310663 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224310667 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224310668 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224310670 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224310673 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224310673 | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| XX | 224310675 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224310677 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224310679 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224310679 | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.40 | 1.37 | Verified | Lender used the higher lease amount of $2,150 to qualify the loan; however, the loan is missing verification of 2 months of rent receipt; therefore, the lower market rents are required to be used. |
| XX | 224310680 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224310680 | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| XX | 224310680 | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.36 | 1.37 | Verified | Due to rounding |
| XX | 224310682 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224310682 | XX | XX |  |  | Representative FICO | 749 | 740 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XX | 224310691 | XX | XX |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XX | 224310701 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224310702 | XX | XX |  |  | Note Date | XX | XX | Verified | Bid Tape Field Value is not provided. |
| XX | 224310702 | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Refinance transaction |
| XX | 224310702 | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.03 | 1.04 | Verified | Due to rounding as taxes are slightly less as indicated from tax certificate. |
| XX | 224310703 | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | This is a Refinance transaction. |
| XX | 224310703 | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.09 | 1.46 | Verified | DSCR used market rent $6,650/PITIA of $4,569.81=1.46<br> Unable to determine what unit is included with the provided lease showing rent of $3200.00. |
| XX | 224310705 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224310707 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224310707 | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| XX | 224310707 | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Refinance transaction |
| XX | 224310710 | XX | XX |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XX | 224310710 | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.15 | 1.16 | Verified | Due to rounding. |
| XX | 224310713 | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| XX | 224310713 | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Refinance loan |
| XX | 224310713 | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.27 | 1.28 | Verified | Due to rounding. |
| XX | 224310716 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224310716 | XX | XX |  |  | Note Date | XX | XX | Verified | Bid Tape Field Value is not provided. |
| XX | 224310716 | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XX | 224310718 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224310719 | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| XX | 224310720 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224310723 | XX | XX |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XX | 224310724 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224310725 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224310725 | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Refinance Transaction |
| XX | 224310726 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224310727 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224310728 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224310730 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XX | 224310732 | XX | XX |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XX | 224310735 | XX | XX |  |  | Borrower Last Name | XX | XX | Verified | Field Value reflects Borrower name as it appears on the Note |

---

## Exhibit 99.2

**Exhibit 99.2**

![](ex99-2_002.jpg)

![](ex99-2_001.jpg)

**EXECUTIVE SUMMARY**

**NRMLT 2025-NQM6**

**November 3, 2025**

**INFINITY INTERNATIONAL PROCESSING SERVICES, INC.**

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**TABLE OF CONTENTS**

---

| | |
|:---|:---|
| Infinity Biography | 2.0 |
| Description of the due diligence performed | 3.0 |
| Summary of findings and conclusions of review | 16.0 |
| Tape Integrity Review Results Summary | 17.0 |
| Additional Loan Population Summary | 17.0 |

---

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**INFINITY BIOGRAPHY**

Infinity IPS, Inc. is a privately held firm offering trusted financial products and services to capital markets participants. Founded in 2003, by a group of experienced mortgage due diligence executives, Infinity was started with a simple mission: To provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service. As a third-party reviewer, our independence, integrity, depth of expertise, and approach to due diligence and credit risk management provides clients the highest degree of hands-on oversight and participation when buying or selling pools, securitizing loans, or managing loans and securitizations over time.

Our rigorous, high touch approach to due diligence reviews provides all data necessary in the provision of an asset due diligence, risk retention, loss mitigation and forensic analysis services for all classes or mortgage products, consumer lending products, and more. Our mission is to provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service.

As a rating agency reviewed third-party due diligence provider, Infinity prides itself on meeting the standards of S&P, Fitch, Kroll, Moody's and DBRS Morningstar. Infinity is a privately-owned business and is headquartered in Rockville, MD with an underwriting facility in Tampa, FL.

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**DESESCRIPTION OF THE DUE DILIGENCE PERFORMED**

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

Infinity IPS, Inc. ("Infinity") performed due diligence services as described below (the "Review"). All of these mortgage loans, which were originated by multiple parties, were purchased by Rithm Capital Corp. ("Client") and were reviewed by Infinity on behalf of the Client. The mortgage loans were reviewed via files imaged and provided by the Client.

The Review population is comprised of two hundred and ninety-four (294) mortgage loans that were originally reviewed from August 2024 to August 2025.

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

The mortgage loan review was broken down into the following review scopes:

▪ "Compliance Review" 175<sup>1</sup> Mortgage Loans

▪ "Credit Review" 294 Mortgage Loans

▪ "Property Review" 294 Mortgage Loans

▪ "Data Integrity" 294 Mortgage Loans

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

Infinity is not aware of the overall sample size for the securitization as the Review only covered the portion of the loans in the securitization reviewed by Infinity.

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

For two hundred and ninety-four (294) mortgage loans, Infinity compared data fields on the data tape provided by Client to the data found in the actual file as captured by Infinity. This comparison, when data was available, included the following data fields:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Last Name | &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;Sale Price |
| &nbsp;&nbsp;First Name | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;IO Term | &nbsp;&nbsp;LTV |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Original Rate | &nbsp;&nbsp;PP Terms | &nbsp;&nbsp;CLTV |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;PP Months | &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Address | &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;Next Rate Change Date | &nbsp;&nbsp;Current P&I |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Margin | &nbsp;&nbsp;First Payment Change Date | &nbsp;&nbsp;Rate Index |
| &nbsp;&nbsp;State | &nbsp;&nbsp;1st Rate Change Date | &nbsp;&nbsp;Next Payment Change Date | &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;Prepay Months | &nbsp;&nbsp;Reset Frequency | &nbsp;&nbsp;Deferred Balance |
| &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Next Due Date | &nbsp;&nbsp;Rounding Code | &nbsp;&nbsp;Balloon Fag |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Property Units | &nbsp;&nbsp;Look back Period | &nbsp;&nbsp;Borrower SSN |
| &nbsp;&nbsp;Credit Score | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Initial Roll Cap | &nbsp;&nbsp;Co-Borrower SSN |
| &nbsp;&nbsp;DTI | &nbsp;&nbsp;Mod Flag | &nbsp;&nbsp;Periodic Rate Cap |  |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;Mod Date | &nbsp;&nbsp;Life Rate Cap |  |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Current Rate | &nbsp;&nbsp;Life Rate Floor |  |

---

<sup>1</sup> One hundred and nineteen (119) exempt loans were not subject to a compliance review and did not receive a compliance grade.

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&nbsp;&nbsp;&nbsp;&nbsp;

![](ex99-2_002.jpg)

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

Infinity conducted a credit review for two hundred and ninety-four (294) mortgage loans. At that time, Infinity reviewed the asset origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to Infinity and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

There were 22 sets of guidelines provided for the review. Each loan was reviewed to the specific guideline provided on the loan approval. Please refer the Exhibit A.

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

**Credit Report:** Infinity's review included confirming that a credit report, that met guideline requirements, was present for each borrower and that such borrower's credit profile adhered to guidelines. In order to make this determination, Infinity: (i) captured the monthly consumer debt payments for use in relevant calculations, (ii) noted and researched the Real Estate Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as appropriate, and (iv) gathered date required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

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

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

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

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

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

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

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

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

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

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**Business Purpose/DSCR Scope:** Infinity conducted a business purpose/property focused Investor review for eighty-one (81) mortgage loans with DSCR calculation. There were no mortgage loans that were classified as No Ratio loans with no DSCR calculation.

Each loan, reviewed under this scope, was reviewed for adherence to the relevant credit policy as indicated by the Client. During the course of this review, Infinity (i) reviewed the provided Note, Mortgage/DOT, and Guaranty Agreement(s) to confirm execution, adherence to the credit policy, and agreement with other Loan Approval documentation, (ii) examined appraisal reports, BPO's, and appraisal reviews to determine if the property type was consistent with underwritten property type and usage (such as evidence of either owner or tenant occupancy) and compared this information against other relevant information contained within applicable sections of the loan file to evaluate consistency, accuracy, and adherence to the credit policy, (iii) reviewed environmental reporting, Flood Certification, and Evidence of Insurance to confirm accuracy and adherence to credit policy requirements, (iv) reviewed credit reporting, VOR/VOM, Background Check(s), and any applicable Letter(s) of Explanation to confirm accuracy, adherence to credit policy requirements, and consistency with the Final Loan Approval worksheet, (v) reviewed HUD-1's, Title Search, Purchase Agreements, existing leases/rent rolls, and verification of funds with loan terms, and underwritten approved terms and amounts/LTV/LTC as well as adherence to credit policy requirements, (vi) reviewed LOI/LOE(s) for presence of un-qualified statement of business and occupancy intent, confirmation that the LOI/LOE cited address is consistent with the subject property address, and that signatory(s) are consistent with the identified borrower(s)/guarantor(s), (vii) reviewed Final Form 1003/Loan application to ensure complete execution that the subject property listed is consistent with the subject property, and that the listed residence for the Individual(s) is an address other than the subject property, (viii) confirmed, if applicable, business license(s) and P&L's are present, valid, and adhere to credit policy requirements, (ix) confirmed, if applicable, second mortgage documents are present, valid, align with approved terms amounts, and adhere to credit policy requirements, (x) reviewed final loan approval worksheets for accuracy, completion, documentation of approval for any exceptions, and evaluating such items for agreement/consistency with all other documentation contained in the review file (xi) reviewed the Certification of Business Purpose and Certification of Non-Owner Occupancy and Indemnity for presence of completed fields and verifying that the handwritten Primary Residence address differs from the subject property address and is signed/dated as required (xii) verified presence of a complete Certification of Non-Owner Occupancy and Indemnity document for each individual borrower/co-borrower/guarantor identified within the subject note/guaranty agreement, including the presence of either individual certifications or one certificate containing all required signatures, (xiii) compared the Primary Residence address(es) listed for consistency between the Final Form 1003/Loan application(s) and the Certification(s) of Non-Owner Occupancy and Indemnity, (xv) documented any non-approved credit policy exceptions and/or inconsistencies and reporting and/or marking such items for further dialogue, (xvi) gathered the components of the DSCR from source documentation provided in the loan file during the course of the review. Where applicable, Infinity sums per the guidelines the principal and interest payment as well as the tax, insurance and HOA payment to arrive at a monthly property expense. This number is used as the denominator to the monthly lease or estimated lease income as per the guidelines.

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

Infinity conducted a review of the value of the underlying collateral at the time of its initial review for two hundred and ninety-four (294) mortgage loans. For these two hundred and ninety-four (294) mortgage loans, Infinity reviewed the mortgage loans to ensure the value of the collateral securing the assets met applicable underwriting guidelines.

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

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

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

If more than one valuation was provided, Infinity confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, Infinity created an exception and worked with the client on the next steps which may include the ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Infinity's review resulted in a variance of more than 10% then the client was notified of such variance and a second independent valuation product was ordered.

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

Infinity completed a Compliance Review on one hundred and seventy-five (175) mortgage loans. Please be advised that Infinity did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Infinity are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Infinity is relying in reaching such findings.

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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![](ex99-2_002.jpg)

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm that any written estimate of terms or costs
provided prior to receipt of a LE contained the required disclosures;

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

vii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

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

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

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

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

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

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

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

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

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

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

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![](ex99-2_002.jpg)

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

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

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

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

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

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

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

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

Infinity reviews applicable mortgage loans for compliance with the ATR and QM rule requirements based upon each mortgage loan's originator designation (Safe Harbor QM, Higher-priced QM, Temporary SHQM, Temporary HPQM, Non-QM, Exempt from ATR). Infinity determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, Infinity notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally, Infinity notes if an originator mortgage loan designation was not provided.

 

*<u>Qualified Mortgage</u>*

With respect to QM (Safe Harbor and Higher-priced) designated mortgage loans, Infinity reviews the mortgage loan to determine whether, based on available information in the mortgage loan file: (i) the mortgage loan contains risky mortgage loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

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

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![](ex99-2_002.jpg)

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

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

 

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

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

 

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

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

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

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

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

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

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

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

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

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![](ex99-2_002.jpg)

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

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

Infinity confirmed that the appraiser and the appraisal made by such appraiser both satisfied the pr industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures were provided and were accurate.

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

**(XII) Document Review**

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;▪ Underwriting summary / loan approval (1008);

&nbsp;&nbsp;&nbsp;&nbsp;▪ Credit report;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Income and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Asset documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Sales contract;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Hazard and/or flood insurance policies;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Copy of note for any junior liens;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Title/Preliminary Title;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final 1003;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Changed circumstance documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Right of Rescission Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage/Deed of Trust;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage Insurance;

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&nbsp;&nbsp;&nbsp;&nbsp;▪ Tangible Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Subordination Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;▪ FACTA disclosures;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Notice of Special Flood Hazards;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial and final GFE's;

&nbsp;&nbsp;&nbsp;&nbsp;▪ HUD from sale of previous residence;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial TIL;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final TIL;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Closing Disclosures; and

&nbsp;&nbsp;&nbsp;&nbsp;▪ Certain other disclosures related to the enumerated
tests set forth herein.

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**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

The nationally recognized statistical rating organization ("NRSRO") criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs listed in Item 3 of the ABS Due Diligence 15E, Fitch Ratings, Inc. ("Fitch") and Kroll Bond Rating Agency, LLC ("KBRA").

**OVERALL RESULTS SUMMARY (294 MORTGAGE LOANS)**

Infinity's review to NRSRO grading requirements covers two hundred and ninety-four (294) mortgage loans. Within those mortgage loans, Infinity graded two hundred and sixty-eight (268) mortgage loans as "A" and twenty-six (26) mortgage loans as "B".

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** |
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;173 | &nbsp;&nbsp;270 | &nbsp;&nbsp;294 | &nbsp;&nbsp;268 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;24 | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;98.86% | &nbsp;&nbsp;91.84% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;91.16% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1.14% | &nbsp;&nbsp;8.16% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;8.84% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** |
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;173 | &nbsp;&nbsp;270 | &nbsp;&nbsp;294 | &nbsp;&nbsp;268 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;24 | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;98.86% | &nbsp;&nbsp;91.84% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;91.16% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1.14% | &nbsp;&nbsp;8.16% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;8.84% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

---

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY (294 MORTGAGE LOANS)**

Of the two hundred and ninety-four (294) mortgage loans reviewed, 31 (10.54%) mortgage loans had tape discrepancies across four (4) unique data fields.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# of Variances** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;294 | &nbsp;&nbsp;0.34% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;294 | &nbsp;&nbsp;0.34% |
| &nbsp;&nbsp;Property Postal Code | &nbsp;&nbsp;1 | &nbsp;&nbsp;294 | &nbsp;&nbsp;0.34% |
| &nbsp;&nbsp;Residual Income | &nbsp;&nbsp;29 | &nbsp;&nbsp;294 | &nbsp;&nbsp;9.86% |

---

**ADDITIONAL LOAN POPULATION SUMMARY (294 MORTGAGE LOANS)**

\* Total may not sum to total due to rounding.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original<br> Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;294 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$166044302.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**294** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$166044302.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original<br> Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;294 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$166044302.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**294** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$166044302.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original<br> Balance** |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.34% | &nbsp;&nbsp;$1080000.00 | &nbsp;&nbsp;0.65% |
| &nbsp;&nbsp;Cash Out: Other/Multi- purpose/Unknown | &nbsp;&nbsp;58 | &nbsp;&nbsp;19.73% | &nbsp;&nbsp;$24419150.00 | &nbsp;&nbsp;14.71% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;41 | &nbsp;&nbsp;13.95% | &nbsp;&nbsp;$18700596.00 | &nbsp;&nbsp;11.26% |
| &nbsp;&nbsp;Other than first time Home Purchase | &nbsp;&nbsp;158 | &nbsp;&nbsp;53.74% | &nbsp;&nbsp;$91262506.00 | &nbsp;&nbsp;54.96% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower initiated | &nbsp;&nbsp;36 | &nbsp;&nbsp;12.24% | &nbsp;&nbsp;$30582050.00 | &nbsp;&nbsp;18.42% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**294** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$166044302.00** | &nbsp;&nbsp;**100.00%** |

---

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![](ex99-2_002.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Amortization Term** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original<br> Balance** |
| &nbsp;&nbsp;240 Months | &nbsp;&nbsp;18 | &nbsp;&nbsp;6.12% | &nbsp;&nbsp;$10812454.00 | &nbsp;&nbsp;6.51% |
| &nbsp;&nbsp;360 Months | &nbsp;&nbsp;276 | &nbsp;&nbsp;93.88% | &nbsp;&nbsp;$155231848.00 | &nbsp;&nbsp;93.49% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**294** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$166044302.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original<br> Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;157 | &nbsp;&nbsp;53.40% | &nbsp;&nbsp;$110445306.00 | &nbsp;&nbsp;66.52% |
| &nbsp;&nbsp;Secondary | &nbsp;&nbsp;18 | &nbsp;&nbsp;6.12% | &nbsp;&nbsp;$11461830.00 | &nbsp;&nbsp;6.90% |
| &nbsp;&nbsp;Investor | &nbsp;&nbsp;119 | &nbsp;&nbsp;40.48% | &nbsp;&nbsp;$44137166.00 | &nbsp;&nbsp;26.58% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**294** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$166044302.00** | &nbsp;&nbsp;**100.00%** |

---

**Exhibit A**

---

| |
|:---|
| &nbsp;&nbsp;**Guidelines** |
| &nbsp;&nbsp;SmartEdge Product Summary 5-30-25.pdf |
| &nbsp;&nbsp;SmartSelf Bank Statement and 1099 Product Summary 01-23-25.pdf |
| &nbsp;&nbsp;SmartSelf Bank Statement and 1099 Product Summary 04-18-24.pdf |
| &nbsp;&nbsp;SmartVest Product Profile 5-30-25 - Correspondent only.pdf |
| &nbsp;&nbsp;SmartVest Product Summary Correspondent 4-24-25.pdf |
| &nbsp;&nbsp;Newrez SmartEdge Product Summary 4-24-25.pdf |
| &nbsp;&nbsp;Newrez SmartSelf Bank Statement and 1099 Product Summary 4-24-25.pdf |
| &nbsp;&nbsp;Newrez SmartVest Product Summary 4-24-25.pdf |
| &nbsp;&nbsp;Smart Vest Product 1-23-25.pdf |
| &nbsp;&nbsp;SmartEdge and SmartEdge ITIN Product Summary 10-22-24.pdf |
| &nbsp;&nbsp;SmartEdge Product Profile 12-20-24.pdf |
| &nbsp;&nbsp;SmartEdge Product Profile 5-30-25 - Correspondent only.pdf |
| &nbsp;&nbsp;SmartEdge Product Summary Correspondent 4-24-25.pdf |
| &nbsp;&nbsp;SmartSelf Bank Statement and 1099 Product Summary - 10-22-24.pdf |
| &nbsp;&nbsp;SmartSelf Bank Statement, 1099 and P&L Product Summary 5-30-25.pdf |
| &nbsp;&nbsp;SmartSelf Product Profile 12-20-24.pdf |
| &nbsp;&nbsp;SmartSelf Product Summary Correspondent 4-24-25.pdf |
| &nbsp;&nbsp;SmartSelf Product Summary_Correspondent 10-17-24.pdf |
| &nbsp;&nbsp;SmartVest Product Profile 12-24-25.pdf |
| &nbsp;&nbsp;SmartVest Product Summary 10-22-24.pdf |
| &nbsp;&nbsp;SmartVest Product Summary 5-30-25.pdf |
| &nbsp;&nbsp;SmartVest Product Summary Correspondent 4-24-25.pdf |

---

18 \| P a g e

## Exhibit 99.2

**Exhibit 99.2 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **AGENCY DATA** | **AGENCY DATA** | **AGENCY DATA** |
| ASF Loan Number | **Infinity Loan ID** | **Loan Number** | **Loan Number 2** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for CLTV** | **Appraisal Date** | **Appraisal Type** | **AVM Value** | **Variance $** | **Variance %** | **AVM Company** | **AVM FSD Score** | **AVM Effective Date** | **Desk Value** | **Variance $** | **Variance %** | **Desk Company** | **Desk Report Date** | **BPO As-Is Value** | **Variance $** | **Variance %** | **BPO Company** | **BPO Inspection Date** | **FR Value** | **Variance $** | **Variance %** | **FR Company** | **FR Report Date** | **2nd Appraisal Value** | **Variance $** | **Variance %** | **2nd Appraisal Company** | **2nd Appraisal Date** | **Eligible for Rep/Warrant Relief** | **LCA Risk Score** | **CU Score** |
|  | NC0PGLAZCTN |  |  |  |  |  |  |  |  | 1073 Condominiums |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
|  | 3Y4N5XVVYOQ |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 11.742% | XXXX | XX/XX/2025 | Yes | 1 | 2.5 |
|  | BSNMB5LMQ1Y |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | XXXX | -8.213% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1.8 |
|  | Q330QSURQSQ |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 04/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Not Applicable | 2.6 |
|  | YBHE3P0PUDK |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 4.6 |
|  | KKOEXPUOPJ3 |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | XXXX | 61.001% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 5 |
|  | I1MMKIHEQ2U |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 04/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 3 |
|  | XK2H12HSURG |  |  |  |  |  |  |  |  | 1025 2-4 Family Property |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 04/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
|  | LHZVSG5Z0LC |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 04/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
|  | LODYAEQAL3L |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 04/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
|  | TLETRZBYEBH |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 4.3 |
|  | XZYBB1OA330 |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 04/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
|  | PSKQCLXGXW5 |  |  |  |  |  |  |  |  | 1073 Condominiums |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1.7 |
|  | XZMXTLWPKE2 |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 11.549% | XXXX | XX/XX/2025 | No | 3.5 | 2.7 |
|  | TEVGUOE0DXM |  |  |  |  |  |  |  |  | 1073 Condominiums |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
|  | UVCZLVE5Q1O |  |  |  |  |  |  |  |  | 1025 2-4 Family Property |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 02/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
|  | 554OYWLTLC0 |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
|  | 3QP0B3QEBMH |  |  |  |  |  |  |  |  | 1073 Condominiums |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
|  | APF12UDPD3E |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | 2.5 |
|  | RW3S5PKER05 |  |  |  |  |  |  |  |  | 1073 Condominiums |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
|  | S3CKJJSBNAR |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
|  | VQXDR2D3C5Q |  |  |  |  |  |  |  |  | 1025 2-4 Family Property |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
|  | V2RFHTTUAW4 |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | XXXX | -1.832% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -1.832% | XXXX | XX/XX/2025 | No | 4.5 | 1.7 |
|  | GTHXRMJHRVL |  |  |  |  |  |  |  |  | 1025 2-4 Family Property |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 11.650% | XXXX | XX/XX/2025 | Not Applicable | Not Applicable | Not Applicable |
|  | N3K1D4DU4UN |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX | XX/XX/2025 | No | 3 | 2.5 |
|  | YDDKK51D4UH |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1.6 |
|  | C05DYUUNNDX |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 10.950% | XXXX | XX/XX/2025 | No | 4.5 | 3 |
|  | FFN02DI1OIR |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 3.301% | XXXX | XX/XX/2025 | No | 4.5 | 4.1 |
|  | 0TA5EU0GORN |  |  |  |  |  |  |  |  | 1073 Condominiums |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
|  | CQ3TNRGPALW |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.711% | XXXX | XX/XX/2025 | No | Unavailable | 3.4 |
|  | IUXWWG24553 |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 2.5 |
|  | BYQVQL4GJTU |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX | XX/XX/2025 | No | 3 | 2 |
|  | YCBK2QZAYTD |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2 |
|  | 0IU4KD231FF |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | 1 |
|  | XD0PVC0YU3M |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
|  | 1UMUBASNGZ3 |  |  |  |  |  |  |  |  | 1073 Condominiums |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
|  | SLVFWBKECF3 |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.3 |
|  | QWD2NY3QY0Z |  |  |  |  |  |  |  |  | 1004 Residential Appraisal | XXXX | $0.00 | 0.000% | XXXX | 0.731 | XX/XX/XXXX |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1.7 |
|  | AOYEN5OE0HR |  |  |  |  |  |  |  |  | 1073 Condominiums |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
|  | R43UGYID0WR |  |  |  |  |  |  |  |  | 1025 2-4 Family Property |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
|  | QUESK2YR0OT |  |  |  |  |  |  |  |  | 1073 Condominiums |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | Unavailable |
|  | PAVB1Y0RPIL |  |  |  |  |  |  |  |  | 1025 2-4 Family Property |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
|  | 1XCQM0URLZS |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | 1 |
|  | LGRZ4BZNBR3 |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | XXXX | -9.341% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 2.6 |
|  | UACFI5MHONV |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1.6 |
|  | IOAM30KSUQJ |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
|  | TCWUQOINCV0 |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | XXXX | -2.762% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 3.9 |
|  | HYFOCTM4NB1 |  |  |  |  |  |  |  |  | 1073 Condominiums |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
|  | QSIJULHV22T |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
|  | 2WMYYKZRKZL |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
|  | QGCI5AT4XQQ |  |  |  |  |  |  |  |  | 1073 Condominiums |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
|  | B040SGRAAKD |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 2.6 |
|  | 1GX2RI3KFKK |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.1 |
|  | T23FUJND32H |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX | XX/XX/2025 | No | 5 | 1.2 |
|  | LWGGMUBZSUI |  |  |  |  |  |  |  |  | 1073 Condominiums |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | 1.3 |
|  | M23IFZ4FMFM |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1.4 |
|  | MJRCBQ2GB4H |  |  |  |  |  |  |  |  | 1073 Condominiums |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
|  | QEOC2FT0VHH |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1.2 |
|  | 3IUQCTAMMA2 |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 2 |
|  | J3TBM2ZTDD1 |  |  |  |  |  |  |  |  | 1073 Condominiums |  |  |  |  |  |  |  | XXXX | 6.316% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 6.316% | XXXX | XX/XX/2025 | No | Not Applicable | Not Applicable |
|  | ZYBEH3LJEOE |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 2.6 |
|  | 4BGMMH4Z2VY |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1.1 |
|  | 05BRRHT0D2K |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 1.3 |
|  | E1LCJPK1I5Q |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 4.6 |
|  | IOHNNXMRNCF |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 3.9 |
|  | 45I5I3GGYJO |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 6.983% | XXXX | XX/XX/2025 | No | 3.5 | 1.7 |
|  | IA1OWN4G11M |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1.9 |
|  | 4XATLZ5LPVZ |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 2 |
|  | NXI2OL2ZMAP |  |  |  |  |  |  |  |  | 1073 Condominiums |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
|  | VENOZNVSQIG |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -0.250% | XXXX | XX/XX/2025 | Yes | 1.5 | 1 |
|  | CC5XMQ1D15J |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1.7 |
|  | 4CWD54XPU5A |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | XXXX | -4.591% |  | 07/XX/2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 2.7 |
|  | 3XOT3V0LTPX |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 3 |
|  | JTYPN2QACRU |  |  |  |  |  |  |  |  | 1073 Condominiums |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 3.9 |
|  | STZCYXKW0WM |  |  |  |  |  |  |  |  | 1073 Condominiums |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 4.1 |
|  | UFYLBCD3LRL |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
|  | PXFQEIRUWWR |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 2.7 |
|  | 30KDMJAGFS2 |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1.9 |
|  | XFAI1BENLOK |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.4 |
|  | JCTL4V4R4GH |  |  |  |  |  |  |  |  | 1073 Condominiums |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1 |
|  | UAGN0RI25A2 |  |  |  |  |  |  |  |  | 1025 2-4 Family Property |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
|  | 3R4BZUUU03V |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 3.6 |
|  | 4DA4B5LOVHC |  |  |  |  |  |  |  |  | 1073 Condominiums |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
|  | UJGAT4Q4C1V |  |  |  |  |  |  |  |  | 1073 Condominiums |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2.6 |
|  | O1D4AJFSR2H |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1.3 |
|  | 5YDBPCUKNB0 |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.962% | XXXX | XX/XX/2025 | Yes | 1 | 4 |
|  | DYEM2P4ODTY |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
|  | AIHOARUULR2 |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
|  | 5QZHJNKV0II |  |  |  |  |  |  |  |  | 1073 Condominiums |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 04/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
|  | VNEOK0SBB4M |  |  |  |  |  |  |  |  | 1073 Condominiums |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.7 |
|  | M2KKFD3PFIY |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 3.4 |
|  | 0GHF5XN5DXZ |  |  |  |  |  |  |  |  | 1073 Condominiums |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
|  | S5FZGKSUGUG |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 2.439% | XXXX | XX/XX/2025 | No | 3.5 | 4.9 |
|  | G0RCK33N5YQ |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | XXXX | -1.373% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -1.373% | XXXX | XX/XX/2025 | No | Unavailable | 2.6 |
|  | W0LW2WLKSY0 |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
|  | PK21VCXY2CS |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 4.7 |
|  | OLJU1ZO5OCY |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
|  | XMQF4EWZXBH |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 1 |
|  | TDRXAD01A2Q |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2.6 |
|  | SDPOEIULULO |  |  |  |  |  |  |  |  | 1025 2-4 Family Property |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
|  | 1KIRSOOCWIV |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | 1.9 |
|  | YYOHJRBU5CJ |  |  |  |  |  |  |  |  | 1025 2-4 Family Property |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
|  | LI1INBKWQCQ |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 2.5 |
|  | WDVC3BLBEVD |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 3.9 |
|  | BLQNTKIE21G |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2.6 |
|  | WKP1VCA1JS0 |  |  |  |  |  |  |  |  | 1025 2-4 Family Property |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
|  | SPU0P0XMOTM |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 2.5 |
|  | SC15X1OMEKU |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2.6 |
|  | CTXNYFLHMBY |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2 |
|  | 4SE3XDPHOYL |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1.7 |
|  | XITAUOUTLKA |  |  |  |  |  |  |  |  | 1073 Condominiums |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1.6 |
|  | LEBXW4O0M01 |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
|  | N4WP1AHNKEX |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | XXXX | -5.479% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
|  | VTGTHCIOJ2F |  |  |  |  |  |  |  |  | 1073 Condominiums |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.3 |
|  | RMS3E2NXG3U |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.7 |
|  | 4E1M4O2RFLI |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 5 |
|  | BPCJSXEERTN |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 4.2 |
|  | ZNFZBQI1Q2X |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 2.9 |
|  | VQF15OHHWTW |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 4.6 |
|  | V3RKQPOTKE0 |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 1.3 |
|  | LZLGCMCFZ0N |  |  |  |  |  |  |  |  | 1073 Condominiums |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
|  | 0M2NK0SKVYA |  |  |  |  |  |  |  |  | 1073 Condominiums |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | 1 |
|  | QHUN05VV4T1 |  |  |  |  |  |  |  |  | 1073 Condominiums |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1.5 |
|  | SCPBPZGUPKC |  |  |  |  |  |  |  |  | 1073 Condominiums |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 04/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.5 |
|  | TNYZ4HUG0VI |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2.9 |
|  | 52LMDVYL0FV |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1.3 |
|  | FNMJ4V4OWCU |  |  |  |  |  |  |  |  | 1025 2-4 Family Property |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
|  | MJ2T40UXONR |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1.4 |
|  | WWEASDPAIO1 |  |  |  |  |  |  |  |  | 1025 2-4 Family Property |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
|  | 3A30NZVF0T3 |  |  |  |  |  |  |  |  | 1025 2-4 Family Property |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
|  | OZWW0D4101J |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | 2.6 |
|  | 2B1OBRRSYDI |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
|  | XQVWPOHJIFK |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 2.5 |
|  | LO0ZLIUR00V |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 2.8 |
|  | TTCDD2I2JHM |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1.5 |
|  | F0Z5EZ2MRNB |  |  |  |  |  |  |  |  | 1073 Condominiums |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 2.1 |
|  | WIEDJQIMK5A |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | XXXX | -6.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 2.2 |
|  | F5FUWXAEIRQ |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.1 |
|  | RARIZVZTK1P |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
|  | SAOZ1TFOILM |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
|  | QA0FTGQIJYW |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| c | SZYZKBUAF3K |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 04/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 2.2 |
|  | 0YEECDGPZ0J |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
|  | ICCR023OIM4 |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 3.5 |
|  | GAOU3CD1RZM |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1.6 |
|  | A1Z1WLLZYG1 |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
|  | 0J3ZPL0ZKMU |  |  |  |  |  |  |  |  | 1073 Condominiums |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
|  | KLC5ROOJKWQ |  |  |  |  |  |  |  |  | 1025 2-4 Family Property |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
|  | KGIODYDUBWQ |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1 |
|  | WL1WBTHMDVS |  |  |  |  |  |  |  |  | 1073 Condominiums |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
|  | DD022HXAGCA |  |  |  |  |  |  |  |  | 1025 2-4 Family Property |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
|  | K1N15KRV2TI |  |  |  |  |  |  |  |  | 1025 2-4 Family Property |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
|  | 0QYHIBZTZUQ |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
|  | YAAZUI5Q4L3 |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
|  | 51SPVCFHREH |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 4.2 |
|  | 3FW5FSNW0S3 |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
|  | GGWRAPBNIG1 |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
|  | WHXOJRAO2ZV |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 2.5 |
|  | border-left:none; width:74pt'> |  |  |  |  |  |  |  | 1073 Condominiums |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |  |
|  | ETDKZQT5LDM |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
|  | BTCA303LFWZ |  |  |  |  |  |  |  |  | 1073 Condominiums |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1.1 |
|  | 1HY3RGYI3RN |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -4.000% | XXXX | XX/XX/2025 | Yes | 2 | 2.6 |
|  | OMOT44F3DCD |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2.5 |
|  | HOZ4OCVEI4E |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
|  | IJB5EKKEVYD |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 1 |
|  | 3CVJCM0QSGQ |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
|  | CI5UZX0TP04 |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
|  | FWE1E4NPO5P |  |  |  |  |  |  |  |  | 1025 2-4 Family Property |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
|  | Y4RLU1LRW2X |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
|  | AE4VL3R23PI |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
|  | JAQURLG3CYD |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
|  | BBL41UU4F2Y |  |  |  |  |  |  |  |  | 1025 2-4 Family Property |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
|  | OP2JJ1BIU3Z |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.8 |
|  | XPJEN1X3KZJ |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 4.4 |
|  | Q0NFIIAQ15N |  |  |  |  |  |  |  |  | 1025 2-4 Family Property |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
|  | 5EMIBWO3AN3 |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 2.6 |
|  | QHP10ZLBQOJ |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
|  | C5014G5O55T |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.6 |
|  | TTU4R31ZP4M |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
|  | FTUR1UTRSPI |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 3.6 |
|  | X23AV5LQOV2 |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 4.8 |
|  | EWHNEGTIE1V |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
|  | 1ZQHLEDTWOB |  |  |  |  |  |  |  |  | 1025 2-4 Family Property |  |  |  |  |  |  |  | XXXX | -5.882% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
|  | FSTK4DQXHOE |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
|  | RMLMIVRSW4P |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 04/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
|  | 0QDVL5VFXPN |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 3 |
|  | CSKR25XNXNS |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.7 |
|  | 1KODZE1N3VM |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | XXXX | -11.719% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 15.625% | XXXX | XX/XX/2025 | No | 4 | 1.4 |
|  | VG2C2PVSC0B |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 2 |
|  | KKK2P5RTKRP |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 8.299% | XXXX | XX/XX/2025 | No | 4.5 | 3.2 |
|  | SRZZEDOD3BG |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1 |
|  | 1RWNT0VAZMG |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.1 |
|  | RUZBBJQTTPN |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
|  | BGA40AFVXKS |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.6 |
|  | QHNUKOLBKZN |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Unavailable |
|  | AP010104HAY |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 3.2 |
|  | MMUYNKZTTPH |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | XXXX | -12.500% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX | XX/XX/2025 | Yes | 2.5 | 4.1 |
|  | VC1MGBIVHVK |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1.9 |
|  | 2G52YSVAY5O |  |  |  |  |  |  |  |  | 1073 Condominiums |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 2.1 |
|  | EMUTMQJOSTQ |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
|  | 5RGV2HQJQNS |  |  |  |  |  |  |  |  | 1025 2-4 Family Property |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
|  | U1NO2Q345TT |  |  |  |  |  |  |  |  | 1073 Condominiums |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX | XX/XX/2025 | Yes | 1 | 1 |
|  | YXES2FTFE2N |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | 1.1 |
|  | YKDSDWR4SD0 |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
|  | A25ASDKCVHW |  |  |  |  |  |  |  |  | 1073 Condominiums |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1.5 |
|  | IGO4JVAVXJ2 |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1 |
|  | ZNUQKOSBVCI |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1 |
|  | 3ROGR5LPSEC |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
|  | 00QAQAYVALO |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 4.1 |
|  | OVA5TZT24FE |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 2.6 |
|  | B2TENEMJS1B |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2.4 |
|  | SL55Q4ILVBZ |  |  |  |  |  |  |  |  | 1073 Condominiums |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.2 |
|  | VBHYYYV4EW4 |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.3 |
|  | TZPUGLOEMLR |  |  |  |  |  |  |  |  | 1025 2-4 Family Property |  |  |  |  |  |  |  | XXXX | -0.027% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
|  | X14VC42RI5B |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.4 |
|  | BDU3A2GMH3U |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
|  | JJTITMSCJZ2 |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.9 |
|  | BXSRZY21ESH |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | Not Applicable |
|  | HYVG5UIWOVA |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 3.1 |
|  | NCHBXWGM22W |  |  |  |  |  |  |  |  | 1025 2-4 Family Property |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
|  | XWB5BOKMRY0 |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | Unavailable |
|  | KBRXIPXAI5Y |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
|  | UWJRUH54CYZ |  |  |  |  |  |  |  |  | 1025 2-4 Family Property |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
|  | XHA2XYO03EA |  |  |  |  |  |  |  |  | 1025 2-4 Family Property |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
|  | S1HKUNGARJI |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1.9 |
|  | FD4KGCFYI4I |  |  |  |  |  |  |  |  | 1025 2-4 Family Property |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
|  | Z45STRFWNH4 |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1 |
|  | EYUC1NB5VTY |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 04/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
|  | Y3QXWVQB50C |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.4 |
|  | QJ2VDHKDMQJ |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
|  | GA3D2MAE4AV |  |  |  |  |  |  |  |  | 1073 Condominiums |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
|  | U5QXVOJ2DVO |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 3.4 |
|  | SDQFSWYHJDT |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1.7 |
|  | 1ARLRL2ACEB |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
|  | BMZVEIZSM1S |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | XXXX | -4.795% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 4.7 |
|  | 4ENFUWUWQT3 |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 4.5 |
|  | NERWURILFK4 |  |  |  |  |  |  |  |  | 1073 Condominiums |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.1 |
|  | 4TJCYI5F3M3 |  |  |  |  |  |  |  |  | 1073 Condominiums |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 3 |
|  | Y33AOQMLJX4 |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
|  | N3MJ5TE1EUB |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
|  | CIGVH1SQEQ4 |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1.3 |
|  | WP3G5QX3VFY |  |  |  |  |  |  |  |  | 1025 2-4 Family Property |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
|  | DRESECYHQWW |  |  |  |  |  |  |  |  | 1025 2-4 Family Property |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
|  | 3SYZFNITRJS |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | XXXX | -5.204% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
|  | H3YE13BYI0W |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 3.1 |
|  | SI3YOCWFDIP |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
|  | XFC4OULXL3F |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 2.3 |
|  | 4VNQRI3GX50 |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 3.1 |
|  | 0ZUYOUHGJT4 |  |  |  |  |  |  |  |  | 1073 Condominiums |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.4 |
|  | VXXDEOJTXIY |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | XXXX | -2.022% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 2.3 |
|  | OMV01XDCNGT |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 5 |
|  | JXHHCLGGRDV |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
|  | B1B5UDXV2VB |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 2.6 |
|  | I23K2AGUOW0 |  |  |  |  |  |  |  |  | 1073 Condominiums |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
|  | IDX2A24UVAJ |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 2.6 |
|  | BIMUVVOOA22 |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
|  | QPFE1RC3IPJ |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -0.145% | XXXX | XX/XX/2025 | No | 4.5 | 2.2 |
|  | V1XMS2VPEWF |  |  |  |  |  |  |  |  | 1025 2-4 Family Property |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
|  | PYUK3RDAIX1 |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
|  | 1GRZTBSIVEW |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | XXXX | -3.846% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
|  | 133NEVCMNTQ |  |  |  |  |  |  |  |  | 1073 Condominiums |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
|  | FE1EU4ZXVIO |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2.6 |
|  | YR1SBK0QHPL |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 4.7 |
|  | NRFBRI55EYN |  |  |  |  |  |  |  |  | 1025 2-4 Family Property |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
|  | VSU040ZYOMN |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
|  | 4SP0CCB3V1L |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | XXXX | 0.968% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 4.1 |
|  | HNQIHD15EK2 |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
|  | JQGWKVBWEE4 |  |  |  |  |  |  |  |  | 1073 Condominiums |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1.3 |
|  | VYFG2R3ID0T |  |  |  |  |  |  |  |  | 1025 2-4 Family Property |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
|  | CC5M5HYWNZN |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1 |
|  | KHZPTAQQQHW |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
|  | V5WJEZVDLQP |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 20.561% | XXXX | XX/XX/2025 | Not Applicable | Not Applicable | 3.3 |
|  | DLSZPYUR0KD |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | XXXX | 0.645% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 3 |
|  | JYKXTYOCTQR |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.5 |
|  | XVJWXPCXKFJ |  |  |  |  |  |  |  |  | 1073 Condominiums |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
|  | 4FZTSPOIU3V |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX | XX/XX/2025 | No | 4 | 1 |
|  | 5DCHNY0HSEK |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 4 |
|  | AXJWXVJODC5 |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 4.7 |
|  | M3U2QWB0ECJ |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.893% | XXXX | XX/XX/2025 | Yes | 1 | 2.6 |
|  | WKF1WEERWGJ |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 2.7 |
|  | Q3SA3Z3WILQ |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 2.1 |
|  | 0WQGCOK3E4O |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
|  | BZ3OXTHDU1T |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2.6 |
|  | EXAADFJO4HG |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
|  | QAFAMZPWOA3 |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
|  | IWHS3HJNVSL |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 2.6 |
|  | SZMQRIPXINW |  |  |  |  |  |  |  |  | 1025 2-4 Family Property |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
|  | LU5LYP10CAY |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1 |
|  | BI5DVO0SEOT |  |  |  |  |  |  |  |  | 1025 2-4 Family Property |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
|  | F2BIQD2WFNB |  |  |  |  |  |  |  |  | 1073 Condominiums |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | 2.5 |
|  | W3ASO0V4S3D |  |  |  |  |  |  |  |  | 1025 2-4 Family Property |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
|  | L4M44OVB12U |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
|  | KTN1V2N2YOM |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
|  | EYKCZN0T0NP |  |  |  |  |  |  |  |  | 1004 Residential Appraisal |  |  |  |  |  |  |  | $0.00 | 0.000% |  | 04/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1.8 |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Infinity Loan ID** | **Loan Number** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **Final Overall Credit Grade** | **Final Overall Compliance Grade** | **DBRS FINAL Credit Grade** | **DBRS INITIAL Compliance Grade** | **DBRS FINAL Compliance Grade** | **FITCH FINAL Credit Grade** | **FITCH INITIAL Compliance Grade** | **FITCH FINAL Compliance Grade** | **KROLL FINAL Credit Grade** | **KROLL INITIAL Compliance Grade** | **KROLL FINAL Compliance Grade** | **MOODY's FINAL Credit Grade** | **MOODY's INITIAL Compliance Grade** | **MOODY's FINAL Compliance Grade** | **S&P FINAL Credit Grade** | **S&P INITIAL Compliance Grade** | **S&P FINAL Compliance Grade** |
|  | AIHOARUULR2 |  |  | New Jersey |  | Primary | Purchase B | A | B A D | A | D | B A D | A | D | B A D | A | D | B A D | A | D | B A D | A | D | B A |
|  | LO0ZLIUR00V |  |  | New York |  | Primary | Purchase B | A | B A D | A | D | B A D | A | D | B A D | A | D | B A D | A | D | B A D | A | D | B A |
|  | 00QAQAYVALO |  |  | Georgia |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | 05BRRHT0D2K |  |  | Ohio |  | Investor | Cash Out A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | 0GHF5XN5DXZ |  |  | California |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | 0IU4KD231FF |  |  | Florida |  | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | 0J3ZPL0ZKMU |  |  | California |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | 0M2NK0SKVYA |  |  | Connecticut |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | 0QDVL5VFXPN |  |  | South Carolina |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | 0QYHIBZTZUQ |  |  | Florida |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | 0TA5EU0GORN |  |  | Florida |  | Primary | Purchase A | A | A C | A | C | A C | A | C | A C | A | C | A C | A | C | A C | A | C | A |
|  | 0WQGCOK3E4O |  |  | Indiana |  | Investor | Cash Out A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | 0YEECDGPZ0J |  |  | New York |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | 0ZUYOUHGJT4 |  |  | California |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | 133NEVCMNTQ |  |  | Michigan |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | 1ARLRL2ACEB |  |  | Texas |  | Primary | Cash Out A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A |
|  | 1GRZTBSIVEW |  |  | Maryland |  | Investor | Purchase A | A | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable |
|  | 1GX2RI3KFKK |  |  | Wisconsin |  | Primary | Refinance B | B | A C B | B | C | A C B | B | C | A C B | B | C | A C B | B | C | A C B | B | C | A |
|  | 1HY3RGYI3RN |  |  | Minnesota |  | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | 1KIRSOOCWIV |  |  | Colorado |  | Primary | Purchase A | A | A C | A | C | A C | A | C | A C | A | C | A C | A | C | A C | A | C | A |
|  | 1KODZE1N3VM |  |  | Washington |  | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | 1RWNT0VAZMG |  |  | Florida |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | 1UMUBASNGZ3 |  |  | North Carolina |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | 1XCQM0URLZS |  |  | North Carolina |  | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | 1ZQHLEDTWOB |  |  | Pennsylvania |  | Investor | Cash Out A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | 2B1OBRRSYDI |  |  | California |  | Primary | Purchase B | B | A D B | B | D | A D B | B | D | A D B | B | D | A D B | B | D | A D B | B | D | A |
|  | 2G52YSVAY5O |  |  | Colorado |  | Primary | Purchase A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A |
|  | 2WMYYKZRKZL |  |  | Georgia |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | 30KDMJAGFS2 |  |  | Ohio |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | 3A30NZVF0T3 |  |  | California |  | Investor | Cash Out A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | 3CVJCM0QSGQ |  |  | Utah |  | Investor | Purchase A | A | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable |
|  | 3FW5FSNW0S3 |  |  | Alabama |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | 3IUQCTAMMA2 |  |  | Texas |  | Secondary | Purchase A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A |
|  | 3QP0B3QEBMH |  |  | Texas |  | Investor | Cash Out B | B | Not Applicable D B | B | Not Applicable | Not Applicable D B | B | Not Applicable | Not Applicable D B | B | Not Applicable | Not Applicable D B | B | Not Applicable | Not Applicable D B | B | Not Applicable | Not Applicable D |
|  | 3R4BZUUU03V |  |  | Texas |  | Primary | Cash Out A | A | A C | A | C | A C | A | C | A C | A | C | A C | A | C | A C | A | C | A |
|  | 3ROGR5LPSEC |  |  | Pennsylvania |  | Primary | Purchase B | B | A B | B | A | A B | B | A | A B | B | A | A B | B | A | A B | B | A | A |
|  | 3SYZFNITRJS |  |  | Florida |  | Primary | Cash Out B | B | A D B | B | A | A D B | B | A | A D B | B | A | A D B | B | A | A D B | B | A | A |
|  | 3XOT3V0LTPX |  |  | Florida |  | Primary | Cash Out A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A |
|  | 3Y4N5XVVYOQ |  |  | Alaska |  | Investor | Cash Out A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | 45I5I3GGYJO |  |  | Georgia |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | 4BGMMH4Z2VY |  |  | California |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | 4CWD54XPU5A |  |  | Florida |  | Primary | Purchase B | B | A B | B | A | A B | B | A | A B | B | A | A B | B | A | A B | B | A | A |
|  | 4DA4B5LOVHC |  |  | New Jersey |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | 4E1M4O2RFLI |  |  | Utah |  | Secondary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | 4ENFUWUWQT3 |  |  | Arizona |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | 4FZTSPOIU3V |  |  | California |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | 4SE3XDPHOYL |  |  | Hawaii |  | Investor | Purchase A | A | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable |
|  | 4SP0CCB3V1L |  |  | Minnesota |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | 4TJCYI5F3M3 |  |  | Maryland |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | 4VNQRI3GX50 |  |  | Florida |  | Primary | Purchase A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A |
|  | 4XATLZ5LPVZ |  |  | Florida |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | 51SPVCFHREH |  |  | Florida |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | 52LMDVYL0FV |  |  | California |  | Primary | Purchase B | B | A C B | B | C | A C B | B | C | A C B | B | C | A C B | B | C | A C B | B | C | A |
|  | 554OYWLTLC0 |  |  | Indiana |  | Primary | Purchase A | A | A C | A | C | A C | A | C | A C | A | C | A C | A | C | A C | A | C | A |
|  | 5DCHNY0HSEK |  |  | Kentucky |  | Primary | Purchase A | A | A D | A | D | A D | A | D | A D | A | D | A D | A | D | A D | A | D | A |
|  | 5EMIBWO3AN3 |  |  | Florida |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | 5QZHJNKV0II |  |  | Nevada |  | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | 5RGV2HQJQNS |  |  | Colorado |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | 5YDBPCUKNB0 |  |  | California |  | Primary | Refinance A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A |
|  | A1Z1WLLZYG1 |  |  | Pennsylvania |  | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | A25ASDKCVHW |  |  | New York |  | Investor | Cash Out A | A | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable |
|  | AE4VL3R23PI |  |  | North Carolina |  | Primary | Purchase B | B | A B | B | A | A B | B | A | A B | B | A | A B | B | A | A B | B | A | A |
|  | AOYEN5OE0HR |  |  | Tennessee |  | Secondary | Purchase A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A |
|  | AP010104HAY |  |  | Virginia |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | APF12UDPD3E |  |  | Delaware |  | Secondary | Refinance A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | AXJWXVJODC5 |  |  | Louisiana |  | Investor | Refinance A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | B040SGRAAKD |  |  | Utah |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | B1B5UDXV2VB |  |  | Washington |  | Primary | Purchase A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A D |
|  | B2TENEMJS1B |  |  | Florida |  | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | BBL41UU4F2Y |  |  | New Jersey |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | BDU3A2GMH3U |  |  | California |  | Investor | Cash Out B | B | Not Applicable B | B | Not Applicable | Not Applicable B | B | Not Applicable | Not Applicable B | B | Not Applicable | Not Applicable B | B | Not Applicable | Not Applicable B | B | Not Applicable | Not Applicable |
|  | BGA40AFVXKS |  |  | Washington |  | Investor | Cash Out A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | BI5DVO0SEOT |  |  | New York |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | BIMUVVOOA22 |  |  | California |  | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | BLQNTKIE21G |  |  | Florida |  | Primary | Purchase A | A | A C | A | C | A C | A | C | A C | A | C | A C | A | C | A C | A | C | A |
|  | BMZVEIZSM1S |  |  | Florida |  | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | BPCJSXEERTN |  |  | New York |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | BSNMB5LMQ1Y |  |  | North Carolina |  | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | BTCA303LFWZ |  |  | North Carolina |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | BXSRZY21ESH |  |  | Oregon |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | BYQVQL4GJTU |  |  | California |  | Primary | Purchase A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A |
|  | BZ3OXTHDU1T |  |  | California |  | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | C05DYUUNNDX |  |  | Michigan |  | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | C5014G5O55T |  |  | Oklahoma |  | Investor | Refinance A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | CC5M5HYWNZN |  |  | Florida |  | Investor | Refinance A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | CC5XMQ1D15J |  |  | Texas |  | Primary | Purchase A | A | A C | A | C | A C | A | C | A C | A | C | A C | A | C | A C | A | C | A |
|  | CI5UZX0TP04 |  |  | Texas |  | Primary | Purchase A | A | A C | A | C | A C | A | C | A C | A | C | A C | A | C | A C | A | C | A |
|  | CIGVH1SQEQ4 |  |  | Ohio |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | CQ3TNRGPALW |  |  | New York |  | Primary | Purchase A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A |
|  | CSKR25XNXNS |  |  | Michigan |  | Primary | Purchase A | A | A C | A | C | A C | A | C | A C | A | C | A C | A | C | A C | A | C | A |
|  | CTXNYFLHMBY |  |  | Ohio |  | Primary | Purchase A | A | A C | A | C | A C | A | C | A C | A | C | A C | A | C | A C | A | C | A |
|  | DD022HXAGCA |  |  | Alaska |  | Investor | Cash Out A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | DLSZPYUR0KD |  |  | California |  | Primary | Purchase B | B | A D B | B | A | A D B | B | A | A D B | B | A | A D B | B | A | A D B | B | A | A |
|  | DRESECYHQWW |  |  | Utah |  | Investor | Purchase A | A | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable |
|  | DYEM2P4ODTY |  |  | Utah |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | E1LCJPK1I5Q |  |  | Washington |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | EMUTMQJOSTQ |  |  | Florida |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | ETDKZQT5LDM |  |  | New York |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | EWHNEGTIE1V |  |  | Florida |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | EXAADFJO4HG |  |  | Indiana |  | Investor | Cash Out A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | EYKCZN0T0NP |  |  | Georgia |  | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | EYUC1NB5VTY |  |  | Oregon |  | Primary | Purchase A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A |
|  | F0Z5EZ2MRNB |  |  | Florida |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | F2BIQD2WFNB |  |  | Maryland |  | Investor | Refinance A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | F5FUWXAEIRQ |  |  | Connecticut |  | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | FD4KGCFYI4I |  |  | Florida |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | FE1EU4ZXVIO |  |  | New York |  | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | FFN02DI1OIR |  |  | North Carolina |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | FNMJ4V4OWCU |  |  | Indiana |  | Investor | Purchase A | A | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable |
|  | FSTK4DQXHOE |  |  | Florida |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | FTUR1UTRSPI |  |  | Illinois |  | Investor | Purchase A | A | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable |
|  | FWE1E4NPO5P |  |  | Texas |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | G0RCK33N5YQ |  |  | Oklahoma |  | Primary | Purchase A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A |
|  | GA3D2MAE4AV |  |  | Florida |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | GAOU3CD1RZM |  |  | North Carolina |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | GGWRAPBNIG1 |  |  | Florida |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | GTHXRMJHRVL |  |  | New Jersey |  | Primary | Purchase A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A D |
|  | H3YE13BYI0W |  |  | Ohio |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | HNQIHD15EK2 |  |  | Georgia |  | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | HOZ4OCVEI4E |  |  | Florida |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | HYFOCTM4NB1 |  |  | North Carolina |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | HYVG5UIWOVA |  |  | New York |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | I1MMKIHEQ2U |  |  | North Carolina |  | Primary | Purchase A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A |
|  | I23K2AGUOW0 |  |  | New York |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | IA1OWN4G11M |  |  | Delaware |  | Investor | Cash Out A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | ICCR023OIM4 |  |  | Florida |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | IDX2A24UVAJ |  |  | Georgia |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | IGO4JVAVXJ2 |  |  | California |  | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | IJB5EKKEVYD |  |  | Nevada |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | IOAM30KSUQJ |  |  | Washington |  | Investor | Refinance A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | IOHNNXMRNCF |  |  | Texas |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | IUXWWG24553 |  |  | Nebraska |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | IWHS3HJNVSL |  |  | California |  | Investor | Cash Out A | A | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D |
|  | J3TBM2ZTDD1 |  |  | South Carolina |  | Investor | Cash Out A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | JAQURLG3CYD |  |  | California |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | JCTL4V4R4GH |  |  | New York |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | JJTITMSCJZ2 |  |  | Florida |  | Primary | Purchase A | A | A C | A | C | A C | A | C | A C | A | C | A C | A | C | A C | A | C | A |
|  | JQGWKVBWEE4 |  |  | Hawaii |  | Investor | Purchase A | A | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable |
|  | JTYPN2QACRU |  |  | Florida |  | Investor | Purchase B | B | Not Applicable B | B | Not Applicable | Not Applicable B | B | Not Applicable | Not Applicable B | B | Not Applicable | Not Applicable B | B | Not Applicable | Not Applicable B | B | Not Applicable | Not Applicable |
|  | JXHHCLGGRDV |  |  | Maryland |  | Primary | Purchase A | A | A D | A | D | A D | A | D | A D | A | D | A D | A | D | A D | A | D | A |
|  | JYKXTYOCTQR |  |  | Florida |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | K1N15KRV2TI |  |  | New York |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | KBRXIPXAI5Y |  |  | California |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | KGIODYDUBWQ |  |  | California |  | Primary | Refinance A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A |
|  | KHZPTAQQQHW |  |  | Georgia |  | Investor | Purchase A | A | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable |
|  | KKK2P5RTKRP |  |  | Washington |  | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | KKOEXPUOPJ3 |  |  | Colorado |  | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | KLC5ROOJKWQ |  |  | New York |  | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | KTN1V2N2YOM |  |  | Ohio |  | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | L4M44OVB12U |  |  | Virginia |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | LEBXW4O0M01 |  |  | Florida |  | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | LGRZ4BZNBR3 |  |  | Pennsylvania |  | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | LHZVSG5Z0LC |  |  | Florida |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | LI1INBKWQCQ |  |  | Indiana |  | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | LODYAEQAL3L |  |  | Florida |  | Investor | Purchase B | B | Not Applicable B | B | Not Applicable | Not Applicable B | B | Not Applicable | Not Applicable B | B | Not Applicable | Not Applicable B | B | Not Applicable | Not Applicable B | B | Not Applicable | Not Applicable |
|  | LU5LYP10CAY |  |  | California |  | Primary | Refinance A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A |
|  | LWGGMUBZSUI |  |  | South Carolina |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | LZLGCMCFZ0N |  |  | Tennessee |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | M23IFZ4FMFM |  |  | New York |  | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | M2KKFD3PFIY |  |  | Florida |  | Primary | Purchase A | A | A C | A | C | A C | A | C | A C | A | C | A C | A | C | A C | A | C | A |
|  | M3U2QWB0ECJ |  |  | Utah |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | MJ2T40UXONR |  |  | New Jersey |  | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | MJRCBQ2GB4H |  |  | Arizona |  | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | MMUYNKZTTPH |  |  | Washington |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | border-left:none; width:85pt'> |  | Georgia |  | Investor | Purchase | A | Not Applicable | A D | Not Applicable | Not Applicable | A D | Not Applicable | Not Applicable | A D | Not Applicable | Not Applicable | A D | Not Applicable | Not Applicable | A D | Not Applicable | Not Applicable | A |
|  | N3K1D4DU4UN |  |  | California |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | N3MJ5TE1EUB |  |  | Louisiana |  | Primary | Refinance A | A | A C D | A | C | A C D | A | C | A C D | A | C | A C D | A | C | A C D | A | C | A |
|  | N4WP1AHNKEX |  |  | South Carolina |  | Secondary | Purchase A | A | A D | A | D | A D | A | D | A D | A | D | A D | A | D | A D | A | D | A |
|  | NC0PGLAZCTN |  |  | Florida |  | Primary | Purchase A | A | A C D | A | C | A C D | A | C | A C D | A | C | A C D | A | C | A C D | A | C | A |
|  | NCHBXWGM22W |  |  | New Jersey |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | NERWURILFK4 |  |  | Florida |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | NRFBRI55EYN |  |  | New York |  | Investor | Purchase A | A | Not Applicable B | B | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | NXI2OL2ZMAP |  |  | Florida |  | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | O1D4AJFSR2H |  |  | Florida |  | Primary | Purchase B | B | A B | B | A | A B | B | A | A B | B | A | A B | B | A | A B | B | A | A |
|  | OLJU1ZO5OCY |  |  | Texas |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | OMOT44F3DCD |  |  | Texas |  | Primary | Purchase A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A |
|  | OMV01XDCNGT |  |  | New Jersey |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | OP2JJ1BIU3Z |  |  | California |  | Primary | Purchase B | B | A D B | B | D | A D B | B | D | A D B | B | D | A D B | B | D | A D B | B | D | A |
|  | OVA5TZT24FE |  |  | Georgia |  | Secondary | Refinance B | B | A B | B | A | A B | B | A | A B | B | A | A B | B | A | A B | B | A | A |
|  | OZWW0D4101J |  |  | Connecticut |  | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | PAVB1Y0RPIL |  |  | New York |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | PK21VCXY2CS |  |  | Montana |  | Primary | Cash Out A | A | A D | A | D | A D | A | D | A D | A | D | A D | A | D | A D | A | D | A |
|  | PSKQCLXGXW5 |  |  | Alabama |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | PXFQEIRUWWR |  |  | California |  | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | PYUK3RDAIX1 |  |  | Florida |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | Q0NFIIAQ15N |  |  | Louisiana |  | Investor | Cash Out A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | Q330QSURQSQ |  |  | Texas |  | Investor | Purchase A | A | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable |
|  | Q3SA3Z3WILQ |  |  | Michigan |  | Primary | Purchase B | B | A B | B | A | A B | B | A | A B | B | A | A B | B | A | A B | B | A | A |
|  | QA0FTGQIJYW |  |  | Nebraska |  | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | QAFAMZPWOA3 |  |  | Georgia |  | Investor | Cash Out A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | QEOC2FT0VHH |  |  | Colorado |  | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | QGCI5AT4XQQ |  |  | Florida |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | QHNUKOLBKZN |  |  | California |  | Primary | Refinance A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A |
|  | QHP10ZLBQOJ |  |  | Texas |  | Primary | Purchase B | B | A C B | B | C | A C B | B | C | A C B | B | C | A C B | B | C | A C B | B | C | A |
|  | QHUN05VV4T1 |  |  | Florida |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | QJ2VDHKDMQJ |  |  | Florida |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | QPFE1RC3IPJ |  |  | Oregon |  | Primary | Refinance A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A |
|  | QSIJULHV22T |  |  | New Jersey |  | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | QUESK2YR0OT |  |  | California |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | QWD2NY3QY0Z |  |  | Colorado |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | R43UGYID0WR |  |  | California |  | Investor | Purchase A | A | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable |
|  | RARIZVZTK1P |  |  | Texas |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | RMLMIVRSW4P |  |  | Louisiana |  | Investor | Cash Out A | A | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable |
|  | RMS3E2NXG3U |  |  | Texas |  | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | RUZBBJQTTPN |  |  | Florida |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | RW3S5PKER05 |  |  | Colorado |  | Secondary | Purchase A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A |
|  | S1HKUNGARJI |  |  | Florida |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | S3CKJJSBNAR |  |  | North Carolina |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | S4H5WYYB5LS |  |  | Washington |  | Primary | Purchase B | B | A B | B | A | A B | B | A | A B | B | A | A B | B | A | A B | B | A | A |
|  | S5FZGKSUGUG |  |  | Utah |  | Primary | Purchase A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A |
|  | SAOZ1TFOILM |  |  | Florida |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | SC15X1OMEKU |  |  | Florida |  | Primary | Purchase B | B | A B | B | A | A B | B | A | A B | B | A | A B | B | A | A B | B | A | A |
|  | SCPBPZGUPKC |  |  | Colorado |  | Primary | Purchase A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A |
|  | SDPOEIULULO |  |  | Minnesota |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | SDQFSWYHJDT |  |  | Florida |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | SI3YOCWFDIP |  |  | Connecticut |  | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | SL55Q4ILVBZ |  |  | South Carolina |  | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | SLVFWBKECF3 |  |  | Texas |  | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | SPU0P0XMOTM |  |  | California |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | SRZZEDOD3BG |  |  | Virginia |  | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | STZCYXKW0WM |  |  | Washington |  | Primary | Purchase A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A |
|  | SZMQRIPXINW |  |  | Connecticut |  | Investor | Purchase A | A | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable |
|  | SZYZKBUAF3K |  |  | Texas |  | Primary | Cash Out B | B | A B | B | A | A B | B | A | A B | B | A | A B | B | A | A B | B | A | A |
|  | T23FUJND32H |  |  | Texas |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | TCWUQOINCV0 |  |  | Texas |  | Investor | Cash Out A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | TDRXAD01A2Q |  |  | Pennsylvania |  | Primary | Cash Out A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A |
|  | TEVGUOE0DXM |  |  | Florida |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | TLETRZBYEBH |  |  | Michigan |  | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | TNYZ4HUG0VI |  |  | California |  | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | TTCDD2I2JHM |  |  | Maryland |  | Investor | Purchase A | A | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable |
|  | TTU4R31ZP4M |  |  | Florida |  | Investor | Refinance A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | TZPUGLOEMLR |  |  | California |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | U1NO2Q345TT |  |  | Ohio |  | Primary | Purchase A | A | A C D | A | C | A C D | A | C | A C D | A | C | A C D | A | C | A C D | A | C | A |
|  | U5QXVOJ2DVO |  |  | Florida |  | Investor | Cash Out A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | UACFI5MHONV |  |  | Texas |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | UAGN0RI25A2 |  |  | Florida |  | Investor | Refinance A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | UFYLBCD3LRL |  |  | North Carolina |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | UJGAT4Q4C1V |  |  | Florida |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | UVCZLVE5Q1O |  |  | California |  | Investor | Refinance A | A | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable |
|  | UWJRUH54CYZ |  |  | New York |  | Investor | Purchase A | A | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable |
|  | V1XMS2VPEWF |  |  | Florida |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | V2RFHTTUAW4 |  |  | Florida |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | V3RKQPOTKE0 |  |  | California |  | Investor | Purchase A | A | Not Applicable C | A | Not Applicable | Not Applicable C | A | Not Applicable | Not Applicable C | A | Not Applicable | Not Applicable C | A | Not Applicable | Not Applicable C | A | Not Applicable | Not Applicable |
|  | V5WJEZVDLQP |  |  | Florida |  | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | VBHYYYV4EW4 |  |  | New York |  | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | VC1MGBIVHVK |  |  | New York |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | VENOZNVSQIG |  |  | California |  | Primary | Cash Out A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A |
|  | VG2C2PVSC0B |  |  | Texas |  | Investor | Refinance A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | VNEOK0SBB4M |  |  | California |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | VQF15OHHWTW |  |  | Georgia |  | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | VQXDR2D3C5Q |  |  | New York |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | VSU040ZYOMN |  |  | Maryland |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | VTGTHCIOJ2F |  |  | Washington |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | VXXDEOJTXIY |  |  | Washington |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | VYFG2R3ID0T |  |  | California |  | Investor | Cash Out A | A | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable |
|  | W0LW2WLKSY0 |  |  | Florida |  | Investor | Cash Out A | A | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable D | A | Not Applicable | Not Applicable |
|  | W3ASO0V4S3D |  |  | Pennsylvania |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | WDVC3BLBEVD |  |  | Kansas |  | Primary | Purchase B | B | A D B | B | A | A D B | B | A | A D B | B | A | A D B | B | A | A D B | B | A | A |
|  | WHXOJRAO2ZV |  |  | Arizona |  | Secondary | Cash Out A | A | A C | A | A | A C | A | A | A C | A | A | A C | A | A | A C | A | A | A |
|  | WIEDJQIMK5A |  |  | North Carolina |  | Investor | Cash Out A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | WKF1WEERWGJ |  |  | Florida |  | Investor | Refinance A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | WKP1VCA1JS0 |  |  | Missouri |  | Investor | Refinance A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | WL1WBTHMDVS |  |  | Virginia |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | WP3G5QX3VFY |  |  | New York |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | WWEASDPAIO1 |  |  | Florida |  | Investor | Cash Out A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | X14VC42RI5B |  |  | Georgia |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | X23AV5LQOV2 |  |  | Pennsylvania |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | XD0PVC0YU3M |  |  | Colorado |  | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | XFAI1BENLOK |  |  | Washington |  | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | XFC4OULXL3F |  |  | New York |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | XHA2XYO03EA |  |  | Florida |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | XITAUOUTLKA |  |  | Florida |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | XK2H12HSURG |  |  | Massachusetts |  | Investor | Cash Out A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | XMQF4EWZXBH |  |  | New York |  | Primary | Purchase B | B | A B | B | A | A B | B | A | A B | B | A | A B | B | A | A B | B | A | A |
|  | XPJEN1X3KZJ |  |  | Idaho |  | Primary | Purchase A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A |
|  | XQVWPOHJIFK |  |  | Connecticut |  | Primary | Purchase A | A | A C D | A | C | A C D | A | C | A C D | A | C | A C D | A | C | A C D | A | C | A |
|  | XVJWXPCXKFJ |  |  | North Carolina |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | XWB5BOKMRY0 |  |  | Florida |  | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | XZMXTLWPKE2 |  |  | Minnesota |  | Primary | Refinance B | B | A B | B | A | A B | B | A | A B | B | A | A B | B | A | A B | B | A | A |
|  | XZYBB1OA330 |  |  | Florida |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | Y33AOQMLJX4 |  |  | Maryland |  | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | Y3QXWVQB50C |  |  | Texas |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | Y4RLU1LRW2X |  |  | California |  | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | YAAZUI5Q4L3 |  |  | Texas |  | Primary | Purchase A | A | A C D | A | C | A C D | A | C | A C D | A | C | A C D | A | C | A C D | A | C | A |
|  | YBHE3P0PUDK |  |  | Texas |  | Investor | Purchase B | B | Not Applicable B | B | Not Applicable | Not Applicable B | B | Not Applicable | Not Applicable B | B | Not Applicable | Not Applicable B | B | Not Applicable | Not Applicable B | B | Not Applicable | Not Applicable |
|  | YCBK2QZAYTD |  |  | Florida |  | Investor | Refinance A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | YDDKK51D4UH |  |  | New York |  | Primary | Purchase A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A |
|  | YKDSDWR4SD0 |  |  | Utah |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | YR1SBK0QHPL |  |  | California |  | Primary | Cash Out A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A D | A | A | A |
|  | YXES2FTFE2N |  |  | California |  | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | YYOHJRBU5CJ |  |  | New York |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | Z45STRFWNH4 |  |  | Florida |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |
|  | ZNFZBQI1Q2X |  |  | Florida |  | Primary | Purchase A | A | A C | A | C | A C | A | C | A C | A | C | A C | A | C | A C | A | C | A |
|  | ZNUQKOSBVCI |  |  | Arizona |  | Investor | Purchase A | A | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable | A | Not Applicable | Not Applicable |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 3**

**Data Compare**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Infinity Loan ID** | **Loan Number** | **Loan Number 2** | **Field** | **Loan Value** | **Tape Value** | **Variance %** | **Comment** | **Tape Source** |
|  | NC0PGLAZCTN |  |  | Residual Income |  |  | 9.33401% | Total verified monthly income equals $9,821.54, monthly PITIA equals $2,111.67 and all other debts equal $443.75. Residual income is $X | Initial |
|  | 3Y4N5XVVYOQ |  |  | Residual Income |  |  | 3.62167% | Total verified monthly income equals $255,344.51, monthly PITIA equals $1,653.23 and all other debts equal $15,871.13. Residual income is $ X | Initial |
|  | Q330QSURQSQ |  |  | Residual Income |  |  | 5.92054% | Total verified monthly income equals $20,657.15, monthly PITIA equals $0.00 and all other debts equal $7,051.01. Residual income is $X | Initial |
|  | KKOEXPUOPJ3 |  |  | Residual Income |  |  | 3.78648% | Total verified monthly income equals $57,916.69, monthly PITIA equals $8,355.73 and all other debts equal $10,686.00. Residual income is $X | Initial |
|  | XK2H12HSURG |  |  | Residual Income |  |  | 8.18594% | Total verified monthly income equals $7,616.89, monthly PITIA equals $192.69 and all other debts equal $3,121.71. Residual income is $X | Initial |
|  | LHZVSG5Z0LC |  |  | Residual Income |  |  | -39.88522% | Total verified monthly income equals $22,930.27, monthly PITIA equals $4,432.48 and all other debts equal $117.00. Residual income is $X | Initial |
|  | TLETRZBYEBH |  |  | Residual Income |  |  | 4.24989% | Total verified monthly income equals $53,066.87, monthly PITIA equals $11,457.85 and all other debts equal $5,055.16. Residual income is $X | Initial |
|  | UVCZLVE5Q1O |  |  | Residual Income |  |  | 23.67669% | Total verified monthly income equals $20,468.54, monthly PITIA equals $1,142.89 and all other debts equal $4,504. Residual income is $ X | Initial |
|  | APF12UDPD3E |  |  | Residual Income |  |  | 56.95673% | Total verified monthly income equals $54,050.00, monthly PITIA equals $10,082.13 and all other debts equal $7,432.22. Residual income is $X | Initial |
|  | N3K1D4DU4UN |  |  | Residual Income |  |  | 4.23445% | Total verified monthly income equals $35,854.83, monthly PITIA equals $15,197.17 and all other debts equal $920.00. Residual income is $X | Initial |
|  | C05DYUUNNDX |  |  | Residual Income |  |  | 4.91889% | Total verified monthly income equals $74,113.49, monthly PITIA equals $0.00 and all other debts equal $25,817.09. Residual income is $X | Initial |
|  | FFN02DI1OIR |  |  | Residual Income |  |  | 15.24591% | Total verified monthly income equals $90,852.67, monthly PITIA equals $13,250.50 and all other debts equal $207.00. Residual income is $X | Initial |
|  | 0TA5EU0GORN |  |  | Residual Income |  |  | -8.31980% | Total verified monthly income equals $5,110.14, monthly PITIA equals $1,800.07 and all other debts equal $440.15. Residual income is $X | Initial |
|  | TCWUQOINCV0 |  |  | Residual Income |  |  | -6.03666% | Total verified monthly income equals $38,229.06, monthly PITIA equals $0.00 and all other debts equal $14,119.27. Residual income is $X | Initial |
|  | HYFOCTM4NB1 |  |  | Residual Income |  |  | 4.46177% | Total verified monthly income equals $34,513.79, monthly PITIA equals $5,594.02 and all other debts equal $6,177.45. Residual income is $X | Initial |
|  | QSIJULHV22T |  |  | Residual Income |  |  | -5.87004% | Total verified monthly income equals $27,499.98, monthly PITIA equals $4,518.71 and all other debts equal $5,342.23. Residual income is $X | Initial |
|  | B040SGRAAKD |  |  | Residual Income |  |  | 5.26906% | Total verified monthly income equals $41,666.67, monthly PITIA equals $7,461.73 and all other debts equal $6,583.00. Residual income is $X | Initial |
|  | 3IUQCTAMMA2 |  |  | Residual Income |  |  | 10.82989% | Total verified monthly income equals $138,026.95, monthly PITIA equals $11,339.01 and all other debts equal $8,817.34. Residual income is $X | Initial |
|  | 5QZHJNKV0II |  |  | Residual Income |  |  | 3.23691% | Total verified monthly income equals $4,764.90, monthly PITIA equals $1,963.92 and all other debts equal $24.00 Residual income is $X | Initial |
|  | BPCJSXEERTN |  |  | Residual Income |  |  | 12.50281% | Total verified monthly income equals $27,910.38, monthly PITIA equals $6,771.18 and all other debts equal $3,335.00. Residual income is $X | Initial |
|  | SCPBPZGUPKC |  |  | Residual Income |  |  | 4.12053% | Total verified monthly income equals $7,543.93, monthly PITIA equals $2,054.49 and all other debts equal $1,075.00. Residual income is $X | Initial |
|  | ICCR023OIM4 |  |  | Residual Income |  |  | 7.49609% | Total verified monthly income equals $14,979.18, monthly PITIA equals $3,026.55 and all other debts equal $3,783.26. Residual income is $X | Initial |
|  | AE4VL3R23PI |  |  | Residual Income |  |  | 7.82612% | Total verified monthly income equals $19,910.00, monthly PITIA equals $3,588.72 and all other debts equal $6,638.72. Residual income is $X | Initial |
|  | Q0NFIIAQ15N |  |  | Residual Income |  |  | 66.84557% | Total verified monthly income equals 5,938.14, monthly PITIA equals $0.00 and all other debts equal $150.00. Residual income is $X | Initial |
|  | NCHBXWGM22W |  |  | Residual Income |  |  | -18.85864% | Total verified monthly income equals $39,393.43, monthly PITIA equals $6,312.12 and all other debts equal $3,634.00. Residual income is $X | Initial |
|  | XWB5BOKMRY0 |  |  | Residual Income |  |  | 6.21553% | Total verified monthly income equals $20,079.46, monthly PITIA equals $6,317.05 and all other debts equal $985.00. Residual income is $X | Initial |
|  | EYUC1NB5VTY |  |  | Property City |  |  |  | The Note dated XX/XX/XXXX reflects Property City as XXXX | Initial |
|  | EYUC1NB5VTY |  |  | Property Postal Code |  |  |  | The Note dated XX/XX/XXXX reflects Property Postal Code as XXXX. | Initial |
|  | 133NEVCMNTQ |  |  | Residual Income |  |  | -11.07247% | Total verified monthly income equals $XXXX, monthly PITIA equals $2,438.07 and all other debts equal $15,086. Residual income is $X | Initial |
|  | V5WJEZVDLQP |  |  | Residual Income |  |  | 10.32482% | Total verified monthly income equals $XXXX, monthly PITIA equals $28,874.68 and all other debts equal $3,524.00. Residual income is $X | Initial |
|  | JYKXTYOCTQR |  |  | Residual Income |  |  | 4.14607% | Total verified monthly income equals $19,647.36, monthly PITIA equals $3,158.45 and all other debts equal $1,860.00. Residual income is $ X | Initial |
|  | 0WQGCOK3E4O |  |  | Original Appraised Value |  |  |  | The Appraisal dated XX/XX/XXXX reflects the Original Appraised value as $XXXX | Initial |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 4**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| ASF Loan Number | **Infinity Loan ID** | **Loan Number** | **Loan Number 2** | **Borrower Name** | **State** | **QM/ATR Status** | **Initial Overall Loan Grade** | **Final Overall Grade** | **Final Credit Grade** | **Final Property Grade** | **Final Compliance Grade** | **Material (level 3) TRID exception?** | **Material (level 3) Non-TRID exception?** | **Active Material Exceptions** | **Active Non Material Exceptions** | **Satisfied Exceptions** | **Waived Exceptions** | **Compensating Factors** | **Property Type** | **Note Date** | **LTV** | **CLTV** | **Occupancy** | **Purpose** | **Credit Score** | **Brwr 1 Yrs in Property** | **Brwr 1 Occupation** | **Brwr 1 Yrs on Job** | **Total Monthly Income** | **Mortgage History** | **Cash Out Amount** | **DTI** | **FTHB Flag** | **Loan Doc Type** | **Loan Status** | **Review Date** |
|  | AIHOARUULR2 |  |  |  | New Jersey | Non-QM/Compliant | 3 | 2 | 1 | 1 | 2 | No | No |  |  | \*\*\* (Cured) TRID Violations - EV C<br> COMMENT: TRID Violation due to Credit report fee increase on Initial CD 06/XX/2025.LE dated 04/XX/2025 reflects Credit report fee $300.00, however, Final CD dated 06/XX/2025 reflects the Credit report fee at $365.00.This is a fee increase of $65.00 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees, Provide a copy of COC or cure.<br>Cured 06/XX/2025: Received PCCD and Cure letter of explanation dated 06/XX/2025 and exception is cleared. |  |  | Single Family |  | 80.000% | 80.000% | Primary | Purchase | 725 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 49.049% | No | Alternative | QC Complete | 10/24/2025 |
|  | LO0ZLIUR00V |  |  |  | New York | Non-QM/Compliant | 3 | 2 | 1 | 1 | 2 | No | No |  |  | \*\*\* (Cured) TRID Violations - EV C<br> COMMENT: TRID violation due to credit report fee increase on Final CD dated 06/XX/2025. Initial LE dated 05/XX/2025 reflects credit report fee as $100.00 however, Final CD dated 06/XX/2025 reflects the credit report fee as $119.49. Require PCCD/COC to cure the tolerance violation of $19.49.<br>Cured 07/XX/2025: Received PCCD and Cure letter of explanation dated 07/XX/2025 and exception is cleared. |  |  | Single Family |  | 75.000% | 75.000% | Primary | Purchase | 811 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 42.556% | No | Alternative | QC Complete | 10/24/2025 |
|  | NC0PGLAZCTN |  |  |  | Florida | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Assets are not sufficient to close - EV R<br> COMMENT: Provide a document meet the asset requirement which is not sufficient to cover $12,277.92 (Cash from borrower: $XXXX Total Assets verified : $15.965.90 Shortage Assets -$12,277.92)<br>Resolve-07/XX/2025- The borrower assets are sufficient to cover both the cash-to-close and reserve requirements.(Verified Asset: XXXX, $45,117.40 (includes net sale proceeds of $35,726.01). Cash from Borrower:XXXX Reserve Requirement: $6,335.01, Total Required: $34,578.83, Remaining Funds After Obligations: $45,117.40 - $34,578.83 = $10,538.5.<br>\*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 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.<br>Higher-Priced Mortgage Loan Test: Charged 9.436% Allowed 8.240% Overby +1.196%<br>This loan is compliant with regulation 1026.35. |  |  | Low Rise Condo (1-4 Stories) |  | 85.000% | 85.000% | Primary | Purchase | 728 |  | Contractor |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 26.019% | No | Alternative | QC Complete | 06/13/2025 |
|  | 3Y4N5XVVYOQ |  |  |  | Alaska | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 67.045% | 67.045% | Investor | Cash Out | 726 |  | Physician |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 6.863% |  | Alternative | QC Complete | 10/24/2025 |
|  | BSNMB5LMQ1Y |  |  |  | North Carolina | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 40.000% | 40.000% | Primary | Refinance | 706 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 44.547% |  | Alternative | QC Complete | 08/04/2025 |
|  | Q330QSURQSQ |  |  |  | Texas | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide operating agreement for XXXX as it is missing.<br>Resolved 07/XX/2025 - Received CPA letter and LLC formation certificate received, condition resolved. |  |  | PUD |  | 75.000% | 75.000% | Investor | Purchase | 719 |  | Engagement Manager |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type:Credit Report |  | 34.134% | No | Full Documentation | QC Complete | 10/23/2025 |
|  | YBHE3P0PUDK |  |  |  | Texas | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: This is the first Smart Products submission, and the 15-day delivery rule was unknown to the originator. A note has been made to ensure future compliance.<br>A copy of an exception approval letter is available in the loan file. | FICO: 803 FICO exceeds the guideline requirement of 720.<br>Reserves: The 25 months of available reserves are more than the guideline requirement of 9 months. | Single Family |  | 75.000% | 75.000% | Investor | Purchase | 803 |  | Finance Plnq Manaqer |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 47.049% | No | Full Documentation | QC Complete | 07/22/2025 |
|  | KKOEXPUOPJ3 |  |  |  | Colorado | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 37.906% | 37.906% | Primary | Refinance | 782 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type:Credit Report |  | 32.878% |  | Full Documentation | QC Complete | 07/22/2025 |
|  | I1MMKIHEQ2U |  |  |  | North Carolina | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of income documents for the borrower (XXXX) as it is missing.<br>Resolved 07/XX/2025: Resolved, as the loan falls under the asset qualifier program and the assets were used to calculate income. |  |  | PUD |  | 40.000% | 40.000% | Primary | Purchase | 782 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 21.445% | No | Alternative | QC Complete | 07/07/2025 |
|  | XK2H12HSURG |  |  |  | Massachusetts | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family |  | 70.000% | 70.000% | Investor | Cash Out | 777 |  | Firefighter |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 43.514% |  | Full Documentation | QC Complete | 07/03/2025 |
|  | LHZVSG5Z0LC |  |  |  | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 79.999% | 79.999% | Primary | Purchase | 736 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 19.840% | Yes | Alternative | QC Complete | 06/13/2025 |
|  | LODYAEQAL3L |  |  |  | Florida | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: First time investor min credit score is 680. Borrowers score is 669.<br>A copy of an exception approval letter is available in the loan file. | DSCR: 1.74 DSCR exceeds the guideline requirement of 1.15.<br>LTV: 60.00% LTV is less than the guideline requirement of 65.00%. | Single Family |  | 60.000% | 60.000% | Investor | Purchase | 669 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 07/03/2025 |
|  | TLETRZBYEBH |  |  |  | Michigan | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 65.694% | 65.694% | Primary | Refinance | 784 |  | President |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 31.117% |  | Full Documentation | QC Complete | 07/22/2025 |
|  | XZYBB1OA330 |  |  |  | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 85.000% | 85.000% | Investor | Purchase | 790 |  | Broker/Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 42.645% | No | Alternative | QC Complete | 06/19/2025 |
|  | PSKQCLXGXW5 |  |  |  | Alabama | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | High Rise Condo (>=9 Stories) |  | 75.000% | 75.000% | Investor | Purchase | 813 |  | Retired |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 07/07/2025 |
|  | XZMXTLWPKE2 |  |  |  | Minnesota | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Max LTV is 75%. Requesting LTV of 80%. Appraisals have been reviewed by CRT as acceptable. Using the lower valued appraisal of $XXXX<br>A copy of an exception approval letter is available in the loan file. | FICO: 789 FICO exceeds the guideline requirement of 700.<br>Reserves: The 108 months of available reserves are more than the guideline requirement of 9 months.<br>| Single Family |  | 80.000% | 80.000% | Primary | Refinance | 789 |  | CEO & Founder |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 30.151% |  | Full Documentation | QC Complete | 07/08/2025 |
|  | TEVGUOE0DXM |  |  |  | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) |  | 75.000% | 75.000% | Investor | Purchase | 761 |  | VP & General Manager |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 44.172% | No | Full Documentation | QC Complete | 10/24/2025 |
|  | UVCZLVE5Q1O |  |  |  | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide updated supplemental report with amount of title insurance covering the loan amount $XXXX<br>Resolved 07/XX/2025 - Received title supplement report, condition resolved. |  |  | 3 Family |  | 69.440% | 69.440% | Investor | Refinance | 764 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type:Credit Report |  | 27.588% |  | Full Documentation | QC Complete | 07/07/2025 |
|  | 554OYWLTLC0 |  |  |  | Indiana | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 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.<br>Higher-Priced Mortgage Loan Test: Charged 8.930% Allowed 8.300% Overby +0.630%<br>This loan is compliant with regulation 1026.35. |  |  | PUD |  | 80.000% | 80.000% | Primary | Purchase | 678 |  | Managing Member |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 15.670% | No | Alternative | QC Complete | 07/07/2025 |
|  | 3QP0B3QEBMH |  |  |  | Texas | Not Covered/Exempt | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Subject property is located in a FEMA designated disaster area (recent). - EV R<br> COMMENT: Property is located in FEMA disaster zone (XXXX starting from XXX and continuing. Please provide a Post Disaster Inspection report.<br>Resolved 07/XX/2025 - Received Post disaster inspection report, condition resolved. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Required DSCR on cashout is 1.15 Actual is 1.004.<br>A copy of an exception approval letter is available in the loan file. | LTV: 46.97% LTV is less than the guideline requirement of 60.00%.<br>FICO: 690 FICO exceeds the guideline requirement of 680. | Low Rise Condo (1-4 Stories) |  | 46.970% | 46.970% | Investor | Cash Out | 690 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 07/18/2025 |
|  | APF12UDPD3E |  |  |  | Delaware | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 71.732% | 71.732% | Secondary | Refinance | 799 |  | Partner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 32.404% |  | Full Documentation | QC Complete | 08/15/2025 |
|  | RW3S5PKER05 |  |  |  | Colorado | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of Condo Questionnaire.<br>Resolved 07/XX/2025 - Received condo questionnaire, condition resolved. |  |  | Low Rise Condo (1-4 Stories) |  | 75.000% | 75.000% | Secondary | Purchase | 791 |  | VP Of Marketing |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 39.741% | No | Full Documentation | QC Complete | 07/18/2025 |
|  | S3CKJJSBNAR |  |  |  | North Carolina | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 79.996% | 79.996% | Primary | Purchase | 784 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 25.015% | Yes | Alternative | QC Complete | 10/24/2025 |
|  | VQXDR2D3C5Q |  |  |  | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family |  | 80.000% | 80.000% | Primary | Purchase | 797 |  | OWNER |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 27.043% | Yes | Alternative | QC Complete | 07/18/2025 |
|  | V2RFHTTUAW4 |  |  |  | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 85.000% | 85.000% | Investor | Purchase | 790 |  | Broker/Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 37.493% | No | Alternative | QC Complete | 07/07/2025 |
|  | GTHXRMJHRVL |  |  |  | New Jersey | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Appraisal report has variance of 10.44%, missing additional appraisal report to support the valuation.<br>Resolved 07/XX/2025: The copy of CDA resolves the condition. |  |  | 2 Family |  | 80.000% | 80.000% | Primary | Purchase | 801 |  | Head of Institutional Fundraising |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 45.327% | No | Full Documentation | QC Complete | 07/07/2025 |
|  | N3K1D4DU4UN |  |  |  | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 65.000% | 65.000% | Primary | Purchase | 761 |  | Accounting Manager |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 44.951% | No | Full Documentation | QC Complete | 07/08/2025 |
|  | YDDKK51D4UH |  |  |  | New York | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of title insurance of $xx on the Title Commitment is less than the loan amount $XXXX<br>Resolved 08/XX/2025 - Received title policy, condition resolved.<br>\*\*\* (CURED) Hazard Insurance Coverage less than Loan Amount - EV R<br> COMMENT: Please provide a copy of the Replacement Cost Estimator, as the current dwelling coverage amount of $207,000.00 is insufficient to cover the loan amount of $XXXX<br>Not Resolved 08/XX/2025 - Required RCE document to cover the dwelling coverage amount, condition not resolved.<br>Resolved 08/XX/2025 - the copy of updated HOI with coverage of $XXXX resolves the condition. |  |  | Single Family |  | 80.000% | 80.000% | Primary | Purchase | 746 |  | Owner/Manager |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 42.403% | Yes | Alternative | QC Complete | 07/18/2025 |
|  | C05DYUUNNDX |  |  |  | Michigan | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 80.000% | 80.000% | Secondary | Purchase | 779 |  | Physician |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 34.835% | No | Full Documentation | QC Complete | 07/07/2025 |
|  | FFN02DI1OIR |  |  |  | North Carolina | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 70.000% | 70.000% | Primary | Purchase | 797 |  | Partner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 14.812% | No | Full Documentation | QC Complete | 07/21/2025 |
|  | 0TA5EU0GORN |  |  |  | Florida | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 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.<br>Higher-Priced Mortgage Loan Test: Charged 9.159% Allowed 8.380% Overby +0.779%<br>This loan is compliant with regulation 1026.35. |  |  | Low Rise Condo (1-4 Stories) |  | 90.000% | 90.000% | Primary | Purchase | 741 |  | Server |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 43.839% | Yes | Full Documentation | QC Complete | 07/07/2025 |
|  | CQ3TNRGPALW |  |  |  | New York | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Assets are not sufficient to close - EV R<br> COMMENT: Missing Settlement statement for pending net proceeds address : XXXX<br>07/XX/2025 Resolved: Resolved as the proceeds were not used for closing. |  |  | Single Family |  | 71.090% | 71.090% | Primary | Purchase | 807 |  | President |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 2.274% | No | Alternative | QC Complete | 07/07/2025 |
|  | IUXWWG24553 |  |  |  | Nebraska | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 80.000% | 80.000% | Primary | Purchase | 746 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 49.801% | No | Alternative | QC Complete | 07/21/2025 |
|  | BYQVQL4GJTU |  |  |  | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide updated supplemental report with amount of title insurance covering the loan amount $XXXX<br>Resolved 07/XX/2025 - Received title endorsement for $XXXX, condition resolved. |  |  | Single Family |  | 75.000% | 75.000% | Primary | Purchase | 796 |  | Director of PR and Event |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 41.404% | No | Full Documentation | QC Complete | 07/07/2025 |
|  | YCBK2QZAYTD |  |  |  | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 85.000% | 85.000% | Investor | Refinance | 762 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 39.931% |  | Alternative | QC Complete | 08/15/2025 |
|  | 0IU4KD231FF |  |  |  | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 75.000% | 75.000% | Secondary | Purchase | 713 |  | Physical Therapist |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 34.542% | No | Alternative | QC Complete | 10/24/2025 |
|  | XD0PVC0YU3M |  |  |  | Colorado | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 75.000% | 75.000% | Secondary | Purchase | 777 |  | Principal |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 47.660% | No | Full Documentation | QC Complete | 07/21/2025 |
|  | 1UMUBASNGZ3 |  |  |  | North Carolina | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) |  | 72.727% | 72.727% | Investor | Purchase | 817 |  | Finance Administrative AS |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 26.701% | No | Full Documentation | QC Complete | 08/01/2025 |
|  | SLVFWBKECF3 |  |  |  | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 47.883% | 47.883% | Secondary | Purchase | 789 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 15.738% | No | Full Documentation | QC Complete | 07/21/2025 |
|  | QWD2NY3QY0Z |  |  |  | Colorado | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 51.613% | 51.613% | Primary | Purchase | 763 |  | Manager |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 25.941% | No | Full Documentation | QC Complete | 08/01/2025 |
|  | AOYEN5OE0HR |  |  |  | Tennessee | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Borrower Identity Missing - EV R<br> COMMENT: Provide a copy of borrower ID for the (XXXX) as it is missing.<br>Resolved 07/XX/2025 - Received GOV ID for both borrower and Co-borrower, condition resolved. |  |  | Mid Rise Condo (5-8 Stories) |  | 80.000% | 80.000% | Secondary | Purchase | 776 |  | Director of Outreach |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 24.076% | No | Full Documentation | QC Complete | 07/18/2025 |
|  | R43UGYID0WR |  |  |  | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of title insurance of $xx on the Title Commitment is less than the loan amount $XXXX.<br>Resolved 08/XX/2025 - Received Final title policy, condition resolved.<br>\*\*\* (CURED) Hazard Insurance Coverage less than Loan Amount - EV R<br> COMMENT: Provide a copy of Replacement cost estimate. Hazard insurance in the amount of $XXXX is not sufficient to cover the loan amount of $XXXX<br>Resolved 08/XX/2025 - Received RCE document, condition resolved. |  |  | 2 Family |  | 80.000% | 80.000% | Investor | Purchase | 748 |  | Law Enforcement Specialist |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 48.251% | No | Full Documentation | QC Complete | 07/18/2025 |
|  | QUESK2YR0OT |  |  |  | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) |  | 75.000% | 75.000% | Investor | Purchase | 790 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 36.073% | No | Full Documentation | QC Complete | 07/31/2025 |
|  | PAVB1Y0RPIL |  |  |  | New York | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family |  | 70.000% | 70.000% | Investor | Purchase | 765 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 08/14/2025 |
|  | 1XCQM0URLZS |  |  |  | North Carolina | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 79.636% | 79.636% | Secondary | Purchase | 800 |  | Scientist |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 33.886% | No | Full Documentation | QC Complete | 07/18/2025 |
|  | LGRZ4BZNBR3 |  |  |  | Pennsylvania | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 43.956% | 43.956% | Primary | Cash Out | 704 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 38.132% |  | Alternative | QC Complete | 08/14/2025 |
|  | UACFI5MHONV |  |  |  | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 80.000% | 80.000% | Primary | Purchase | 780 |  | President |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 44.923% | No | Full Documentation | QC Complete | 10/24/2025 |
|  | IOAM30KSUQJ |  |  |  | Washington | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 69.978% | 69.978% | Investor | Refinance | 749 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 10/24/2025 |
|  | TCWUQOINCV0 |  |  |  | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 71.823% | 71.823% | Investor | Cash Out | 775 |  | GSM |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 36.933% |  | Alternative | QC Complete | 07/21/2025 |
|  | HYFOCTM4NB1 |  |  |  | North Carolina | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Mid Rise Condo (5-8 Stories) |  | 80.000% | 80.000% | Investor | Purchase | 775 |  | NURSE PARCTITIONER |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 34.107% | No | Full Documentation | QC Complete | 08/14/2025 |
|  | QSIJULHV22T |  |  |  | New Jersey | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 60.000% | 60.000% | Secondary | Purchase | 753 |  | Vice President |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 35.858% | No | Full Documentation | QC Complete | 07/18/2025 |
|  | 2WMYYKZRKZL |  |  |  | Georgia | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 80.000% | 80.000% | Primary | Purchase | 800 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 07/22/2025 |
|  | QGCI5AT4XQQ |  |  |  | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Mid Rise Condo (5-8 Stories) |  | 80.000% | 80.000% | Investor | Purchase | 740 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 08/18/2025 |
|  | B040SGRAAKD |  |  |  | Utah | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 80.000% | 80.000% | Primary | Purchase | 809 |  | Financial Planner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 33.707% | No | Full Documentation | QC Complete | 08/01/2025 |
|  | 1GX2RI3KFKK |  |  |  | Wisconsin | Non-QM/Compliant | 4 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 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<br>Higher-Priced Mortgage Loan Test: Charged 9.317% Allowed 8.420% Overby +0.897%<br>This loan is compliant with regulation 1026.35. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Requesting an exception for 29 NSFs associated with XXXX. A letter of explanation from the borrower is available in the file. DTI was calculated including income from XXXX<br>A copy of an exception approval letter is available in the loan file. | LTV: 76.55% LTV is less than the guideline requirement of 80.00%<br>DTI: 17.48% DTI is less than the maximum guideline requirement of 50.00% | PUD |  | 76.552% | 76.552% | Primary | Refinance | 655 |  | Manager/Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 17.485% |  | Alternative | QC Complete | 08/18/2025 |
|  | T23FUJND32H |  |  |  | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 75.000% | 75.000% | Primary | Purchase | 804 |  | Partner/Attorney |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 42.919% | No | Full Documentation | QC Complete | 07/18/2025 |
|  | LWGGMUBZSUI |  |  |  | South Carolina | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | High Rise Condo (>=9 Stories) |  | 75.000% | 75.000% | Investor | Purchase | 783 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 08/15/2025 |
|  | M23IFZ4FMFM |  |  |  | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 80.000% | 80.000% | Secondary | Purchase | 797 |  | DOCTOR |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 21.062% | No | Full Documentation | QC Complete | 08/18/2025 |
|  | MJRCBQ2GB4H |  |  |  | Arizona | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) |  | 80.000% | 80.000% | Secondary | Purchase | 812 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 36.124% | No | Alternative | QC Complete | 08/18/2025 |
|  | QEOC2FT0VHH |  |  |  | Colorado | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 66.548% | 66.548% | Primary | Cash Out | 709 |  | Project Managment |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 44.647% |  | Full Documentation | QC Complete | 08/15/2025 |
|  | 3IUQCTAMMA2 |  |  |  | Texas | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Borrower Identity Missing - EV R<br> COMMENT: Provide the borrower's Government ID as it is missing in the loan package.<br>Resolved 08/XX/2025 - Received USA Patriot Act, condition resolved. |  |  | PUD |  | 73.890% | 73.890% | Secondary | Purchase | 797 |  | Real Estate Agent |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 14.603% | No | Full Documentation | QC Complete | 08/04/2025 |
|  | J3TBM2ZTDD1 |  |  |  | South Carolina | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Mid Rise Condo (5-8 Stories) |  | 70.000% | 70.000% | Investor | Cash Out | 814 |  | Employee |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 08/15/2025 |
|  | S4H5WYYB5LS |  |  |  | Washington | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Guidelines require residual income of $2,000.00 for one individual. Borrower has $1,700.00.<br>A copy of an exception approval letter is available in the loan file. | FICO: 790 FICO exceeds the guideline requirement of 720.<br>LTV: 31.25% LTV is less than the guideline requirement of 90.00%. | Low Rise Condo (1-4 Stories) |  | 31.250% | 31.250% | Primary | Purchase | 790 |  | Retired |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 46.930% | Yes | Alternative | QC Complete | 08/18/2025 |
|  | 4BGMMH4Z2VY |  |  |  | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 80.000% | 80.000% | Investor | Purchase | 802 |  | Customer Services |  |  | Mos Reviewed:24<br> Times 1X30:1<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:1<br> Max Days Dlq Last 12 Mos:1<br> Verification Type:Credit Report |  | 38.104% | No | Full Documentation | QC Complete | 08/15/2025 |
|  | 05BRRHT0D2K |  |  |  | Ohio | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 75.000% | 75.000% | Investor | Cash Out | 760 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type: |  |  |  | Alternative | QC Complete | 07/15/2025 |
|  | E1LCJPK1I5Q |  |  |  | Washington | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 62.121% | 62.121% | Primary | Purchase | 749 |  | LC III |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 39.008% | No | Full Documentation | QC Complete | 07/15/2025 |
|  | IOHNNXMRNCF |  |  |  | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 57.143% | 57.143% | Primary | Purchase | 800 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 42.791% | No | Alternative | QC Complete | 10/24/2025 |
|  | 45I5I3GGYJO |  |  |  | Georgia | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 75.000% | 75.000% | Primary | Purchase | 782 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 49.349% | No | Alternative | QC Complete | 08/18/2025 |
|  | IA1OWN4G11M |  |  |  | Delaware | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 73.529% | 73.529% | Investor | Cash Out | 788 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 0.000% |  | Alternative | QC Complete | 10/24/2025 |
|  | 4XATLZ5LPVZ |  |  |  | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 80.000% | 80.000% | Investor | Purchase | 731 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 06/17/2025 |
|  | NXI2OL2ZMAP |  |  |  | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | High Rise Condo (>=9 Stories) |  | 50.000% | 50.000% | Secondary | Purchase | 710 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 32.069% | No | Full Documentation | QC Complete | 08/12/2025 |
|  | VENOZNVSQIG |  |  |  | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide updated supplemental report with amount of title insurance covering the loan amount $XXXX<br>Resolved 08/XX/2025 - Received title insured amount, condition resolved. |  |  | PUD |  | 80.000% | 80.000% | Primary | Cash Out | 758 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: |  | 6.658% |  | Alternative | QC Complete | 08/18/2025 |
|  | CC5XMQ1D15J |  |  |  | Texas | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 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<br>Higher-Priced Mortgage Loan Test: Charged 9.202% Allowed 8.240% Overby +0.962%.<br>This loan is compliant with regulation 1026.35. |  |  | Single Family |  | 90.000% | 90.000% | Primary | Purchase | 752 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 36.491% | Yes | Alternative | QC Complete | 06/12/2025 |
|  | 4CWD54XPU5A |  |  |  | Florida | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Lender guidelines allow Business assets to be considered at 75%, Borrower used 100% of business assets towards closing costs and reserves.<br>A copy of an exception approval letter is available in the loan file. | FICO: 809 FICO exceeds the guideline requirement of 660.<br>LTV: 80.00% LTV is less than the guideline requirement of 90.00%.<br>DTI: 45.66% DTI is less than the maximum guideline requirement of 50.00%. | Single Family |  | 80.000% | 80.000% | Primary | Purchase | 809 |  | Attorney |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 45.658% | Yes | Alternative | QC Complete | 08/14/2024 |
|  | 3XOT3V0LTPX |  |  |  | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of title insurance of $xx on the Title Commitment is less than the loan amount $XXXX<br>Resolved 07/XX/2025 - Received title report with insured amount, condition resolved. |  |  | Single Family |  | 43.868% | 43.868% | Primary | Cash Out | 813 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 36.430% |  | Alternative | QC Complete | 07/01/2025 |
|  | JTYPN2QACRU |  |  |  | Florida | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Credit history does not meet guidelines - EV W<br> COMMENT: Credit history does not meet guideline. FTHB Living rent free for the past 29 years.<br>A copy of an exception approval letter is available in the loan file.<br>\*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: FTHB Purchasing an investment property while living rent free not permitted as per the guideline.<br>A copy of an exception approval letter is available in the loan file. | LTV: 57.89% LTV is less than the guideline requirement of 85.00%.<br>FICO: 790 FICO exceeds the guideline requirement of 640.<br>DTI: 17.86% DTI is less than the maximum guideline requirement of 50.00%.<br>LTV: 57.89% LTV is less than the guideline requirement of 85.00%.<br>FICO: 790 FICO exceeds the guideline requirement of 640.<br>DTI: 17.86% DTI is less than the maximum guideline requirement of 50.00%. | Low Rise Condo (1-4 Stories) |  | 57.895% | 57.895% | Investor | Purchase | 790 |  | Owner / CEO |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 17.860% | No | Full Documentation | QC Complete | 07/21/2025 |
|  | STZCYXKW0WM |  |  |  | Washington | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Missing proof of hazard insurance - EV R<br> COMMENT: Provide a copy of Hazard Insurance as it is missing.<br>Resolved 08/XX/2025 - Received master policy and no HOI premium , condition resolved. |  |  | Mid Rise Condo (5-8 Stories) |  | 80.000% | 80.000% | Primary | Purchase | 700 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 10/24/2025 |
|  | UFYLBCD3LRL |  |  |  | North Carolina | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 75.000% | 75.000% | Investor | Purchase | 752 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 08/19/2025 |
|  | PXFQEIRUWWR |  |  |  | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 16.749% | 16.749% | Primary | Cash Out | 773 |  | Owner/Plumber |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 35.375% |  | Alternative | QC Complete | 06/23/2025 |
|  | 30KDMJAGFS2 |  |  |  | Ohio | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 85.000% | 85.000% | Investor | Purchase | 768 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 08/12/2025 |
|  | XFAI1BENLOK |  |  |  | Washington | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 59.167% | 59.167% | Primary | Refinance | 804 |  | Abstractor RN |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 33.055% |  | Full Documentation | QC Complete | 08/18/2025 |
|  | JCTL4V4R4GH |  |  |  | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) |  | 70.000% | 70.000% | Primary | Purchase | 765 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type:Credit Report |  | 18.775% | No | Alternative | QC Complete | 10/24/2025 |
|  | UAGN0RI25A2 |  |  |  | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 4 Family |  | 67.442% | 67.442% | Investor | Refinance | 739 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 10/24/2025 |
|  | 3R4BZUUU03V |  |  |  | Texas | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 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.<br>Higher-Priced Mortgage Loan Test: Charged 8.344% Allowed 8.290% Overby +0.054%.<br>This loan is compliant with regulation 1026.35. |  |  | Single Family |  | 75.000% | 75.000% | Primary | Cash Out | 692 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 25.032% |  | Alternative | QC Complete | 08/20/2025 |
|  | 4DA4B5LOVHC |  |  |  | New Jersey | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) |  | 75.000% | 75.000% | Investor | Purchase | 776 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 08/20/2025 |
|  | UJGAT4Q4C1V |  |  |  | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) |  | 85.000% | 85.000% | Investor | Purchase | 771 |  | Principal |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 45.751% | No | Full Documentation | QC Complete | 06/18/2025 |
|  | O1D4AJFSR2H |  |  |  | Florida | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Borrow EAD Category C09 which is acceptable as per the guidelines.<br>A copy of an exception approval letter is available in the loan file. | DTI: 15.93% DTI is less than the maximum guideline requirement of 50.00%.<br>FICO: 735 FICO exceeds the guideline requirement of 720. | PUD |  | 90.000% | 90.000% | Primary | Purchase | 735 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 15.931% | Yes | Alternative | QC Complete | 10/23/2025 |
|  | 5YDBPCUKNB0 |  |  |  | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide business bank statements of XXXX for the month ending 3/XX/2025 as it is missing.<br>Resolved 08/XX/2025 - Received march month statement, condition resolved. |  |  | PUD |  | 75.000% | 75.000% | Primary | Refinance | 762 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 49.743% |  | Alternative | QC Complete | 07/31/2025 |
|  | DYEM2P4ODTY |  |  |  | Utah | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 80.000% | 80.000% | Primary | Purchase | 811 |  | Ovmer |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 27.425% | Yes | Alternative | QC Complete | 06/12/2025 |
|  | 5QZHJNKV0II |  |  |  | Nevada | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) |  | 75.000% | 75.000% | Primary | Cash Out | 757 |  | Food Clerk |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 41.720% |  | Full Documentation | QC Complete | 07/15/2025 |
|  | VNEOK0SBB4M |  |  |  | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) |  | 40.810% | 40.810% | Investor | Purchase | 789 |  | Vice-President/ Chief Financlal Officer |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 33.836% | No | Full Documentation | QC Complete | 08/19/2025 |
|  | M2KKFD3PFIY |  |  |  | Florida | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 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.<br>Higher-Priced Mortgage Loan Test: Charged 8.951% Allowed 8.250% Overby +0.701%<br>This loan is compliant with regulation 1026.35. |  |  | Single Family |  | 80.000% | 80.000% | Primary | Purchase | 688 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 44.490% | No | Alternative | QC Complete | 07/31/2025 |
|  | 0GHF5XN5DXZ |  |  |  | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) |  | 80.000% | 80.000% | Primary | Purchase | 800 |  | Clinical Contracts Manager |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 43.342% | Yes | Alternative | QC Complete | 07/29/2025 |
|  | S5FZGKSUGUG |  |  |  | Utah | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of Errors & Omission insurance policy as it is missing<br>Resolved 06/XX/2025 - Received E&O Policy, condition resolved. |  |  | Single Family |  | 80.000% | 80.000% | Primary | Purchase | 802 |  | CEO |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 39.874% | No | Alternative | QC Complete | 06/12/2025 |
|  | G0RCK33N5YQ |  |  |  | Oklahoma | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Missing Required Disclosures - EV R<br> COMMENT: Provide a copy of Error and Omission insurance policy, as it is missing.<br>Resolved 06/XX/2025 - Received E&O Policy, condition resolved. |  |  | PUD |  | 81.113% | 81.113% | Primary | Purchase | 702 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 24.837% | No | Alternative | QC Complete | 06/12/2025 |
|  | W0LW2WLKSY0 |  |  |  | Florida | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Hazard Insurance Coverage less than Loan Amount - EV R<br> COMMENT: Dwelling amount $XXXX is not sufficient to cover loan amount $XXXX. Provide a copy of replacement cost estimator or updated hazard insurance with sufficient dwelling.<br>Resolved 08/XX/2025 - Received RCE document with 100% coverage, condition resolved. |  |  | Single Family |  | 75.000% | 75.000% | Investor | Cash Out | 766 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 08/15/2025 |
|  | PK21VCXY2CS |  |  |  | Montana | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Missing Required Disclosures - EV R<br> COMMENT: Missing Settlement Service Provider List.<br>Resolved 06/XX/2025: Received Settlement Service Provider List dated 05/XX/2025 and exception is cleared.<br>\*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The $XXXX coverage amount on the title report is less than the mortgage loan amount of $XXXX<br>Resolved 06/XX/2025 - Received title report with insured amount, condition resolved. |  |  | Single Family |  | 80.000% | 80.000% | Primary | Cash Out | 720 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 43.502% |  | Alternative | QC Complete | 06/23/2025 |
|  | OLJU1ZO5OCY |  |  |  | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 80.000% | 80.000% | Investor | Purchase | 750 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 08/18/2025 |
|  | XMQF4EWZXBH |  |  |  | New York | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Assets do not meet guidelines - EV W<br> COMMENT: Requesting exception for NSF fees.<br>A copy of an exception approval letter is available in the loan file.<br>\*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Requesting SLE for Visa type of C09 moving to C08.<br>A copy of an exception approval letter is available in the loan file. | FICO: 708 FICO exceeds the guideline requirement of 700.<br>LTV: 80.00% LTV is less than the guideline requirement of 85.00%.<br>DTI: 20.46% DTI is less than the maximum guideline requirement of 50.00%.<br>FICO: 708 FICO exceeds the guideline requirement of 700.<br>LTV: 80.00% LTV is less than the guideline requirement of 85.00%.<br>DTI: 20.46% DTI is less than the maximum guideline requirement of 50.00%. | Single Family |  | 80.000% | 80.000% | Primary | Purchase | 708 |  | President |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 20.461% | Yes | Alternative | QC Complete | 07/08/2025 |
|  | TDRXAD01A2Q |  |  |  | Pennsylvania | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The $xx coverage amount on the title report is less than the mortgage loan amount of $XXXX<br>Resolved 07/XX/2025 - Received title report with insured amount, condition resolved. |  |  | Single Family |  | 80.000% | 80.000% | Primary | Cash Out | 707 |  | Insurance Broker |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 14.930% |  | Alternative | QC Complete | 07/07/2025 |
|  | SDPOEIULULO |  |  |  | Minnesota | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family |  | 75.000% | 75.000% | Investor | Purchase | 777 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 07/21/2025 |
|  | 1KIRSOOCWIV |  |  |  | Colorado | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 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.<br>Higher-Priced Mortgage Loan Test: Charged 8.997% Allowed 8.170% Overby +0.827%. <br>This loan is compliant with regulation 1026.35. |  |  | Single Family |  | 90.000% | 90.000% | Primary | Purchase | 732 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 49.247% | No | Alternative | QC Complete | 07/15/2025 |
|  | YYOHJRBU5CJ |  |  |  | New York | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family |  | 75.000% | 75.000% | Investor | Purchase | 748 |  | Partner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 14.701% | No | Alternative | QC Complete | 07/30/2025 |
|  | LI1INBKWQCQ |  |  |  | Indiana | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 73.514% | 73.514% | Primary | Cash Out | 710 |  | Supervisor |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 33.031% |  | Full Documentation | QC Complete | 08/01/2025 |
|  | WDVC3BLBEVD |  |  |  | Kansas | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: Provide hazard Insurance for subject property (XXXX with Correct Mortgagee Clause and coverage amount to match loan amount or show 100% replacement cost.<br>Resolved 07/XX/2025 - Received hazard insurance with mortgage clause, condition resolved. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: As per guideline max xx acer allowed. However, Appraisal reflects XXXX acres, it is not acceptable.<br>A copy of an exception approval letter is available in the loan file. | FICO: 781 FICO exceeds the guideline requirement of 640<br>DTI: 31.78% DTI is less than the maximum guideline requirement of 50.00%.<br>Reserves: The 86 months of available reserves are more than the guideline requirement of 6 months.<br>| Single Family |  | 75.000% | 75.000% | Primary | Purchase | 781 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 30.710% | No | Alternative | QC Complete | 10/23/2025 |
|  | BLQNTKIE21G |  |  |  | Florida | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 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.<br>Higher-Priced Mortgage Loan Test: Charged 8.629% Allowed 8.170% Overby +0.459%.<br>This loan is compliant with regulation 1026.35. |  |  | Single Family |  | 90.000% | 90.000% | Primary | Purchase | 738 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 41.182% | Yes | Alternative | QC Complete | 08/19/2025 |
|  | WKP1VCA1JS0 |  |  |  | Missouri | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family |  | 75.000% | 75.000% | Investor | Refinance | 776 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 07/30/2025 |
|  | SPU0P0XMOTM |  |  |  | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 70.000% | 70.000% | Primary | Purchase | 751 |  | Commercial Associate |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 44.931% | Yes | Full Documentation | QC Complete | 06/16/2025 |
|  | SC15X1OMEKU |  |  |  | Florida | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Allow the use of 100% of business assets that are being used also for income. Borrower is 100% owner of XXXX. With the allowance to use 100% of the assets, borrower will have sufficient assets to cover cash to close and 3 months subject PITIA reserves.<br>A copy of an exception approval letter is available in the loan file. | DTI: 8.77% DTI is less than the maximum guideline requirement of 50.00%.<br>Reserves: The 15 months of available reserves are more than the guideline requirement of 3 months. | Single Family |  | 90.000% | 90.000% | Primary | Purchase | 739 |  | Vice President |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 8.771% | No | Alternative | QC Complete | 10/23/2025 |
|  | CTXNYFLHMBY |  |  |  | Ohio | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 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.<br>Higher-Priced Mortgage Loan Test: Charged 9.052% Allowed 8.250% Overby +0.802%<br>This loan is compliant with regulation 1026.35. |  |  | Single Family |  | 85.000% | 85.000% | Primary | Purchase | 710 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 9.878% | Yes | Alternative | QC Complete | 08/15/2025 |
|  | 4SE3XDPHOYL |  |  |  | Hawaii | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide updated supplemental report with amount of title insurance covering the loan amount $XXXX<br>Resolved 07/XX/2025 - Received final title policy, condition resolved. |  |  | PUD |  | 31.271% | 31.271% | Investor | Purchase | 801 |  |  |  |  | Mos Reviewed:12<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Verification of Rent |  |  | No | Alternative | QC Complete | 07/01/2025 |
|  | XITAUOUTLKA |  |  |  | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | High Rise Condo (>=9 Stories) |  | 75.000% | 75.000% | Investor | Purchase | 769 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 10/24/2025 |
|  | LEBXW4O0M01 |  |  |  | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 80.000% | 80.000% | Primary | Cash Out | 711 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 48.680% |  | Alternative | QC Complete | 07/08/2025 |
|  | N4WP1AHNKEX |  |  |  | South Carolina | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) ComplianceEase TRID Tolerance Test Failed - EV R<br> COMMENT: Missing Settlement Service Provider List.<br>Title- Search Fee added and Fees are increased more than 10% in Final CD.<br>Resolved 08/XX/2025: Received Settlement Service Provider List dated 07/XX/2025 and exception is cleared.<br>\*\*\* (CURED) Intent to Proceed Missing - EV R<br> COMMENT: Missing Intent To Proceed.<br>Resolved 08/XX/2025: Received Intent to Proceed dated 07/XX/2025 and exception is cleared. |  |  | PUD |  | 65.753% | 65.753% | Secondary | Purchase | 745 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 08/13/2025 |
|  | VTGTHCIOJ2F |  |  |  | Washington | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) |  | 80.000% | 80.000% | Primary | Purchase | 759 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 36.842% | Yes | Alternative | QC Complete | 08/13/2025 |
|  | RMS3E2NXG3U |  |  |  | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 79.988% | 79.988% | Primary | Refinance | 712 |  | Operations |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 18.643% |  | Alternative | QC Complete | 07/01/2025 |
|  | 4E1M4O2RFLI |  |  |  | Utah | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 63.802% | 63.802% | Secondary | Cash Out | 715 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 48.364% |  | Full Documentation | QC Complete | 07/02/2025 |
|  | BPCJSXEERTN |  |  |  | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 50.050% | 50.050% | Primary | Purchase | 734 |  | President |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 36.209% | No | Alternative | QC Complete | 07/21/2025 |
|  | ZNFZBQI1Q2X |  |  |  | Florida | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 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.<br>Higher-Priced Mortgage Loan Test: Charged 8.968% Allowed 8.250% Overby +0.718%<br>This loan is compliant with regulation 1026.35. |  |  | Single Family |  | 85.000% | 85.000% | Primary | Purchase | 703 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 5.890% | Yes | Alternative | QC Complete | 08/18/2025 |
|  | VQF15OHHWTW |  |  |  | Georgia | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 72.899% | 72.899% | Primary | Cash Out | 714 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 16.366% |  | Alternative | QC Complete | 06/18/2025 |
|  | V3RKQPOTKE0 |  |  |  | California | Not Covered/Exempt | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Assets Verification - EV R<br> COMMENT: Authorization letter from XXXX for access to XXXXand XXXX required.<br>Resolved 06/XX/2025 - Received LOE as " These are joint personal statements with the borrower listed as an owner of accounts. No access letter is required on this product", condition resolved.<br>\*\*\* (CURED) Property Type unacceptable under guidelines - EV R<br> COMMENT: The final 1003 shows the subject property is classified as mixed-use. Per program guidelines, mixed-use properties are ineligible. Provide documentation to support an exception, if applicable.<br>Resolved 06/XX/2025 - Received LOX from client as " Appraisal shows Highest and best use is single family residence within subjects marketing area ", condition resolved. |  |  | Single Family |  | 80.000% | 80.000% | Investor | Purchase | 727 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 06/12/2025 |
|  | LZLGCMCFZ0N |  |  |  | Tennessee | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Mid Rise Condo (5-8 Stories) |  | 85.000% | 85.000% | Investor | Purchase | 739 |  | Cybersecurity Specialist |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 29.527% | No | Full Documentation | QC Complete | 06/18/2025 |
|  | 0M2NK0SKVYA |  |  |  | Connecticut | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) |  | 70.000% | 70.000% | Primary | Purchase | 775 |  | Managing Director |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 22.288% | No | Alternative | QC Complete | 08/13/2025 |
|  | QHUN05VV4T1 |  |  |  | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) |  | 71.852% | 71.852% | Investor | Purchase | 802 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 07/22/2025 |
|  | SCPBPZGUPKC |  |  |  | Colorado | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Hazard Insurance Coverage less than Loan Amount - EV R<br> COMMENT: Amount of hazard insurance $130,000.00 is not sufficient to cover the loan amount XXXX<br>Resolved 06/XX/2025 - Received LOE from client, condition resolved. |  |  | Low Rise Condo (1-4 Stories) |  | 59.459% | 59.459% | Primary | Purchase | 811 |  |  |  |  | Mos Reviewed:50<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 41.484% | No | Alternative | QC Complete | 06/12/2025 |
|  | TNYZ4HUG0VI |  |  |  | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 78.788% | 78.788% | Primary | Cash Out | 817 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 48.832% |  | Alternative | QC Complete | 07/31/2025 |
|  | 52LMDVYL0FV |  |  |  | California | Non-QM/Compliant | 4 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 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.<br>Higher-Priced Mortgage Loan Test Charged 8.887% Allowed 8.380% Overby +0.507%<br>This loan is compliant with regulation 1026.35.<br>\*\*\* (CURED) State Higher Price Mortgage Loan - EV R<br> COMMENT: CA AB 260, California 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 California Financial Code.<br>CA AB 260 Higher-Priced Mortgage Loan Test Charged 8.887% Allowed 8.380% Overby +0.507%<br>This loan is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Fico score of 718 does not meet the guideline for minimum requirement of fico score at 720.<br>A copy of an exception approval letter is available in the loan file. | DTI: 18.91% DTI is less than the maximum guideline requirement of 50.00%.<br>Reserves: The 24 months of available reserves are more than the guideline requirement of 7 months. | PUD |  | 90.000% | 90.000% | Primary | Purchase | 718 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:30<br> Verification Type:Credit Report |  | 18.914% | No | Alternative | QC Complete | 07/07/2025 |
|  | FNMJ4V4OWCU |  |  |  | Indiana | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: LoanScorecard Findings and 1008 reflects loan amount as "XXXX". However, Note reflects loan amount as XXXX. Provide updated LoanScorecard Findings and 1008.<br>Resolved 06/XX/2025 - Received corrected loan scorecard and 1008, condition resolved. |  |  | 4 Family |  | 80.000% | 80.000% | Investor | Purchase | 800 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 06/12/2025 |
|  | MJ2T40UXONR |  |  |  | New Jersey | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 17.606% | 17.606% | Primary | Cash Out | 710 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 45.278% |  | Alternative | QC Complete | 07/02/2025 |
|  | WWEASDPAIO1 |  |  |  | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 4 Family |  | 75.000% | 75.000% | Investor | Cash Out | 762 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 08/01/2025 |
|  | 3A30NZVF0T3 |  |  |  | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family |  | 64.000% | 64.000% | Investor | Cash Out | 757 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 08/18/2025 |
|  | OZWW0D4101J |  |  |  | Connecticut | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 24.590% | 24.590% | Primary | Cash Out | 796 |  | Owner/Manager |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 29.860% |  | Alternative | QC Complete | 07/31/2025 |
|  | 2B1OBRRSYDI |  |  |  | California | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide updated supplemental report with amount of title insurance covering the loan amount $XXXX<br>Resolved 07/XX/2025 - Received Supplemental report, condition resolved.<br>\*\*\* (CURED) ComplianceEase TRID Tolerance Test is Incomplete - EV R<br> COMMENT: Missing Initial Closing Disclosure.<br>Resolved 07/XX/2025: Received Initial Closing Disclosure dated 06/XX/2025 and exception is cleared. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Borrower is requesting exception for FTHB living rent free.<br>A copy of an exception approval letter is available in the loan file. | FICO: 752 FICO exceeds the guideline requirement of 700.<br>DTI: 44.37% DTI is less than the maximum guideline requirement of 50.00%.<br>Reserves: The 38.71 months of available reserves are more than the guideline requirement of 3 months. | PUD |  | 80.000% | 80.000% | Primary | Purchase | 752 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 44.366% | Yes | Alternative | QC Complete | 07/15/2025 |
|  | XQVWPOHJIFK |  |  |  | Connecticut | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 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<br>Higher-Priced Mortgage Loan Test: Charged 8.427% Allowed 8.290%+ Overby 0.137%<br>This loan is compliant with regulation 1026.35.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of the bank statement for account #XXX for the month of June 2025.<br>Resolved 08/XX/2025 - Received bank statement for June month, condition resolved. |  |  | Single Family |  | 85.000% | 85.000% | Primary | Purchase | 740 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: |  | 30.925% | Yes | Alternative | QC Complete | 08/15/2025 |
|  | TTCDD2I2JHM |  |  |  | Maryland | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Mortgage Riders incomplete / inaccurate - EV R<br> COMMENT: Provide executed Licensee Information or Affidavit mortgage rider.<br>Resolved 07/XX/2025 - Received client response as licensee information & Affidavit mortgage rider is completed by lender not the borrower, condition resolved. |  |  | PUD |  | 70.000% | 70.000% | Investor | Purchase | 802 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 07/21/2025 |
|  | F0Z5EZ2MRNB |  |  |  | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) |  | 45.000% | 45.000% | Primary | Purchase | 736 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 9.851% | No | Alternative | QC Complete | 08/15/2025 |
|  | WIEDJQIMK5A |  |  |  | North Carolina | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 75.000% | 75.000% | Investor | Cash Out | 791 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 07/22/2025 |
|  | F5FUWXAEIRQ |  |  |  | Connecticut | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 80.000% | 80.000% | Primary | Cash Out | 767 |  | Owner |  |  | Mos Reviewed:20<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 33.397% |  | Alternative | QC Complete | 06/13/2025 |
|  | RARIZVZTK1P |  |  |  | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 80.000% | 80.000% | Investor | Purchase | 736 |  |  |  |  | Mos Reviewed:12<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Verification of Rent |  |  | No | Alternative | QC Complete | 07/31/2025 |
|  | SAOZ1TFOILM |  |  |  | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 80.000% | 80.000% | Investor | Purchase | 762 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 07/02/2025 |
|  | QA0FTGQIJYW |  |  |  | Nebraska | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 70.000% | 70.000% | Primary | Cash Out | 730 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 25.195% |  | Alternative | QC Complete | 08/18/2025 |
|  | SZYZKBUAF3K |  |  |  | Texas | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Cash-out amount of $XXXX exceeds the $500,000 maximum limit and the loan-to-value (LTV) ratio is over 60% which exceeds the guidelines.<br>A copy of an exception approval letter is available in the loan file. | FICO: 781 FICO exceeds the guideline requirement of 700.<br>Residual Income : $18,478.25 monthly  | Single Family |  | 65.015% | 65.015% | Primary | Cash Out | 781 |  | President |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 43.034% |  | Alternative | QC Complete | 07/29/2025 |
|  | 0YEECDGPZ0J |  |  |  | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 80.000% | 80.000% | Primary | Purchase | 778 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 35.869% | Yes | Alternative | QC Complete | 08/19/2025 |
|  | ICCR023OIM4 |  |  |  | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 80.000% | 80.000% | Investor | Purchase | 760 |  | Sales |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 45.462% | No | Full Documentation | QC Complete | 08/13/2025 |
|  | GAOU3CD1RZM |  |  |  | North Carolina | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 80.000% | 80.000% | Primary | Purchase | 774 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Verification of Rent |  | 28.821% | Yes | Alternative | QC Complete | 07/17/2025 |
|  | A1Z1WLLZYG1 |  |  |  | Pennsylvania | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 48.182% | 48.182% | Primary | Cash Out | 760 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 42.928% |  | Alternative | QC Complete | 06/16/2025 |
|  | 0J3ZPL0ZKMU |  |  |  | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) |  | 17.094% | 17.094% | Primary | Purchase | 801 |  | Self Employed |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 20.001% | No | Alternative | QC Complete | 07/02/2025 |
|  | KLC5ROOJKWQ |  |  |  | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family |  | 60.000% | 60.000% | Primary | Cash Out | 780 |  | Manager |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 14.821% |  | Alternative | QC Complete | 08/19/2025 |
|  | KGIODYDUBWQ |  |  |  | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of title insurance of $XXXX on the Title Commitment is less than the loan amount $XXXX<br>Resolved 08/XX/2025 - Received title commitment with insured amount, condition resolved. |  |  | Single Family |  | 80.000% | 80.000% | Primary | Refinance | 723 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 17.084% |  | Alternative | QC Complete | 08/15/2025 |
|  | WL1WBTHMDVS |  |  |  | Virginia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) |  | 80.000% | 80.000% | Investor | Purchase | 748 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 07/16/2025 |
|  | DD022HXAGCA |  |  |  | Alaska | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family |  | 72.532% | 72.532% | Investor | Cash Out | 763 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 08/19/2025 |
|  | K1N15KRV2TI |  |  |  | New York | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family |  | 75.000% | 75.000% | Investor | Purchase | 795 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 07/31/2025 |
|  | 0QYHIBZTZUQ |  |  |  | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 80.000% | 80.000% | Investor | Purchase | 760 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 07/17/2025 |
|  | YAAZUI5Q4L3 |  |  |  | Texas | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 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.<br>Higher-Priced Mortgage Loan Test: Charged 9.047% Allowed 8.300% Overby +0.747%.<br>This loan is compliant with regulation 1026.35.<br>\*\*\* (CURED) Missing Required Disclosures - EV R<br> COMMENT: Provide a copy of E&O proof as it is missing.<br>Resolved on 06/XX/2025 : Received E&O insurance policy on the revised appraisal , condition resolved. |  |  | PUD |  | 80.000% | 80.000% | Primary | Purchase | 687 |  | Partner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 6.557% | Yes | Alternative | QC Complete | 06/10/2025 |
|  | 51SPVCFHREH |  |  |  | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 56.842% | 56.842% | Investor | Purchase | 740 |  | President |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 39.795% | No | Alternative | QC Complete | 06/23/2025 |
|  | 3FW5FSNW0S3 |  |  |  | Alabama | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 80.000% | 80.000% | Primary | Purchase | 686 |  | President |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: |  | 15.194% | Yes | Alternative | QC Complete | 08/18/2025 |
|  | GGWRAPBNIG1 |  |  |  | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 80.000% | 80.000% | Primary | Purchase | 771 |  | Driver |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 42.879% | Yes | Alternative | QC Complete | 07/30/2025 |
|  | WHXOJRAO2ZV |  |  |  | Arizona | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Loan does not conform to program guidelines - EV R<br> COMMENT: The maximum allowable cash-out per guidelines is $500,000 when the LTV exceeds 60%. However, the cash to the borrower is currently $XXXX<br>Resolved on 06/XX/2025 - Received confirmation from client delayed financing , condition resolved.<br>\*\*\* (CURED) Purpose does not meet eligibility requirement(s) - EV R<br> COMMENT: Cash out is not permitted on asset qualifier program.<br>Resolved on 06/XX/2025 - Received confirmation from client delayed financing , condition resolved. |  |  | PUD |  | 62.500% | 62.500% | Secondary | Cash Out | 798 |  | Retired |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 06/10/2025 |
|  | border-left:none; width:85pt'> |  |  | Georgia | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Prepayment Rider Missing - EV R<br> COMMENT: Missing Prepayment Rider.<br>Resolved 08/XX/2025 - Received prepayment rider, condition resolved. |  |  | Low Rise Condo (1-4 Stories) |  | 75.000% | 75.000% | Investor | Purchase | 731 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 08/15/2025 |  |
|  | ETDKZQT5LDM |  |  |  | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 70.000% | 70.000% | Primary | Purchase | 801 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 08/18/2025 |
|  | BTCA303LFWZ |  |  |  | North Carolina | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) |  | 80.000% | 80.000% | Primary | Purchase | 810 |  | IT Data Solutions |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Verification of Mortgage |  | 16.407% | Yes | Full Documentation | QC Complete | 07/09/2025 |
|  | 1HY3RGYI3RN |  |  |  | Minnesota | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 77.456% | 77.456% | Primary | Refinance | 788 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 27.268% |  | Alternative | QC Complete | 08/11/2025 |
|  | OMOT44F3DCD |  |  |  | Texas | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Assets are not sufficient to close - EV R<br> COMMENT: Provide the Seller Closing Disclosure (CD) or Settlement Statement reflecting the net proceeds for the property located at XXXX<br>08/XX/2025: The copy of Seller CD resolves the condition.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of taxes and insurance for property address XXXX<br>Resolved 08/XX/2025 - Received LOX as property not having any HOA or Tax info, condition resolved. |  |  | PUD |  | 59.907% | 59.907% | Primary | Purchase | 687 |  | CEO |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 15.840% | No | Alternative | QC Complete | 08/18/2025 |
|  | HOZ4OCVEI4E |  |  |  | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 80.000% | 80.000% | Primary | Purchase | 736 |  | Coo |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 44.312% | Yes | Alternative | QC Complete | 08/19/2025 |
|  | IJB5EKKEVYD |  |  |  | Nevada | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 78.667% | 78.667% | Investor | Purchase | 807 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 08/13/2025 |
|  | 3CVJCM0QSGQ |  |  |  | Utah | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Purchase Contract - EV R<br> COMMENT: The Final Closing Disclosure (CD), document 1008, and final approval indicate a purchase price of $XXXX. However, the Purchase Agreement, Appraisal, and Title Report reflect a purchase price of $xx. Please provide a Purchase Addendum reflecting the correct sale price.<br>Resolved 07/XX/2025 - Received purchase addendum with $XXXX sales price, condition resolved. |  |  | Single Family |  | 71.839% | 71.839% | Investor | Purchase | 747 |  | LLC Members (Owner) |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 21.582% | No | Alternative | QC Complete | 07/18/2025 |
|  | CI5UZX0TP04 |  |  |  | Texas | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 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.<br>Higher-Priced Mortgage Loan Test: Charged 9.025% Allowed 8.170% Overby +0.855%<br>This loan is compliant with regulation 1026.35. |  |  | PUD |  | 90.000% | 90.000% | Primary | Purchase | 751 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 35.448% | Yes | Alternative | QC Complete | 08/20/2025 |
|  | FWE1E4NPO5P |  |  |  | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family |  | 85.000% | 85.000% | Investor | Purchase | 724 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 08/20/2025 |
|  | Y4RLU1LRW2X |  |  |  | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 43.049% | 43.049% | Primary | Refinance | 761 |  | Owner |  |  | Mos Reviewed:15<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 28.327% |  | Alternative | QC Complete | 06/13/2025 |
|  | AE4VL3R23PI |  |  |  | North Carolina | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) DTI > 50% - EV W<br> COMMENT: As per guidelines Maximum DTI 50.00% allowed. Subject loan calculated DTI is 51.41% it is not acceptable <br>A copy of an exception approval letter is available in the loan file. | FICO: 725 FICO exceeds the guideline requirement of 660<br>LTV: 69.93% LTV is less than the guideline requirement of 80.00%. | PUD |  | 69.930% | 69.930% | Primary | Purchase | 725 |  | Auctioneer |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 51.368% | No | Full Documentation | QC Complete | 07/09/2025 |
|  | JAQURLG3CYD |  |  |  | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 80.000% | 80.000% | Investor | Purchase | 801 |  | Physician |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 33.190% | No | Alternative | QC Complete | 07/21/2025 |
|  | BBL41UU4F2Y |  |  |  | New Jersey | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family |  | 80.000% | 80.000% | Investor | Purchase | 779 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 08/20/2025 |
|  | OP2JJ1BIU3Z |  |  |  | California | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Intent to Proceed Missing - EV R<br> COMMENT: Missing Intent to Proceed.<br>Resolved 08/XX/2025: Received Intent to Proceed dated 06/XX/2025 and exception is cleared. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Borrower living rent free for 4 years.<br>A copy of an exception approval letter is available in the loan file. | FICO: 781 FICO exceeds the guideline requirement of 700.<br>LTV: 85.00% LTV is less than the guideline requirement of 90.00%.<br>DTI: 23.63% DTI is less than the maximum guideline requirement of 43.00%. | Single Family |  | 85.000% | 85.000% | Primary | Purchase | 781 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 23.633% | No | Alternative | QC Complete | 08/14/2025 |
|  | XPJEN1X3KZJ |  |  |  | Idaho | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of Bank statement for account XXXX for the month of Oct, Nov Dec(2024) to validate borrower income.<br>Resolved 07/XX/2025 - Received Bank statements, condition resolved. |  |  | PUD |  | 72.917% | 72.917% | Primary | Purchase | 716 |  | Sr.Advisor/President |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 37.948% | No | Alternative | QC Complete | 07/23/2025 |
|  | Q0NFIIAQ15N |  |  |  | Louisiana | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family |  | 75.000% | 75.000% | Investor | Cash Out | 736 |  | Mortgage Loan Originator |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 2.526% |  | Full Documentation | QC Complete | 07/21/2025 |
|  | 5EMIBWO3AN3 |  |  |  | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 75.000% | 75.000% | Investor | Purchase | 754 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 10/24/2025 |
|  | QHP10ZLBQOJ |  |  |  | Texas | Non-QM/Compliant | 4 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 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<br>Higher-Priced Mortgage Loan Test: Charged 9.851% Allowed 8.250% +Overby 1.601%<br>This loan is compliant with regulation 1026.35. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: C09 status for non-permanent resident alien.<br>A copy of an exception approval letter is available in the loan file. | FICO: 728 FICO exceeds the guideline requirement of 720.<br>Residual Income : $19,194.28 monthly <br>DTI: 39.39% DTI is less than the maximum guideline requirement of 50.00%. | Single Family |  | 90.000% | 90.000% | Primary | Purchase | 728 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 39.389% | No | Alternative | QC Complete | 08/15/2025 |
|  | C5014G5O55T |  |  |  | Oklahoma | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 80.000% | 80.000% | Investor | Refinance | 759 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 08/13/2025 |
|  | TTU4R31ZP4M |  |  |  | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 80.000% | 80.000% | Investor | Refinance | 736 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 07/02/2025 |
|  | FTUR1UTRSPI |  |  |  | Illinois | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide real estate appraisers error and omissions insurance policy, as it is missing.<br>Resolved 06/XX/2025 - Received E&O Policy, condition resolved. |  |  | Single Family |  | 85.000% | 85.000% | Investor | Purchase | 768 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 06/18/2025 |
|  | X23AV5LQOV2 |  |  |  | Pennsylvania | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 80.000% | 80.000% | Investor | Purchase | 745 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 07/18/2025 |
|  | EWHNEGTIE1V |  |  |  | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 80.000% | 80.000% | Primary | Purchase | 793 |  | Truck Driver Owner Operat |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 25.289% | Yes | Alternative | QC Complete | 07/31/2025 |
|  | 1ZQHLEDTWOB |  |  |  | Pennsylvania | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family |  | 70.000% | 70.000% | Investor | Cash Out | 719 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 07/30/2025 |
|  | FSTK4DQXHOE |  |  |  | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 75.000% | 75.000% | Investor | Purchase | 702 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 08/13/2025 |
|  | RMLMIVRSW4P |  |  |  | Louisiana | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide hazard Insurance for subject property (XXXX) with Correct Mortgagee Clause and coverage amount to match loan amount or show 100% replacement cost.<br>Resolved 06/XX/2025 - Received LOX from lender that XXXX mortgage is a serving company for XXXX, condition resolved. |  |  | Single Family |  | 64.634% | 64.634% | Investor | Cash Out | 741 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 06/09/2025 |
|  | 0QDVL5VFXPN |  |  |  | South Carolina | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 80.000% | 80.000% | Investor | Purchase | 798 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 07/16/2025 |
|  | 1W1UW5EB5BQ |  |  |  | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 50.000% | 50.000% | Primary | Purchase | 795 |  | Tennis Insturctor |  |  | Mos Reviewed:24<br> Times 1X30:<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 36.976% | Yes | Full Documentation | QC Complete | 07/23/2025 |
|  | CSKR25XNXNS |  |  |  | Michigan | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 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.<br>Higher-Priced Mortgage Loan Test: Charged 9.042% Allowed 8.330% Overby+0.712%.<br>This loan is compliant with regulation 1026.35. |  |  | Single Family |  | 90.000% | 90.000% | Primary | Purchase | 734 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Verification of Rent |  | 41.076% | Yes | Alternative | QC Complete | 07/15/2025 |
|  | V0511ASA25L |  |  |  | Colorado | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Mid Rise Condo (5-8 Stories) |  | 80.000% | 80.000% | Secondary | Purchase | 792 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 26.161% | No | Alternative | QC Complete | 07/03/2025 |
|  | 1KODZE1N3VM |  |  |  | Washington | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 80.000% | 80.000% | Primary | Cash Out | 742 |  | Contractor |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 47.409% |  | Alternative | QC Complete | 10/24/2025 |
|  | VG2C2PVSC0B |  |  |  | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 78.986% | 78.986% | Investor | Refinance | 772 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 08/19/2025 |
|  | KKK2P5RTKRP |  |  |  | Washington | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 59.552% | 59.552% | Primary | Refinance | 746 |  | Dentist |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 44.433% |  | Full Documentation | QC Complete | 07/17/2025 |
|  | SRZZEDOD3BG |  |  |  | Virginia | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 75.000% | 75.000% | Primary | Refinance | 743 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 19.298% |  | Alternative | QC Complete | 07/31/2025 |
|  | 1RWNT0VAZMG |  |  |  | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 80.000% | 80.000% | Primary | Purchase | 724 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 41.890% | Yes | Alternative | QC Complete | 06/16/2025 |
|  | RUZBBJQTTPN |  |  |  | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 80.000% | 80.000% | Primary | Purchase | 804 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 07/02/2025 |
|  | BGA40AFVXKS |  |  |  | Washington | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 64.286% | 64.286% | Investor | Cash Out | 703 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 08/19/2025 |
|  | QHNUKOLBKZN |  |  |  | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Missing Title evidence - EV R<br> COMMENT: Missing Title commitment/Preliminary report.<br>Resolved 08/XX/2025 - Received Preliminary title report, condition resolved. |  |  | PUD |  | 57.769% | 57.769% | Primary | Refinance | 761 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 29.372% |  | Alternative | QC Complete | 08/13/2025 |
|  | AP010104HAY |  |  |  | Virginia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 75.000% | 75.000% | Investor | Purchase | 722 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 08/08/2025 |
|  | MMUYNKZTTPH |  |  |  | Washington | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 80.000% | 80.000% | Investor | Purchase | 723 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 07/03/2025 |
|  | VC1MGBIVHVK |  |  |  | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 70.000% | 70.000% | Primary | Purchase | 770 |  | President- Pharmaceutical |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 16.172% | No | Alternative | QC Complete | 08/04/2025 |
|  | 2G52YSVAY5O |  |  |  | Colorado | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide real estate errors and omissions insurance policy as it is missing.<br>Resolved 06/XX/2025 - Received appraisal report with E&O Policy, condition resolved. |  |  | Low Rise Condo (1-4 Stories) |  | 55.714% | 55.714% | Primary | Purchase | 809 |  | Senior Commercial Banking Portfolio Manger |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 31.511% | No | Full Documentation | QC Complete | 06/10/2025 |
|  | EMUTMQJOSTQ |  |  |  | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 79.882% | 79.882% | Investor | Purchase | 781 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 07/21/2025 |
|  | 5RGV2HQJQNS |  |  |  | Colorado | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 4 Family |  | 80.000% | 80.000% | Investor | Purchase | 786 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 08/19/2025 |
|  | U1NO2Q345TT |  |  |  | Ohio | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Closing Protection Letter Missing - EV R<br> COMMENT: Missing ATIMA from the XXXX Lender loss payee information on the CPL.<br>Resolved on 06/XX/2025 - received CPL letter with ATIMA lender loss payee information , condition resolved.<br>\*\*\* (CURED) Additional Address on Credit Report - EV R<br> COMMENT: Provide a copy of letter of explanation for additional address reflecting on credit report XXXX<br>Resolved 06/XX/2025 - Received response from client as there is no need of LOX for this property as fraud report reflects no red flag, Condition resolved.<br>\*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 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.<br>Higher-Priced Mortgage Loan Test: Charged 8.968% Allowed 8.370% Overby +0.598%<br>This loan is compliant with regulation 1026.35.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Missing validation of tax preparer license forXXXX<br>Resolved 06/XX/2025 - Received PTIN Document, condition resolved. |  |  | Low Rise Condo (1-4 Stories) |  | 80.000% | 80.000% | Primary | Purchase | 744 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 11.905% | Yes | Alternative | QC Complete | 06/06/2025 |
|  | YXES2FTFE2N |  |  |  | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 17.919% | 17.919% | Primary | Cash Out | 772 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 34.770% |  | Alternative | QC Complete | 07/02/2025 |
|  | YKDSDWR4SD0 |  |  |  | Utah | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 75.000% | 75.000% | Investor | Purchase | 726 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 07/17/2025 |
|  | A25ASDKCVHW |  |  |  | New York | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Missing Required Disclosures - EV R<br> COMMENT: Missing condo questionnaire.<br>Resolved 08/XX/2025 - Received client response as 2-4 unit waiver doesn't required any condo questionnaire, condition resolved. |  |  | Low Rise Condo (1-4 Stories) |  | 75.000% | 75.000% | Investor | Cash Out | 781 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 32.200% |  | Alternative | QC Complete | 07/30/2025 |
|  | IGO4JVAVXJ2 |  |  |  | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 74.597% | 74.597% | Primary | Refinance | 794 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 22.919% |  | Alternative | QC Complete | 07/16/2025 |
|  | ZNUQKOSBVCI |  |  |  | Arizona | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 80.000% | 80.000% | Investor | Purchase | 769 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 22.433% | No | Alternative | QC Complete | 08/19/2025 |
|  | 3ROGR5LPSEC |  |  |  | Pennsylvania | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Borrower is a FTHB and has been living rent free for 11 years.<br>A copy of an exception approval letter is available in the loan file. | FICO: 783 FICO exceeds the guideline requirement of 720.<br>Residual Income : $11,875.82 monthly <br>DTI: 41.65% DTI is less than the maximum guideline requirement of 50.00%. | PUD |  | 80.000% | 80.000% | Primary | Purchase | 783 |  | Owner |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: |  | 41.655% | Yes | Alternative | QC Complete | 07/30/2025 |
|  | 00QAQAYVALO |  |  |  | Georgia | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 70.000% | 70.000% | Primary | Purchase | 781 |  | Sr. Enterprise Account Executive |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 43.447% | No | Full Documentation | QC Complete | 08/01/2025 |
|  | OVA5TZT24FE |  |  |  | Georgia | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Exception allowed for FTHB on second home rate/term refinance if the property was incomplete at original application and not previously occupied.<br>A copy of an exception approval letter is available in the loan file. | DTI: 35.15% DTI is less than the maximum guideline requirement of 50.00%.<br>Reserves: The 27 months of available reserves are more than the guideline requirement of 5 months. | PUD |  | 69.939% | 69.939% | Secondary | Refinance | 665 |  | Principle |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Verification of Rent |  | 35.150% |  | Full Documentation | QC Complete | 07/16/2025 |
|  | B2TENEMJS1B |  |  |  | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 45.763% | 45.763% | Primary | Cash Out | 690 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 48.105% |  | Alternative | QC Complete | 07/29/2025 |
|  | SL55Q4ILVBZ |  |  |  | South Carolina | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) |  | 80.000% | 80.000% | Secondary | Purchase | 789 |  | CEO/ Founder |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 36.886% | No | Full Documentation | QC Complete | 08/18/2025 |
|  | VBHYYYV4EW4 |  |  |  | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 19.231% | 19.231% | Primary | Cash Out | 801 |  | Business Management Consultant |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 38.578% |  | Alternative | QC Complete | 08/20/2025 |
|  | TZPUGLOEMLR |  |  |  | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 4 Family |  | 61.111% | 61.111% | Investor | Purchase | 746 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 06/20/2025 |
|  | X14VC42RI5B |  |  |  | Georgia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 80.000% | 80.000% | Investor | Purchase | 808 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 07/09/2025 |
|  | BDU3A2GMH3U |  |  |  | California | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Investment property cash out refinance when the borrower is living rent free<br>A copy of an exception approval letter is available in the loan file. | DTI: 37.36% DTI is less than the maximum guideline requirement of 50.00%.<br>Residual Income : $11,145.7 monthly | Single Family |  | 52.031% | 52.031% | Investor | Cash Out | 670 |  | Nurse |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 37.357% |  | Full Documentation | QC Complete | 08/15/2025 |
|  | JJTITMSCJZ2 |  |  |  | Florida | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 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.<br>Higher-Priced Mortgage Loan Test: Charged 9.093% Allowed 8.370% Overby +0.723%.<br>This loan is compliant with regulation 1026.35. |  |  | PUD |  | 90.000% | 90.000% | Primary | Purchase | 758 |  | Owner CFO |  |  | Mos Reviewed:16<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 32.790% | No | Alternative | QC Complete | 06/17/2025 |
|  | BXSRZY21ESH |  |  |  | Oregon | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 80.000% | 80.000% | Investor | Purchase | 755 |  | President |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 40.896% | No | Alternative | QC Complete | 08/20/2025 |
|  | HYVG5UIWOVA |  |  |  | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 80.000% | 80.000% | Primary | Purchase | 747 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 17.562% | Yes | Alternative | QC Complete | 10/24/2025 |
|  | NCHBXWGM22W |  |  |  | New Jersey | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family |  | 75.000% | 75.000% | Primary | Purchase | 745 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 25.248% | No | Alternative | QC Complete | 07/02/2025 |
|  | XWB5BOKMRY0 |  |  |  | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 64.446% | 64.446% | Primary | Cash Out | 769 |  | President |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 36.366% |  | Alternative | QC Complete | 07/03/2025 |
|  | KBRXIPXAI5Y |  |  |  | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 80.000% | 80.000% | Primary | Purchase | 747 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 39.943% | No | Alternative | QC Complete | 07/18/2025 |
|  | UWJRUH54CYZ |  |  |  | New York | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of Error & omission insurance policy as it is missing<br>Resolved 06/XX/2025: The copy of E& O on pg # 49 of the loan file resolves the condition. |  |  | 2 Family |  | 85.000% | 85.000% | Investor | Purchase | 779 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 06/12/2025 |
|  | XHA2XYO03EA |  |  |  | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 4 Family |  | 78.125% | 78.125% | Primary | Purchase | 676 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Verification of Rent |  | 15.869% | Yes | Alternative | QC Complete | 08/19/2025 |
|  | S1HKUNGARJI |  |  |  | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 80.000% | 80.000% | Primary | Purchase | 750 |  | Owner Dentistry |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 36.651% | No | Alternative | QC Complete | 07/22/2025 |
|  | FD4KGCFYI4I |  |  |  | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 4 Family |  | 80.000% | 80.000% | Investor | Purchase | 752 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 07/21/2025 |
|  | Z45STRFWNH4 |  |  |  | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 85.000% | 85.000% | Investor | Purchase | 784 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: |  |  | No | Alternative | QC Complete | 08/20/2025 |
|  | EYUC1NB5VTY |  |  |  | Oregon | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Incorrect Property address on Note Document. - EV R<br> COMMENT: Note, Mortgage, 1008, Final 1003 reflects property city as "XXXX" and Zip code as "XXXX". However, Title, Hazard insurance, Appraisal, CDA reflects property city as "XXXX" and Zip code "XXXX". Provide correct property city and zip code.<br>Resolved 06/XX/2025 - Received Corrected mortgage and Note document, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide business bank statement of XXXX for Nov 2024, Oct 2024, Sep 2024, as it is missing in loan file.<br>Resolved 06/XX/2025 - Received bank statements for months OCT, NOV, SEPT, DEC, condition resolved. |  |  | PUD |  | 80.000% | 80.000% | Primary | Purchase | 759 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 49.266% | No | Alternative | QC Complete | 06/03/2025 |
|  | Y3QXWVQB50C |  |  |  | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 80.000% | 80.000% | Investor | Purchase | 762 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type: |  |  | No | Alternative | QC Complete | 08/13/2025 |
|  | QJ2VDHKDMQJ |  |  |  | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 80.000% | 80.000% | Primary | Purchase | 729 |  | President |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 31.914% | Yes | Alternative | QC Complete | 07/02/2025 |
|  | GA3D2MAE4AV |  |  |  | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) |  | 80.000% | 80.000% | Investor | Purchase | 753 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 07/07/2025 |
|  | U5QXVOJ2DVO |  |  |  | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 66.456% | 66.456% | Investor | Cash Out | 702 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: |  |  |  | Alternative | QC Complete | 08/13/2025 |
|  | SDQFSWYHJDT |  |  |  | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 70.000% | 70.000% | Investor | Purchase | 753 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 07/29/2025 |
|  | 1ARLRL2ACEB |  |  |  | Texas | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide a copy of the Title supplement, as the proposed title insurance amount is not indicated in the title insurance.<br>Resolved 06/XX/2025 - Received title report with insured amount, condition resolved. |  |  | PUD |  | 51.880% | 51.880% | Primary | Cash Out | 718 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 9.412% |  | Alternative | QC Complete | 06/18/2025 |
|  | BMZVEIZSM1S |  |  |  | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 55.205% | 55.205% | Primary | Refinance | 747 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 42.735% |  | Alternative | QC Complete | 07/31/2025 |
|  | 4ENFUWUWQT3 |  |  |  | Arizona | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 80.000% | 80.000% | Primary | Purchase | 787 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 5.837% | No | Alternative | QC Complete | 07/21/2025 |
|  | NERWURILFK4 |  |  |  | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) |  | 80.000% | 80.000% | Investor | Purchase | 731 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 07/31/2025 |
|  | 4TJCYI5F3M3 |  |  |  | Maryland | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) |  | 75.000% | 75.000% | Investor | Purchase | 672 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 08/15/2025 |
|  | Y33AOQMLJX4 |  |  |  | Maryland | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 85.000% | 85.000% | Primary | Purchase | 789 |  | owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 39.674% | No | Alternative | QC Complete | 07/22/2025 |
|  | N3MJ5TE1EUB |  |  |  | Louisiana | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 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.<br>Higher-Priced Mortgage Loan Test: Charged 8.657% Allowed 8.390% Overby +0.267%.<br>This loan is compliant with regulation 1026.35.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a quit claim deed to transfer of ownership from "XXXX" to "XXXX".<br>Resolved 07/XX/2025 - Received cash sale document, condition resolved. |  |  | Single Family |  | 72.993% | 72.993% | Primary | Refinance | 671 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 36.963% |  | Alternative | QC Complete | 07/02/2025 |
|  | CIGVH1SQEQ4 |  |  |  | Ohio | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 80.000% | 80.000% | Primary | Purchase | 729 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 9.196% | No | Alternative | QC Complete | 08/20/2025 |
|  | WP3G5QX3VFY |  |  |  | New York | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family |  | 80.000% | 80.000% | Investor | Purchase | 763 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 07/21/2025 |
|  | DRESECYHQWW |  |  |  | Utah | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Income documentation does not meet guidelines - EV R<br> COMMENT: Missing form 1040 to verify VA benefits non-educational in the amount of $3,831.00.<br>Resolved 07/XX/2025 - Received lender LOX as document contains the VA benefit certificate with income, condition resolved. |  |  | 2 Family |  | 80.000% | 80.000% | Investor | Purchase | 784 |  | Administrative |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 28.624% | No | Full Documentation | QC Complete | 07/16/2025 |
|  | 3SYZFNITRJS |  |  |  | Florida | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: Missing Hazard Insurance with mortgagee clause.<br>Resolved 08/XX/2025 - Received hazard insurance with mortgage clause, condition resolved. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Allow a disputed collection on credit. xx $437.<br>A copy of an exception approval letter is available in the loan file. | FICO: 702 FICO exceeds the guideline requirement of 700.<br>Reserves: The 12 months of available reserves are more than the guideline requirement of 3 months.<br>LTV: 60.41% LTV is less than the guideline requirement of 75.00%. | PUD |  | 60.409% | 60.409% | Primary | Cash Out | 702 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 47.469% |  | Alternative | QC Complete | 07/30/2025 |
|  | H3YE13BYI0W |  |  |  | Ohio | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 80.000% | 80.000% | Primary | Purchase | 784 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 16.707% | No | Alternative | QC Complete | 07/02/2025 |
|  | SI3YOCWFDIP |  |  |  | Connecticut | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 60.000% | 60.000% | Primary | Cash Out | 776 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 32.447% |  | Alternative | QC Complete | 07/07/2025 |
|  | XFC4OULXL3F |  |  |  | New York | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 85.000% | 85.000% | Investor | Purchase | 781 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 31.794% | No | Alternative | QC Complete | 08/20/2025 |
|  | 4VNQRI3GX50 |  |  |  | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: The proposed monthly payment includes a $60 amount categorized as "Other," but no supporting documentation has been provided to identify or verify the source of this expense. Documentation is required to determine whether the amount impacts qualifying ratios or loan eligibility.<br>Resolved 06/XX/2025 - Received 1008 without monthly payment, condition resolved. |  |  | Single Family |  | 70.000% | 70.000% | Primary | Purchase | 698 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 46.094% | No | Alternative | QC Complete | 06/20/2025 |
|  | 0ZUYOUHGJT4 |  |  |  | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) |  | 75.000% | 75.000% | Investor | Purchase | 742 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 07/02/2025 |
|  | VXXDEOJTXIY |  |  |  | Washington | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 75.000% | 75.000% | Primary | Purchase | 792 |  | Wing Product Manager |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Verification of Mortgage |  | 33.220% | No | Full Documentation | QC Complete | 07/10/2025 |
|  | OMV01XDCNGT |  |  |  | New Jersey | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 74.483% | 74.483% | Primary | Purchase | 728 |  | Vice President |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 26.412% | Yes | Alternative | QC Complete | 07/17/2025 |
|  | JXHHCLGGRDV |  |  |  | Maryland | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Borrower Identity Missing - EV R<br> COMMENT: Provide a copy of borrower ID XXXX<br>Resolved 07/XX/2025 - Received GOV ID, condition resolved.<br>\*\*\* (CURED) Missing Required Disclosures - EV R<br> COMMENT: Missing Settlement Service Provider List.<br>Resolved 07/XX/2025: Received Settlement Service Provider List dated 05/XX/2025 and exception is cleared.<br>\*\*\* (CURED) Intent to Proceed Missing - EV R<br> COMMENT: Missing Intent to Proceed.<br>Resolved 07/XX/2025: Received Intent to Proceed dated 05/XX/2025 and exception is cleared. |  |  | Single Family |  | 85.000% | 85.000% | Primary | Purchase | 753 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 38.835% | No | Alternative | QC Complete | 07/16/2025 |
|  | B1B5UDXV2VB |  |  |  | Washington | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Appraisal incomplete (missing map, layout, pages, etc) - EV R<br> COMMENT: Provide a copy of Errors and Ommission Insurance Policy, as it is missing.<br>Resolved on 06/XX/2025 : Received Appraisal E&O insurance policy, condition resolved. |  |  | Single Family |  | 85.000% | 85.000% | Primary | Purchase | 792 |  | Owner - Construction - Woodworking |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 39.785% | No | Alternative | QC Complete | 06/11/2025 |
|  | I23K2AGUOW0 |  |  |  | New York | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | High Rise Condo (>=9 Stories) |  | 62.441% | 62.441% | Investor | Purchase | 794 |  | Product Manager |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 34.894% | No | Full Documentation | QC Complete | 08/18/2025 |
|  | IDX2A24UVAJ |  |  |  | Georgia | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 78.151% | 78.151% | Primary | Purchase | 808 |  | CEO |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 42.646% | No | Alternative | QC Complete | 07/09/2025 |
|  | BIMUVVOOA22 |  |  |  | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 45.154% | 45.154% | Primary | Refinance | 769 |  | General Contractor/Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 18.411% |  | Alternative | QC Complete | 06/18/2025 |
|  | QPFE1RC3IPJ |  |  |  | Oregon | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of title insurance of $XXXX on the Title Commitment is less than the loan amount $XXXX<br>Resolved 08/XX/2025 - Received Final title policy, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Missing copy of Valid Permanent Resident Card (Green Card) for co-borrower XXXX<br>Resolved 08/XX/2025 - Received GOV ID, condition resolved. |  |  | Single Family |  | 68.377% | 68.377% | Primary | Refinance | 783 |  | President |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 43.747% |  | Alternative | QC Complete | 07/31/2025 |
|  | V1XMS2VPEWF |  |  |  | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family |  | 85.000% | 85.000% | Investor | Purchase | 784 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 08/20/2025 |
|  | PYUK3RDAIX1 |  |  |  | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 80.000% | 80.000% | Primary | Purchase | 782 |  | Owner |  |  | Mos Reviewed:12<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 11.325% | Yes | Alternative | QC Complete | 06/16/2025 |
|  | 1GRZTBSIVEW |  |  |  | Maryland | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: Provide hazard Insurance for subject property (XXXX) with Correct Mortgagee Clause and coverage amount to match loan amount or show 100% replacement cost.<br>Resolved 07/XX/2025 - provide hazard insurance with mortgage clause, condition resolved. |  |  | Single Family |  | 80.000% | 80.000% | Investor | Purchase | 741 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 07/17/2025 |
|  | 133NEVCMNTQ |  |  |  | Michigan | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) |  | 70.000% | 70.000% | Investor | Purchase | 778 |  | Co-Founder Advisor |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 39.824% | No | Alternative | QC Complete | 07/11/2025 |
|  | FE1EU4ZXVIO |  |  |  | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 53.220% | 53.220% | Primary | Refinance | 703 |  | Owner |  |  | Mos Reviewed:25<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 4.337% |  | Alternative | QC Complete | 06/24/2025 |
|  | YR1SBK0QHPL |  |  |  | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of title insurance of $XXXX on the Title Commitment is less than the loan amount $XXXX<br>07/XX/2025: The copy of the title commitment resolves the condition. |  |  | PUD |  | 74.813% | 74.813% | Primary | Cash Out | 775 |  | Sr Business Development Lead |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 44.098% |  | Full Documentation | QC Complete | 07/09/2025 |
|  | NRFBRI55EYN |  |  |  | New York | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family |  | 80.000% | 80.000% | Investor | Purchase | 793 |  | Owner DDS |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 35.713% | No | Alternative | QC Complete | 07/29/2025 |
|  | VSU040ZYOMN |  |  |  | Maryland | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 80.000% | 80.000% | Investor | Purchase | 754 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 08/14/2025 |
|  | 4SP0CCB3V1L |  |  |  | Minnesota | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 29.032% | 29.032% | Primary | Purchase | 792 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 06/20/2025 |
|  | HNQIHD15EK2 |  |  |  | Georgia | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 34.737% | 34.737% | Primary | Cash Out | 693 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 34.219% |  | Alternative | QC Complete | 07/03/2025 |
|  | JQGWKVBWEE4 |  |  |  | Hawaii | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Hazard Insurance Coverage less than Loan Amount - EV R<br> COMMENT: Provide a copy of Hazard Insurance as it is missing.<br>Resolved 08/XX/2025 - Received Hazard insurance, condition resolved. |  |  | Low Rise Condo (1-4 Stories) |  | 65.403% | 65.403% | Investor | Purchase | 753 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 08/18/2025 |
|  | VYFG2R3ID0T |  |  |  | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Additional Address on Credit Report - EV R<br> COMMENT: Provide a copy of letter of explanation of additional address reflecting on credit report.(XXXX - REPORTED 08/2020 - 05/2025)<br>Resolved 06/XX/2025 - Received client LOX as PO BOX address are not questioned, condition resolved.<br>\*\*\* (CURED) Hazard Insurance Coverage less than Loan Amount - EV R<br> COMMENT: Dwelling amount of $XXXX is not sufficient to cover loan amount of $XXXX, provide copy of replacement cost estimator.<br>Resolved 06/XX/2025 - Received RCE document, condition resolved.<br>\*\*\* (CURED) Missing Required Disclosures - EV R<br> COMMENT: Provide updated final 1003 REO section property address XXXXIntended Occupancy from Primary Residence.<br>Resolved 06/XX/2025 - Received Corrected 1003 for primary residence, condition resolved. |  |  | 3 Family |  | 70.000% | 70.000% | Investor | Cash Out | 703 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 06/09/2025 |
|  | CC5M5HYWNZN |  |  |  | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 77.452% | 77.452% | Investor | Refinance | 778 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 07/09/2025 |
|  | KHZPTAQQQHW |  |  |  | Georgia | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: Provide hazard insurance policy with effective date and expiration date.<br>Resolved 08/XX/2025 - Received insurance with effective and expiration date, condition resolved. |  |  | Single Family |  | 80.000% | 80.000% | Investor | Purchase | 735 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 2.796% | No | Alternative | QC Complete | 07/31/2025 |
|  | V5WJEZVDLQP |  |  |  | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 46.773% | 46.773% | Primary | Refinance | 745 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 31.398% |  | Alternative | QC Complete | 10/24/2025 |
|  | DLSZPYUR0KD |  |  |  | California | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide updated supplemental report with amount of title insurance covering the loan amount $XXXX<br>Resolved 08/XX/2025 - Received Final title policy, condition resolved. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Request SmartSelf name update due to business change from XXXX (5/2020) to XXXX. (1/2025).<br>A copy of an exception approval letter is available in the loan file. | FICO: 736 FICO exceeds the guideline requirement of 700<br>LTV: 61.29% LTV is less than the guideline requirement of 80.00%. | PUD |  | 61.291% | 61.291% | Primary | Purchase | 736 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 15.788% | No | Alternative | QC Complete | 07/16/2025 |
|  | JYKXTYOCTQR |  |  |  | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 90.000% | 90.000% | Primary | Purchase | 762 |  | Physician/Ownerr |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 25.543% | Yes | Alternative | QC Complete | 10/24/2025 |
|  | XVJWXPCXKFJ |  |  |  | North Carolina | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) |  | 52.821% | 52.821% | Primary | Purchase | 763 |  | Attorney |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 49.916% | No | Alternative | QC Complete | 06/13/2025 |
|  | 4FZTSPOIU3V |  |  |  | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 79.633% | 79.633% | Primary | Purchase | 685 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 46.083% | Yes | Alternative | QC Complete | 07/22/2025 |
|  | 5DCHNY0HSEK |  |  |  | Kentucky | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) ComplianceEase TRID Tolerance Test is Incomplete - EV R<br> COMMENT: Missing Initial Closing Disclosure.<br>Resolved 08/XX/2025: Received Initial Closing Disclosure dated 07/XX/2025 and exception is cleared.<br>\*\*\* (CURED) Intent to Proceed Missing - EV R<br> COMMENT: Missing Intent to Proceed.<br>Resolved 08/XX/2025: Received Intent to Proceed dated 07/XX/2025 and exception is cleared. |  |  | Single Family |  | 80.000% | 80.000% | Primary | Purchase | 743 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 15.575% | Yes | Alternative | QC Complete | 08/15/2025 |
|  | AXJWXVJODC5 |  |  |  | Louisiana | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 68.966% | 68.966% | Investor | Refinance | 776 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 07/31/2025 |
|  | M3U2QWB0ECJ |  |  |  | Utah | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 58.929% | 58.929% | Primary | Purchase | 791 |  | Senior Director THO |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 43.529% | No | Full Documentation | QC Complete | 08/14/2025 |
|  | WKF1WEERWGJ |  |  |  | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 50.000% | 50.000% | Investor | Refinance | 739 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 07/03/2025 |
|  | Q3SA3Z3WILQ |  |  |  | Michigan | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Requesting exception to permit asset qualifier with funds seasoned less than 6 months (7/3 would be 6 months)<br>A copy of an exception approval letter is available in the loan file. | DTI: 41.49% DTI is less than the maximum guideline requirement of 43.00%.<br>LTV: 50.62% LTV is less than the guideline requirement of 90.00%.<br>| Single Family |  | 50.617% | 50.617% | Primary | Purchase | 740 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 41.489% | Yes | Alternative | QC Complete | 06/18/2025 |
|  | 0WQGCOK3E4O |  |  |  | Indiana | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 68.447% | 68.447% | Investor | Cash Out | 706 |  | Body Shop |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 42.954% |  | Full Documentation | QC Complete | 08/14/2025 |
|  | BZ3OXTHDU1T |  |  |  | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 60.000% | 60.000% | Primary | Cash Out | 700 |  | Co-Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 15.755% |  | Alternative | QC Complete | 06/13/2025 |
|  | EXAADFJO4HG |  |  |  | Indiana | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD |  | 70.000% | 70.000% | Investor | Cash Out | 791 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 08/14/2025 |
|  | QAFAMZPWOA3 |  |  |  | Georgia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 70.000% | 70.000% | Investor | Cash Out | 781 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 31.692% |  | Alternative | QC Complete | 06/16/2025 |
|  | IWHS3HJNVSL |  |  |  | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide updated supplemental report with amount of title insurance covering the loan amount $XXXX<br>08/XX/2025 Resolved: The copy of title commitment resolves the condition.<br>\*\*\* (CURED) Appraisal incomplete (missing map, layout, pages, etc) - EV R<br> COMMENT: Final 1003,Note,Loan Approval,1008 reflecting Property Address - XXXX, Appraisal report & CDA reflecting - XXXX. Provide a appraisal report and CDA with correct subject property address.<br>Resolved 08/XX/2025 : Received corrected Property address in Appraisal Report, Condition resolved. |  |  | Single Family |  | 75.000% | 75.000% | Investor | Cash Out | 736 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 16.526% |  | Alternative | QC Complete | 07/31/2025 |
|  | SZMQRIPXINW |  |  |  | Connecticut | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of Error & Omission insurance policy for the appraisal.<br>Resolved 06/XX/2025 - Received E&O Policy, condition resolved. |  |  | 2 Family |  | 75.000% | 75.000% | Investor | Purchase | 774 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 06/19/2025 |
|  | LU5LYP10CAY |  |  |  | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The $XXXX coverage amount on the title report is less than the mortgage loan amount of $XXXX<br>Resolved 07/XX/2025 - Received title supplement report, condition resolved. |  |  | Single Family |  | 80.000% | 80.000% | Primary | Refinance | 723 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 20.175% |  | Alternative | QC Complete | 07/03/2025 |
|  | BI5DVO0SEOT |  |  |  | New York | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family |  | 70.000% | 70.000% | Investor | Purchase | 769 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 08/19/2025 |
|  | F2BIQD2WFNB |  |  |  | Maryland | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | High Rise Condo (>=9 Stories) |  | 62.564% | 62.564% | Investor | Refinance | 666 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 08/19/2025 |
|  | W3ASO0V4S3D |  |  |  | Pennsylvania | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family |  | 79.851% | 79.851% | Investor | Purchase | 770 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 08/08/2025 |
|  | L4M44OVB12U |  |  |  | Virginia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 70.000% | 70.000% | Investor | Purchase | 767 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 08/14/2025 |
|  | KTN1V2N2YOM |  |  |  | Ohio | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 62.207% | 62.207% | Primary | Cash Out | 813 |  | Owner |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 42.869% |  | Alternative | QC Complete | 08/14/2025 |
|  | EYKCZN0T0NP |  |  |  | Georgia | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family |  | 68.627% | 68.627% | Primary | Cash Out | 736 |  | Driver |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 38.413% |  | Alternative | QC Complete | 06/20/2025 |

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## Exhibit 99.2

**Exhibit 99.2 Schedule 5**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Infinity Loan ID** | **Loan Number** | **Loan Number 2** | **Borrower Last Name** | **Property State** | **Note Date** | **Loan Purpose** | **TPR QM ATR Status** | **Initial Overall Loan Grade** | **Final Overall Loan Grade** | **Exception Category** | **Exception Subcategory** | **Exception Code** | **Final Exception Status** | **Initial Exception Grade** | **Final Exception Grade** | **Exception** | **Exception Detail** | **Follow-up Comments (Exception Response)** | **Exception Conclusion Comments** | **Compensating Factors** | **Curable Status** | **Loan Status** | **Review Date** | **Cleared Date** | **Cured Date** | **Exception Date** |
|  | NC0PGLAZCTN |  |  |  | Florida |  | Purchase | Non-QM/Compliant | 4 | 1 | Credit | Assets Insufficient | NC0PGLAZCTN-RDQHOAL4 | Resolved | 3 | R | \* Assets are not sufficient to close (Lvl R) | Provide a document meet the asset requirement which is not sufficient to cover $12,277.92 (Cash from borrower: $XXXX Total Assets verified : $15.965.90 Shortage Assets -$12,277.92)<br>Resolve-07/03/2025- The borrower assets are sufficient to cover both the cash-to-close and reserve requirements.(Verified Asset: XXXX, $45,117.40 (includes net sale proceeds of $XXXX). Cash from Borrower: $XXXX, Reserve Requirement: $6,335.01, Total Required: $34,578.83, Remaining Funds After Obligations: $45,117.40 - $34,578.83 = $10,538.5. | Resolve-07/03/2025- The borrower assets are sufficient to cover both the cash-to-close and reserve requirements.(Verified Asset: XXXX, $XXXX (includes net sale proceeds of $35,726.01). Cash from Borrower: $XXXX Reserve Requirement: $6,335.01, Total Required: $34,578.83, Remaining Funds After Obligations: $45,117.40 - XXXX | Resolve-07/03/2025- The borrower assets are sufficient to cover both the cash-to-close and reserve requirements.(Verified Asset: XXXX (includes net sale proceeds of $35,726.01). Cash from Borrower: $XXXX, Reserve Requirement: $6,335.01, Total Required: $34,578.83, Remaining Funds After Obligations: $XXXX |  |  | QC Complete | 06/13/2025 | 07/03/2025 | 07/03/2025 | 06/11/2025 |
|  | NC0PGLAZCTN |  |  |  | Florida |  | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | NC0PGLAZCTN-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 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.<br>Higher-Priced Mortgage Loan Test: Charged 9.436% Allowed 8.240% Overby +1.196%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 06/13/2025 | 06/13/2025 | 06/13/2025 | 06/12/2025 |
|  | Q330QSURQSQ |  |  |  | Texas |  | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | Q330QSURQSQ-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide operating agreement for XXXX as it is missing.<br>Resolved 07/23/2025 - Received CPA letter and LLC formation certificate received, condition resolved. | Resolved 07/23/2025 - Received CPA letter and LLC formation certificate received, condition resolved. | Resolved 07/23/2025 - Received CPA letter and LLC formation certificate received, condition resolved. |  |  | QC Complete | 10/23/2025 | 10/23/2025 | 10/23/2025 | 07/08/2025 |
|  | YBHE3P0PUDK |  |  |  | Texas |  | Purchase | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | YBHE3P0PUDK-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | This is the first Smart Products submission, and the 15-day delivery rule was unknown to the originator. A note has been made to ensure future compliance.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 803 FICO exceeds the guideline requirement of 720.<br>Reserves: The 25 months of available reserves are more than the guideline requirement of 9 months. |  | QC Complete | 07/22/2025 |  |  | 07/21/2025 |
|  | I1MMKIHEQ2U |  |  |  | North Carolina |  | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | I1MMKIHEQ2U-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of income documents for the borrower XXXX as it is missing.<br>Resolved 07/31/2025: Resolved, as the loan falls under the asset qualifier program and the assets were used to calculate income. | Resolved 07/31/2025: Resolved, as the loan falls under the asset qualifier program and the assets were used to calculate income. | Resolved 07/31/2025: Resolved, as the loan falls under the asset qualifier program and the assets were used to calculate income. |  |  | QC Complete | 07/07/2025 | 07/31/2025 | 07/31/2025 | 07/03/2025 |
|  | LODYAEQAL3L |  |  |  | Florida |  | Purchase | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | LODYAEQAL3L-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | First time investor min credit score is 680. Borrowers score is 669.<br>A copy of an exception approval letter is available in the loan file. |  |  | DSCR: 1.74 DSCR exceeds the guideline requirement of 1.15.<br>LTV: 60.00% LTV is less than the guideline requirement of 65.00%. |  | QC Complete | 07/03/2025 |  |  | 07/03/2025 |
|  | XZMXTLWPKE2 |  |  |  | Minnesota |  | Refinance | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | XZMXTLWPKE2-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Max LTV is 75%. Requesting LTV of 80%. Appraisals have been reviewed by CRT as acceptable. Using the lower valued appraisal of $XXXX<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 789 FICO exceeds the guideline requirement of 700.<br>Reserves: The 108 months of available reserves are more than the guideline requirement of 9 months.<br>|  | QC Complete | 07/08/2025 |  |  | 07/08/2025 |
|  | UVCZLVE5Q1O |  |  |  | California |  | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | UVCZLVE5Q1O-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide updated supplemental report with amount of title insurance covering the loan amount $XXXX<br>Resolved 07/14/2025 - Received title supplement report, condition resolved. | Resolved 07/14/2025 - Received title supplement report, condition resolved. | Resolved 07/14/2025 - Received title supplement report, condition resolved. |  |  | QC Complete | 07/07/2025 | 07/14/2025 | 07/14/2025 | 07/03/2025 |
|  | 554OYWLTLC0 |  |  |  | Indiana |  | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | 554OYWLTLC0-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 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.<br>Higher-Priced Mortgage Loan Test: Charged 8.930% Allowed 8.300% Overby +0.630%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 07/07/2025 | 07/07/2025 | 07/07/2025 | 07/03/2025 |
|  | 3QP0B3QEBMH |  |  |  | Texas |  | Cash Out | Not Covered/Exempt | 3 | 2 | Valuation | Property | 3QP0B3QEBMH-8TUTL2SS | Resolved | 3 | R | \* Subject property is located in a FEMA designated disaster area (recent). (Lvl R) | Property is located in FEMA disaster zone XXXX and continuing. Please provide a Post Disaster Inspection report.<br>Resolved 07/28/2025 - Received Post disaster inspection report, condition resolved. | Resolved 07/28/2025 - Received Post disaster inspection report, condition resolved. | Resolved 07/28/2025 - Received Post disaster inspection report, condition resolved. |  |  | QC Complete | 07/18/2025 | 07/28/2025 | 07/28/2025 | 07/17/2025 |
|  | 3QP0B3QEBMH |  |  |  | Texas |  | Cash Out | Not Covered/Exempt | 3 | 2 | Credit | Guidelines | 3QP0B3QEBMH-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Required DSCR on cashout is 1.15 Actual is 1.004.<br>A copy of an exception approval letter is available in the loan file. |  |  | LTV: 46.97% LTV is less than the guideline requirement of 60.00%.<br>FICO: 690 FICO exceeds the guideline requirement of 680. |  | QC Complete | 07/18/2025 |  |  | 07/17/2025 |
|  | RW3S5PKER05 |  |  |  | Colorado |  | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | RW3S5PKER05-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of Condo Questionnaire.<br>Resolved 07/30/2025 - Received condo questionnaire, condition resolved. | Resolved 07/30/2025 - Received condo questionnaire, condition resolved. | Resolved 07/30/2025 - Received condo questionnaire, condition resolved. |  |  | QC Complete | 07/18/2025 | 07/30/2025 | 07/30/2025 | 07/17/2025 |
|  | GTHXRMJHRVL |  |  |  | New Jersey |  | Purchase | Non-QM/Compliant | 3 | 1 | Valuation | Valuation | GTHXRMJHRVL-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Appraisal report has variance of 10.44%, missing additional appraisal report to support the valuation.<br>Resolved 07/22/2025: The copy of CDA resolves the condition. | Resolved 07/22/2025: The copy of CDA resolves the condition. | Resolved 07/22/2025: The copy of CDA resolves the condition. |  |  | QC Complete | 07/07/2025 | 07/22/2025 | 07/22/2025 | 07/07/2025 |
|  | YDDKK51D4UH |  |  |  | New York |  | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | YDDKK51D4UH-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance of $206,700.00 on the Title Commitment is less than the loan amount $XXXX<br>Resolved 08/04/2025 - Received title policy, condition resolved. | Resolved 08/04/2025 - Received title policy, condition resolved. | Resolved 08/04/2025 - Received title policy, condition resolved. |  |  | QC Complete | 07/18/2025 | 08/04/2025 | 08/04/2025 | 07/17/2025 |
|  | YDDKK51D4UH |  |  |  | New York |  | Purchase | Non-QM/Compliant | 3 | 1 | Credit |  | YDDKK51D4UH-QSFFZZOT | Resolved | 3 | R | \* Hazard Insurance Coverage less than Loan Amount (Lvl R) | Please provide a copy of the Replacement Cost Estimator, as the current dwelling coverage amount of $xx is insufficient to cover the loan amount of $XXXX<br>Not Resolved 08/04/2025 - Required RCE document to cover the dwelling coverage amount, condition not resolved.<br>Resolved 08/12/2025 - the copy of updated HOI with coverage of $xxx resolves the condition. | Resolved 08/12/2025 - the copy of updated HOI with coverage of $XXXX resolves the condition. | Resolved 08/12/2025 - the copy of updated HOI with coverage of $XXXX resolves the condition. |  |  | QC Complete | 07/18/2025 | 08/12/2025 | 08/12/2025 | 07/16/2025 |
|  | 0TA5EU0GORN |  |  |  | Florida |  | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | 0TA5EU0GORN-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 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.<br>Higher-Priced Mortgage Loan Test: Charged 9.159% Allowed 8.380% Overby +0.779%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 07/07/2025 | 07/07/2025 | 07/07/2025 | 07/03/2025 |
|  | CQ3TNRGPALW |  |  |  | New York |  | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Assets Insufficient | CQ3TNRGPALW-RDQHOAL4 | Resolved | 3 | R | \* Assets are not sufficient to close (Lvl R) | Missing Settlement statement for pending net proceeds address : XXXX<br>07/11/2025 Resolved: Resolved as the proceeds were not used for closing. | 07/11/2025 Resolved: Resolved as the proceeds were not used for closing. | 07/11/2025 Resolved: Resolved as the proceeds were not used for closing. |  |  | QC Complete | 07/07/2025 | 07/11/2025 | 07/11/2025 | 07/07/2025 |
|  | BYQVQL4GJTU |  |  |  | California |  | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | BYQVQL4GJTU-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide updated supplemental report with amount of title insurance covering the loan amount $XXXX<br>Resolved 07/21/2025 - Received title endorsement for $XXX, condition resolved. | Resolved 07/21/2025 - Received title endorsement for $XXXX, condition resolved. | Resolved 07/21/2025 - Received title endorsement for $XXXX, condition resolved. |  |  | QC Complete | 07/07/2025 | 07/21/2025 | 07/21/2025 | 07/03/2025 |
|  | AOYEN5OE0HR |  |  |  | Tennessee |  | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | AOYEN5OE0HR-UDN50XOG | Resolved | 3 | R | \* Borrower Identity Missing (Lvl R) | Provide a copy of borrower ID for the XXXX as it is missing.<br>Resolved 07/31/2025 - Received GOV ID for both borrower and Co-borrower, condition resolved. | Resolved 07/31/2025 - Received GOV ID for both borrower and Co-borrower, condition resolved. | Resolved 07/31/2025 - Received GOV ID for both borrower and Co-borrower, condition resolved. |  |  | QC Complete | 07/18/2025 | 07/31/2025 | 07/31/2025 | 07/17/2025 |
|  | R43UGYID0WR |  |  |  | California |  | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | R43UGYID0WR-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance of $333,000.00 on the Title Commitment is less than the loan amount $XXXX<br>Resolved 08/04/2025 - Received Final title policy, condition resolved. | Resolved 08/04/2025 - Received Final title policy, condition resolved. | Resolved 08/04/2025 - Received Final title policy, condition resolved. |  |  | QC Complete | 07/18/2025 | 08/04/2025 | 08/04/2025 | 07/17/2025 |
|  | R43UGYID0WR |  |  |  | California |  | Purchase | Not Covered/Exempt | 3 | 1 | Credit |  | R43UGYID0WR-QSFFZZOT | Resolved | 3 | R | \* Hazard Insurance Coverage less than Loan Amount (Lvl R) | Provide a copy of Replacement cost estimate. Hazard insurance in the amount of $xx is not sufficient to cover the loan amount of $XXXX<br>Resolved 08/04/2025 - Received RCE document, condition resolved. | Resolved 08/04/2025 - Received RCE document, condition resolved. | Resolved 08/04/2025 - Received RCE document, condition resolved. |  |  | QC Complete | 07/18/2025 | 08/04/2025 | 08/04/2025 | 07/17/2025 |
|  | 1GX2RI3KFKK |  |  |  | Wisconsin |  | Refinance | Non-QM/Compliant | 4 | 2 | Credit | Guidelines | 1GX2RI3KFKK-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Requesting an exception for 29 NSFs associated with XXXXr. A letter of explanation from the borrower is available in the file. DTI was calculated including income from XXXX<br>A copy of an exception approval letter is available in the loan file. |  |  | LTV: 76.55% LTV is less than the guideline requirement of 80.00%<br>DTI: 17.48% DTI is less than the maximum guideline requirement of 50.00% |  | QC Complete | 08/18/2025 |  |  | 08/14/2025 |
|  | 1GX2RI3KFKK |  |  |  | Wisconsin |  | Refinance | Non-QM/Compliant | 4 | 2 | Compliance | Compliance | 1GX2RI3KFKK-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 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<br>Higher-Priced Mortgage Loan Test: Charged 9.317% Allowed 8.420% Overby +0.897%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 08/18/2025 | 08/18/2025 | 08/18/2025 | 08/15/2025 |
|  | 3IUQCTAMMA2 |  |  |  | Texas |  | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | 3IUQCTAMMA2-UDN50XOG | Resolved | 3 | R | \* Borrower Identity Missing (Lvl R) | Provide the borrower's Government ID as it is missing in the loan package.<br>Resolved 08/11/2025 - Received USA Patriot Act, condition resolved. | Resolved 08/11/2025 - Received USA Patriot Act, condition resolved. | Resolved 08/11/2025 - Received USA Patriot Act, condition resolved. |  |  | QC Complete | 08/04/2025 | 08/11/2025 | 08/11/2025 | 08/04/2025 |
|  | S4H5WYYB5LS |  |  |  | Washington |  | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | S4H5WYYB5LS-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Guidelines require residual income of $2,000.00 for one individual. Borrower has $1,700.00.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 790 FICO exceeds the guideline requirement of 720.<br>LTV: 31.25% LTV is less than the guideline requirement of 90.00%. |  | QC Complete | 08/18/2025 |  |  | 08/15/2025 |
|  | VENOZNVSQIG |  |  |  | California |  | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | VENOZNVSQIG-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide updated supplemental report with amount of title insurance covering the loan amount $XXXX<br>Resolved 08/20/2025 - Received title insured amount, condition resolved. | Resolved 08/20/2025 - Received title insured amount, condition resolved. | Resolved 08/20/2025 - Received title insured amount, condition resolved. |  |  | QC Complete | 08/18/2025 | 08/20/2025 | 08/20/2025 | 08/15/2025 |
|  | CC5XMQ1D15J |  |  |  | Texas |  | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | CC5XMQ1D15J-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 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<br>Higher-Priced Mortgage Loan Test: Charged 9.202% Allowed 8.240% Overby +0.962%.<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 06/12/2025 | 06/12/2025 | 06/12/2025 | 06/12/2025 |
|  | 4CWD54XPU5A |  |  |  | Florida |  | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | 4CWD54XPU5A-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Lender guidelines allow Business assets to be considered at 75%, Borrower used 100% of business assets towards closing costs and reserves.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 809 FICO exceeds the guideline requirement of 660.<br>LTV: 80.00% LTV is less than the guideline requirement of 90.00%.<br>DTI: 45.66% DTI is less than the maximum guideline requirement of 50.00%. |  | QC Complete | 08/14/2024 |  |  | 08/13/2024 |
|  | 3XOT3V0LTPX |  |  |  | Florida |  | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | 3XOT3V0LTPX-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance of $250,000.00 on the Title Commitment is less than the loan amount $XXXX<br>Resolved 07/09/2025 - Received title report with insured amount, condition resolved. | Resolved 07/09/2025 - Received title report with insured amount, condition resolved. | Resolved 07/09/2025 - Received title report with insured amount, condition resolved. |  |  | QC Complete | 07/01/2025 | 07/09/2025 | 07/09/2025 | 06/30/2025 |
|  | JTYPN2QACRU |  |  |  | Florida |  | Purchase | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | JTYPN2QACRU-T67CK90Y | Waived | 2 | W | \* Credit history does not meet guidelines (Lvl W) | Credit history does not meet guideline. FTHB Living rent free for the past 29 years.<br>A copy of an exception approval letter is available in the loan file. |  |  | LTV: 57.89% LTV is less than the guideline requirement of 85.00%.<br>FICO: 790 FICO exceeds the guideline requirement of 640.<br>DTI: 17.86% DTI is less than the maximum guideline requirement of 50.00%. | Condition Flag: Resolution Required | QC Complete | 07/21/2025 |  |  | 07/18/2025 |
|  | JTYPN2QACRU |  |  |  | Florida |  | Purchase | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | JTYPN2QACRU-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | FTHB Purchasing an investment property while living rent free not permitted as per the guideline.<br>A copy of an exception approval letter is available in the loan file. |  |  | LTV: 57.89% LTV is less than the guideline requirement of 85.00%.<br>FICO: 790 FICO exceeds the guideline requirement of 640.<br>DTI: 17.86% DTI is less than the maximum guideline requirement of 50.00%. |  | QC Complete | 07/21/2025 |  |  | 07/18/2025 |
|  | STZCYXKW0WM |  |  |  | Washington |  | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | STZCYXKW0WM-DFWG7HN5 | Resolved | 3 | R | \* Missing proof of hazard insurance (Lvl R) | Provide a copy of Hazard Insurance as it is missing.<br>Resolved 08/20/2025 - Received master policy and no HOI premium , condition resolved. | Resolved 08/20/2025 - Received master policy and no HOI premium , condition resolved. | Resolved 08/20/2025 - Received master policy and no HOI premium , condition resolved. |  |  | QC Complete | 10/24/2025 | 10/24/2025 | 10/24/2025 | 08/14/2025 |
|  | 3R4BZUUU03V |  |  |  | Texas |  | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | 3R4BZUUU03V-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 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.<br>Higher-Priced Mortgage Loan Test: Charged 8.344% Allowed 8.290% Overby +0.054%.<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 08/20/2025 | 08/20/2025 | 08/20/2025 | 08/19/2025 |
|  | O1D4AJFSR2H |  |  |  | Florida |  | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | O1D4AJFSR2H-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Borrow EAD Category C09 which is acceptable as per the guidelines.<br>A copy of an exception approval letter is available in the loan file. |  |  | DTI: 15.93% DTI is less than the maximum guideline requirement of 50.00%.<br>FICO: 735 FICO exceeds the guideline requirement of 720. |  | QC Complete | 10/23/2025 |  |  | 07/31/2025 |
|  | 5YDBPCUKNB0 |  |  |  | California |  | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Credit | 5YDBPCUKNB0-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide business bank statements of XXXX for the month ending 3/31/2025 as it is missing.<br>Resolved 08/13/2025 - Received march month statement, condition resolved. | Resolved 08/13/2025 - Received march month statement, condition resolved. | Resolved 08/13/2025 - Received march month statement, condition resolved. |  |  | QC Complete | 07/31/2025 | 08/13/2025 | 08/13/2025 | 07/29/2025 |
|  | AIHOARUULR2 |  |  |  | New Jersey |  | Purchase | Non-QM/Compliant | 3 | 2 | Compliance | Compliance | AIHOARUULR2-RO3KRP0K | Cured | 3 | C | \* TRID Violations (Lvl C) | TRID Violation due to Credit report fee increase on Initial CD 06/xx/2025.LE dated 04/xx/2025 reflects Credit report fee $300.00, however, Final CD dated 06/xx/2025 reflects the Credit report fee at $365.00.This is a fee increase of $65.00 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees, Provide a copy of COC or cure.<br>Cured 06/30/2025: Received PCCD and Cure letter of explanation dated 06/27/2025 and exception is cleared. | Cured 06/30/2025: Received PCCD and Cure letter of explanation dated 06/27/2025 and exception is cleared. | Cured 06/30/2025: Received PCCD and Cure letter of explanation dated 06/27/2025 and exception is cleared. |  |  | QC Complete | 10/24/2025 |  |  | 10/24/2025 |
|  | M2KKFD3PFIY |  |  |  | Florida |  | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | M2KKFD3PFIY-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 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.<br>Higher-Priced Mortgage Loan Test: Charged 8.951% Allowed 8.250% Overby +0.701%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 07/31/2025 | 07/31/2025 | 07/31/2025 | 07/31/2025 |
|  | S5FZGKSUGUG |  |  |  | Utah |  | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | S5FZGKSUGUG-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of Errors & Omission insurance policy as it is missing<br>Resolved 06/18/2025 - Received E&O Policy, condition resolved. | Resolved 06/18/2025 - Received E&O Policy, condition resolved. | Resolved 06/18/2025 - Received E&O Policy, condition resolved. |  |  | QC Complete | 06/12/2025 | 06/18/2025 | 06/18/2025 | 06/10/2025 |
|  | G0RCK33N5YQ |  |  |  | Oklahoma |  | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Other Disclosures | G0RCK33N5YQ-ZXHR0C1D | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | Provide a copy of Error and Omission insurance policy, as it is missing.<br>Resolved 06/17/2025 - Received E&O Policy, condition resolved. | Resolved 06/17/2025 - Received E&O Policy, condition resolved. | Resolved 06/17/2025 - Received E&O Policy, condition resolved. |  |  | QC Complete | 06/12/2025 | 06/17/2025 | 06/17/2025 | 06/10/2025 |
|  | W0LW2WLKSY0 |  |  |  | Florida |  | Cash Out | Not Covered/Exempt | 3 | 1 | Credit |  | W0LW2WLKSY0-QSFFZZOT | Resolved | 3 | R | \* Hazard Insurance Coverage less than Loan Amount (Lvl R) | Dwelling amount $223,800.00 is not sufficient to cover loan amount $XXXX. Provide a copy of replacement cost estimator or updated hazard insurance with sufficient dwelling.<br>Resolved 08/19/2025 - Received RCE document with 100% coverage, condition resolved. | Resolved 08/19/2025 - Received RCE document with 100% coverage, condition resolved. | Resolved 08/19/2025 - Received RCE document with 100% coverage, condition resolved. |  |  | QC Complete | 08/15/2025 | 08/19/2025 | 08/19/2025 | 08/13/2025 |
|  | PK21VCXY2CS |  |  |  | Montana |  | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | PK21VCXY2CS-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The $xx coverage amount on the title report is less than the mortgage loan amount of $XXXX<br>Resolved 06/26/2025 - Received title report with insured amount, condition resolved. | Resolved 06/26/2025 - Received title report with insured amount, condition resolved. | Resolved 06/26/2025 - Received title report with insured amount, condition resolved. |  |  | QC Complete | 06/23/2025 | 06/26/2025 | 06/26/2025 | 06/20/2025 |
|  | PK21VCXY2CS |  |  |  | Montana |  | Cash Out | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | PK21VCXY2CS-FSGBNA1Z | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | Missing Settlement Service Provider List.<br>Resolved 06/26/2025: Received Settlement Service Provider List dated 05/15/2025 and exception is cleared. | Resolved 06/26/2025: Received Settlement Service Provider List dated 05/15/2025 and exception is cleared. | Resolved 06/26/2025: Received Settlement Service Provider List dated 05/15/2025 and exception is cleared. |  |  | QC Complete | 06/23/2025 | 06/26/2025 | 06/26/2025 | 06/20/2025 |
|  | XMQF4EWZXBH |  |  |  | New York |  | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | XMQF4EWZXBH-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Requesting SLE for Visa type of C09 moving to C08.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 708 FICO exceeds the guideline requirement of 700.<br>LTV: 80.00% LTV is less than the guideline requirement of 85.00%.<br>DTI: 20.46% DTI is less than the maximum guideline requirement of 50.00%. |  | QC Complete | 07/08/2025 |  |  | 07/07/2025 |
|  | XMQF4EWZXBH |  |  |  | New York |  | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | XMQF4EWZXBH-3L2978EM | Waived | 2 | W | \* Assets do not meet guidelines (Lvl W) | Requesting exception for NSF fees.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 708 FICO exceeds the guideline requirement of 700.<br>LTV: 80.00% LTV is less than the guideline requirement of 85.00%.<br>DTI: 20.46% DTI is less than the maximum guideline requirement of 50.00%. |  | QC Complete | 07/08/2025 |  |  | 07/07/2025 |
|  | TDRXAD01A2Q |  |  |  | Pennsylvania |  | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | TDRXAD01A2Q-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The $xx coverage amount on the title report is less than the mortgage loan amount of $XXXX<br>Resolved 07/10/2025 - Received title report with insured amount, condition resolved. | Resolved 07/10/2025 - Received title report with insured amount, condition resolved. | Resolved 07/10/2025 - Received title report with insured amount, condition resolved. |  |  | QC Complete | 07/07/2025 | 07/10/2025 | 07/10/2025 | 07/07/2025 |
|  | 1KIRSOOCWIV |  |  |  | Colorado |  | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | 1KIRSOOCWIV-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 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.<br>Higher-Priced Mortgage Loan Test: Charged 8.997% Allowed 8.170% Overby +0.827%. <br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 07/15/2025 | 07/15/2025 | 07/15/2025 | 07/15/2025 |
|  | WDVC3BLBEVD |  |  |  | Kansas |  | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | WDVC3BLBEVD-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | As per guideline max 20 acer allowed. However, Appraisal reflects XXXX acres, it is not acceptable.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 781 FICO exceeds the guideline requirement of 640<br>DTI: 31.78% DTI is less than the maximum guideline requirement of 50.00%.<br>Reserves: The 86 months of available reserves are more than the guideline requirement of 6 months.<br>|  | QC Complete | 10/23/2025 |  |  | 07/15/2025 |
|  | WDVC3BLBEVD |  |  |  | Kansas |  | Purchase | Non-QM/Compliant | 3 | 2 | Credit |  | WDVC3BLBEVD-G0TZ53U4 | Resolved | 3 | R | \* Hazard Insurance (Lvl R) | Provide hazard Insurance for subject property (XXXX) with Correct Mortgagee Clause and coverage amount to match loan amount or show 100% replacement cost.<br>Resolved 07/24/2025 - Received hazard insurance with mortgage clause, condition resolved. | Resolved 07/24/2025 - Received hazard insurance with mortgage clause, condition resolved. | Resolved 07/24/2025 - Received hazard insurance with mortgage clause, condition resolved. |  |  | QC Complete | 10/23/2025 | 10/23/2025 | 10/23/2025 | 07/15/2025 |
|  | BLQNTKIE21G |  |  |  | Florida |  | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | BLQNTKIE21G-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 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.<br>Higher-Priced Mortgage Loan Test: Charged 8.629% Allowed 8.170% Overby +0.459%.<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 08/19/2025 | 08/19/2025 | 08/19/2025 | 08/18/2025 |
|  | SC15X1OMEKU |  |  |  | Florida |  | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | SC15X1OMEKU-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Allow the use of 100% of business assets that are being used also for income. Borrower is 100% owner of XXXX. With the allowance to use 100% of the assets, borrower will have sufficient assets to cover cash to close and 3 months subject PITIA reserves.<br>A copy of an exception approval letter is available in the loan file. |  |  | DTI: 8.77% DTI is less than the maximum guideline requirement of 50.00%.<br>Reserves: The 15 months of available reserves are more than the guideline requirement of 3 months. |  | QC Complete | 10/23/2025 |  |  | 07/07/2025 |
|  | CTXNYFLHMBY |  |  |  | Ohio |  | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | CTXNYFLHMBY-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 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.<br>Higher-Priced Mortgage Loan Test: Charged 9.052% Allowed 8.250% Overby +0.802%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 08/15/2025 | 08/15/2025 | 08/15/2025 | 08/15/2025 |
|  | 4SE3XDPHOYL |  |  |  | Hawaii |  | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | 4SE3XDPHOYL-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide updated supplemental report with amount of title insurance covering the loan amount $XXXX<br>Resolved 07/10/2025 - Received final title policy, condition resolved. | Resolved 07/10/2025 - Received final title policy, condition resolved. | Resolved 07/10/2025 - Received final title policy, condition resolved. |  |  | QC Complete | 07/01/2025 | 07/10/2025 | 07/10/2025 | 07/01/2025 |
|  | N4WP1AHNKEX |  |  |  | South Carolina |  | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | N4WP1AHNKEX-0O1J05XI | Resolved | 3 | R | \* ComplianceEase TRID Tolerance Test Failed (Lvl R) | Missing Settlement Service Provider List.<br>Title- Search Fee added and Fees are increased more than 10% in Final CD.<br>Resolved 08/15/2025: Received Settlement Service Provider List dated 07/01/2025 and exception is cleared. | Resolved 08/15/2025: Received Settlement Service Provider List dated 07/01/2025 and exception is cleared. | Resolved 08/15/2025: Received Settlement Service Provider List dated 07/01/2025 and exception is cleared. |  |  | QC Complete | 08/13/2025 | 08/15/2025 | 08/15/2025 | 08/12/2025 |
|  | N4WP1AHNKEX |  |  |  | South Carolina |  | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | N4WP1AHNKEX-L2NRUFUV | Resolved | 3 | R | \* Intent to Proceed Missing (Lvl R) | Missing Intent To Proceed.<br>Resolved 08/15/2025: Received Intent to Proceed dated 07/01/2025 and exception is cleared. | Resolved 08/15/2025: Received Intent to Proceed dated 07/01/2025 and exception is cleared. | Resolved 08/15/2025: Received Intent to Proceed dated 07/01/2025 and exception is cleared. |  |  | QC Complete | 08/13/2025 | 08/15/2025 | 08/15/2025 | 08/12/2025 |
|  | ZNFZBQI1Q2X |  |  |  | Florida |  | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | ZNFZBQI1Q2X-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 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.<br>Higher-Priced Mortgage Loan Test: Charged 8.968% Allowed 8.250% Overby +0.718%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 08/18/2025 | 08/18/2025 | 08/18/2025 | 08/15/2025 |
|  | V3RKQPOTKE0 |  |  |  | California |  | Purchase | Not Covered/Exempt | 4 | 1 | Credit | Assets | V3RKQPOTKE0-8REF7GRZ | Resolved | 3 | R | \* Assets Verification (Lvl R) | Authorization letter from XXXX to XXXX for access to XXXX and XXXX required.<br>Resolved 06/25/2025 - Received LOE as " These are joint personal statements with the borrower listed as an owner of accounts. No access letter is required on this product", condition resolved. | Resolved 06/25/2025 - Received LOE as " These are joint personal statements with the borrower listed as an owner of accounts. No access letter is required on this product", condition resolved. | Resolved 06/25/2025 - Received LOE as " These are joint personal statements with the borrower listed as an owner of accounts. No access letter is required on this product", condition resolved. |  |  | QC Complete | 06/12/2025 | 06/25/2025 | 06/25/2025 | 06/12/2025 |
|  | V3RKQPOTKE0 |  |  |  | California |  | Purchase | Not Covered/Exempt | 4 | 1 | Credit | Property | V3RKQPOTKE0-IHR1EG0T | Resolved | 4 | R | \* Property Type unacceptable under guidelines (Lvl R) | The final 1003 shows the subject property is classified as mixed-use. Per program guidelines, mixed-use properties are ineligible. Provide documentation to support an exception, if applicable.<br>Resolved 06/25/2025 - Received LOX from client as " Appraisal shows Highest and best use is single family residence within subjects marketing area ", condition resolved. | Resolved 06/25/2025 - Received LOX from client as " Appraisal shows Highest and best use is single family residence within subjects marketing area ", condition resolved. | Resolved 06/25/2025 - Received LOX from client as " Appraisal shows Highest and best use is single family residence within subjects marketing area ", condition resolved. |  |  | QC Complete | 06/12/2025 | 06/25/2025 | 06/25/2025 | 06/12/2025 |
|  | SCPBPZGUPKC |  |  |  | Colorado |  | Purchase | Non-QM/Compliant | 3 | 1 | Credit |  | SCPBPZGUPKC-QSFFZZOT | Resolved | 3 | R | \* Hazard Insurance Coverage less than Loan Amount (Lvl R) | Amount of hazard insurance $130,000.00 is not sufficient to cover the loan amount $XXXX<br>Resolved 06/23/2025 - Received LOE from client, condition resolved. | Resolved 06/23/2025 - Received LOE from client, condition resolved. | Resolved 06/23/2025 - Received LOE from client, condition resolved. |  |  | QC Complete | 06/12/2025 | 06/23/2025 | 06/23/2025 | 06/09/2025 |
|  | 52LMDVYL0FV |  |  |  | California |  | Purchase | Non-QM/Compliant | 4 | 2 | Credit | Guidelines | 52LMDVYL0FV-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Fico score of 718 does not meet the guideline for minimum requirement of fico score at 720.<br>A copy of an exception approval letter is available in the loan file. |  |  | DTI: 18.91% DTI is less than the maximum guideline requirement of 50.00%.<br>Reserves: The 24 months of available reserves are more than the guideline requirement of 7 months. |  | QC Complete | 07/07/2025 |  |  | 07/07/2025 |
|  | 52LMDVYL0FV |  |  |  | California |  | Purchase | Non-QM/Compliant | 4 | 2 | Compliance | Compliance | 52LMDVYL0FV-7NVY4BLQ | Resolved | 4 | R | \* State Higher Price Mortgage Loan (Lvl R) | CA AB 260, California 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 California Financial Code.<br>CA AB 260 Higher-Priced Mortgage Loan Test Charged 8.887% Allowed 8.380% Overby +0.507%<br>This loan is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | This loan is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | This loan is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |  |  | QC Complete | 07/07/2025 | 07/07/2025 | 07/07/2025 | 07/07/2025 |
|  | 52LMDVYL0FV |  |  |  | California |  | Purchase | Non-QM/Compliant | 4 | 2 | Compliance | Compliance | 52LMDVYL0FV-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 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.<br>Higher-Priced Mortgage Loan Test Charged 8.887% Allowed 8.380% Overby +0.507%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 07/07/2025 | 07/07/2025 | 07/07/2025 | 07/07/2025 |
|  | FNMJ4V4OWCU |  |  |  | Indiana |  | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | FNMJ4V4OWCU-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | XXXX Findings and 1008 reflects loan amount as "$XXXX". However, Note reflects loan amount as $XXXX. Provide updated LoanScorecard Findings and 1008.<br>Resolved 06/23/2025 - Received corrected loan scorecard and 1008, condition resolved. | Resolved 06/23/2025 - Received corrected loan scorecard and 1008, condition resolved. | Resolved 06/23/2025 - Received corrected loan scorecard and 1008, condition resolved. |  |  | QC Complete | 06/12/2025 | 06/23/2025 | 06/23/2025 | 06/11/2025 |
|  | 2B1OBRRSYDI |  |  |  | California |  | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Doc Issue | 2B1OBRRSYDI-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide updated supplemental report with amount of title insurance covering the loan amount $XXXX<br>Resolved 07/18/2025 - Received Supplemental report, condition resolved. | Resolved 07/18/2025 - Received Supplemental report, condition resolved. | Resolved 07/18/2025 - Received Supplemental report, condition resolved. |  |  | QC Complete | 07/15/2025 | 07/18/2025 | 07/18/2025 | 07/15/2025 |
|  | 2B1OBRRSYDI |  |  |  | California |  | Purchase | Non-QM/Compliant | 3 | 2 | Compliance | Compliance | 2B1OBRRSYDI-IJH0N5PE | Resolved | 3 | R | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl R) | Missing Initial Closing Disclosure.<br>Resolved 07/23/2025: Received Initial Closing Disclosure dated 06/20/2025 and exception is cleared. | Resolved 07/23/2025: Received Initial Closing Disclosure dated 06/20/2025 and exception is cleared. | Resolved 07/23/2025: Received Initial Closing Disclosure dated 06/20/2025 and exception is cleared. |  |  | QC Complete | 07/15/2025 | 07/23/2025 | 07/23/2025 | 07/15/2025 |
|  | 2B1OBRRSYDI |  |  |  | California |  | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | 2B1OBRRSYDI-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Borrower is requesting exception for FTHB living rent free.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 752 FICO exceeds the guideline requirement of 700.<br>DTI: 44.37% DTI is less than the maximum guideline requirement of 50.00%.<br>Reserves: The 38.71 months of available reserves are more than the guideline requirement of 3 months. |  | QC Complete | 07/15/2025 |  |  | 07/15/2025 |
|  | XQVWPOHJIFK |  |  |  | Connecticut |  | Purchase | Non-QM/Compliant | 4 | 1 | Credit | Credit | XQVWPOHJIFK-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of the bank statement for account XXXX for the month of June 2025.<br>Resolved 08/19/2025 - Received bank statement for June month, condition resolved. | Resolved 08/19/2025 - Received bank statement for June month, condition resolved. | Resolved 08/19/2025 - Received bank statement for June month, condition resolved. |  |  | QC Complete | 08/15/2025 | 08/19/2025 | 08/19/2025 | 08/14/2025 |
|  | XQVWPOHJIFK |  |  |  | Connecticut |  | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | XQVWPOHJIFK-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 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<br>Higher-Priced Mortgage Loan Test: Charged 8.427% Allowed 8.290%+ Overby 0.137%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 08/15/2025 | 08/15/2025 | 08/15/2025 | 08/15/2025 |
|  | LO0ZLIUR00V |  |  |  | New York |  | Purchase | Non-QM/Compliant | 3 | 2 | Compliance | Compliance | LO0ZLIUR00V-RO3KRP0K | Cured | 3 | C | \* TRID Violations (Lvl C) | TRID violation due to credit report fee increase on Final CD dated 06/xx/2025. Initial LE dated 05/xx/2025 reflects credit report fee as $100.00 however, Final CD dated 06/xx/2025 reflects the credit report fee as $119.49. Require PCCD/COC to cure the tolerance violation of $19.49.<br>Cured 07/25/2025: Received PCCD and Cure letter of explanation dated 07/24/2025 and exception is cleared. | Cured 07/25/2025: Received PCCD and Cure letter of explanation dated 07/24/2025 and exception is cleared. | Cured 07/25/2025: Received PCCD and Cure letter of explanation dated 07/24/2025 and exception is cleared. |  |  | QC Complete | 10/24/2025 |  |  | 10/24/2025 |
|  | TTCDD2I2JHM |  |  |  | Maryland |  | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | TTCDD2I2JHM-1ORHP9P2 | Resolved | 3 | R | \* Mortgage Riders incomplete / inaccurate (Lvl R) | Provide executed Licensee Information or Affidavit mortgage rider.<br>Resolved 07/30/2025 - Received client response as licensee information & Affidavit mortgage rider is completed by lender not the borrower, condition resolved. | Resolved 07/30/2025 - Received client response as licensee information & Affidavit mortgage rider is completed by lender not the borrower, condition resolved. | Resolved 07/30/2025 - Received client response as licensee information & Affidavit mortgage rider is completed by lender not the borrower, condition resolved. |  |  | QC Complete | 07/21/2025 | 07/30/2025 | 07/30/2025 | 07/18/2025 |
|  | SZYZKBUAF3K |  |  |  | Texas |  | Cash Out | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | SZYZKBUAF3K-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Cash-out amount of $XXXX exceeds the $500,000 maximum limit and the loan-to-value (LTV) ratio is over 60% which exceeds the guidelines.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 781 FICO exceeds the guideline requirement of 700.<br>Residual Income : $18,478.25 monthly  |  | QC Complete | 07/29/2025 |  |  | 07/29/2025 |
|  | KGIODYDUBWQ |  |  |  | California |  | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | KGIODYDUBWQ-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance of $1,200,000.00 on the Title Commitment is less than the loan amount $XXXX<br>Resolved 08/19/2025 - Received title commitment with insured amount, condition resolved. | Resolved 08/19/2025 - Received title commitment with insured amount, condition resolved. | Resolved 08/19/2025 - Received title commitment with insured amount, condition resolved. |  |  | QC Complete | 08/15/2025 | 08/19/2025 | 08/19/2025 | 08/14/2025 |
|  | YAAZUI5Q4L3 |  |  |  | Texas |  | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | YAAZUI5Q4L3-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 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.<br>Higher-Priced Mortgage Loan Test: Charged 9.047% Allowed 8.300% Overby +0.747%.<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 06/10/2025 | 06/10/2025 | 06/10/2025 | 06/09/2025 |
|  | YAAZUI5Q4L3 |  |  |  | Texas |  | Purchase | Non-QM/Compliant | 4 | 1 | Credit | Other Disclosures | YAAZUI5Q4L3-ZXHR0C1D | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | Provide a copy of E&O proof as it is missing.<br>Resolved on 06/16/2025 : Received E&O insurance policy on the revised appraisal , condition resolved. | Resolved on 06/16/2025 : Received E&O insurance policy on the revised appraisal , condition resolved. | Resolved on 06/16/2025 : Received E&O insurance policy on the revised appraisal , condition resolved. |  |  | QC Complete | 06/10/2025 | 06/16/2025 | 06/16/2025 | 06/10/2025 |
|  | WHXOJRAO2ZV |  |  |  | Arizona |  | Cash Out | Non-QM/Compliant | 4 | 1 | Credit | Eligibility | WHXOJRAO2ZV-1QUSX5A6 | Resolved | 4 | R | \* Purpose does not meet eligibility requirement(s) (Lvl R) | Cash out is not permitted on asset qualifier program.<br>Resolved on 06/16/2025 - Received confirmation from client delayed financing , condition resolved. | Resolved on 06/16/2025 - Received confirmation from client delayed financing , condition resolved. | Resolved on 06/16/2025 - Received confirmation from client delayed financing , condition resolved. |  |  | QC Complete | 06/10/2025 | 06/16/2025 | 06/16/2025 | 06/10/2025 |
|  | WHXOJRAO2ZV |  |  |  | Arizona |  | Cash Out | Non-QM/Compliant | 4 | 1 | Credit | Guidelines | WHXOJRAO2ZV-J587LE2V | Resolved | 4 | R | \* Loan does not conform to program guidelines (Lvl R) | The maximum allowable cash-out per guidelines is $500,000 when the LTV exceeds 60%. However, the cash to the borrower is currently $XXXX<br>Resolved on 06/16/2025 - Received confirmation from client delayed financing , condition resolved. | Resolved on 06/16/2025 - Received confirmation from client delayed financing , condition resolved. | Resolved on 06/16/2025 - Received confirmation from client delayed financing , condition resolved. |  |  | QC Complete | 06/10/2025 | 06/16/2025 | 06/16/2025 | 06/09/2025 |
|  | border-left:none; width:74pt'> |  |  | Georgia |  | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | border-left:none; width:112pt'>Resolved | 3 | R | \* Prepayment Rider Missing (Lvl R) | Missing Prepayment Rider.<br>Resolved 08/19/2025 - Received prepayment rider, condition resolved. | Resolved 08/19/2025 - Received prepayment rider, condition resolved. | Resolved 08/19/2025 - Received prepayment rider, condition resolved. |  |  | QC Complete | 08/15/2025 | 08/19/2025 | 08/19/2025 | 08/13/2025 |  |  |
|  | OMOT44F3DCD |  |  |  | Texas |  | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Assets Insufficient | OMOT44F3DCD-RDQHOAL4 | Resolved | 3 | R | \* Assets are not sufficient to close (Lvl R) | Provide the Seller Closing Disclosure (CD) or Settlement Statement reflecting the net proceeds for the property located at XXXX<br>08/21/2025: The copy of Seller CD resolves the condition. | 08/21/2025: The copy of Seller CD resolves the condition. | 08/21/2025: The copy of Seller CD resolves the condition. |  |  | QC Complete | 08/18/2025 | 08/21/2025 | 08/21/2025 | 08/15/2025 |
|  | OMOT44F3DCD |  |  |  | Texas |  | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | OMOT44F3DCD-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of taxes and insurance for property address XXXX<br>Resolved 08/20/2025 - Received LOX as property not having any HOA or Tax info, condition resolved. | Resolved 08/20/2025 - Received LOX as property not having any HOA or Tax info, condition resolved. | Resolved 08/20/2025 - Received LOX as property not having any HOA or Tax info, condition resolved. |  |  | QC Complete | 08/18/2025 | 08/20/2025 | 08/20/2025 | 08/15/2025 |
|  | 3CVJCM0QSGQ |  |  |  | Utah |  | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | 3CVJCM0QSGQ-6AFLOU1Y | Resolved | 3 | R | \* Purchase Contract (Lvl R) | The Final Closing Disclosure (CD), document 1008, and final approval indicate a purchase price of $XXXX. However, the Purchase Agreement, Appraisal, and Title Report reflect a purchase price of $XXXX Please provide a Purchase Addendum reflecting the correct sale price.<br>Resolved 07/24/2025 - Received purchase addendum with XXXX sales price, condition resolved. | Resolved 07/24/2025 - Received purchase addendum with $XXXX sales price, condition resolved. | Resolved 07/24/2025 - Received purchase addendum with $XXXX sales price, condition resolved. |  |  | QC Complete | 07/18/2025 | 07/24/2025 | 07/24/2025 | 07/17/2025 |
|  | CI5UZX0TP04 |  |  |  | Texas |  | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | CI5UZX0TP04-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 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.<br>Higher-Priced Mortgage Loan Test: Charged 9.025% Allowed 8.170% Overby +0.855%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 08/20/2025 | 08/20/2025 | 08/20/2025 | 08/19/2025 |
|  | AE4VL3R23PI |  |  |  | North Carolina |  | Purchase | Non-QM/Compliant | 2 | 2 | Credit |  | AE4VL3R23PI-4ZA4ZEZQ | Waived | 2 | W | \* DTI > 50% (Lvl W) | As per guidelines Maximum DTI 50.00% allowed. Subject loan calculated DTI is 51.41% it is not acceptable <br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 725 FICO exceeds the guideline requirement of 660<br>LTV: 69.93% LTV is less than the guideline requirement of 80.00%. |  | QC Complete | 07/09/2025 |  |  | 07/08/2025 |
|  | OP2JJ1BIU3Z |  |  |  | California |  | Purchase | Non-QM/Compliant | 3 | 2 | Compliance | Compliance | OP2JJ1BIU3Z-L2NRUFUV | Resolved | 3 | R | \* Intent to Proceed Missing (Lvl R) | Missing Intent to Proceed.<br>Resolved 08/18/2025: Received Intent to Proceed dated 06/27/2025 and exception is cleared. | Resolved 08/18/2025: Received Intent to Proceed dated 06/27/2025 and exception is cleared. | Resolved 08/18/2025: Received Intent to Proceed dated 06/27/2025 and exception is cleared. |  |  | QC Complete | 08/14/2025 | 08/18/2025 | 08/18/2025 | 08/13/2025 |
|  | OP2JJ1BIU3Z |  |  |  | California |  | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | OP2JJ1BIU3Z-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Borrower living rent free for 4 years.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 781 FICO exceeds the guideline requirement of 700.<br>LTV: 85.00% LTV is less than the guideline requirement of 90.00%.<br>DTI: 23.63% DTI is less than the maximum guideline requirement of 43.00%. |  | QC Complete | 08/14/2025 |  |  | 08/13/2025 |
|  | XPJEN1X3KZJ |  |  |  | Idaho |  | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | XPJEN1X3KZJ-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of Bank statement for accountXXXX for the month of Oct, Nov Dec(2024) to validate borrower income.<br>Resolved 07/29/2025 - Received Bank statements, condition resolved. | Resolved 07/29/2025 - Received Bank statements, condition resolved. | Resolved 07/29/2025 - Received Bank statements, condition resolved. |  |  | QC Complete | 07/23/2025 | 07/29/2025 | 07/29/2025 | 07/22/2025 |
|  | QHP10ZLBQOJ |  |  |  | Texas |  | Purchase | Non-QM/Compliant | 4 | 2 | Compliance | Compliance | QHP10ZLBQOJ-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 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<br>Higher-Priced Mortgage Loan Test: Charged 9.851% Allowed 8.250% +Overby 1.601%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 08/15/2025 | 08/15/2025 | 08/15/2025 | 08/15/2025 |
|  | QHP10ZLBQOJ |  |  |  | Texas |  | Purchase | Non-QM/Compliant | 4 | 2 | Credit | Guidelines | QHP10ZLBQOJ-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | C09 status for non-permanent resident alien.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 728 FICO exceeds the guideline requirement of 720.<br>Residual Income : $19,194.28 monthly <br>DTI: 39.39% DTI is less than the maximum guideline requirement of 50.00%. |  | QC Complete | 08/15/2025 |  |  | 08/14/2025 |
|  | FTUR1UTRSPI |  |  |  | Illinois |  | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | FTUR1UTRSPI-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide real estate appraisers error and omissions insurance policy, as it is missing.<br>Resolved 06/25/2025 - Received E&O Policy, condition resolved. | Resolved 06/25/2025 - Received E&O Policy, condition resolved. | Resolved 06/25/2025 - Received E&O Policy, condition resolved. |  |  | QC Complete | 06/18/2025 | 06/26/2025 | 06/26/2025 | 06/17/2025 |
|  | RMLMIVRSW4P |  |  |  | Louisiana |  | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | RMLMIVRSW4P-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide hazard Insurance for subject property XXXX with Correct Mortgagee Clause and coverage amount to match loan amount or show 100% replacement cost.<br>Resolved 06/19/2025 - Received LOX from lender that XXXX mortgage is a serving company for XXXX, condition resolved. | Resolved 06/19/2025 - Received LOX from lender that XXXX mortgage is a serving company for XXXX, condition resolved. | Resolved 06/19/2025 - Received LOX from lender that xx mortgage is a serving company for xx, condition resolved. |  |  | QC Complete | 06/09/2025 | 06/19/2025 | 06/19/2025 | 06/06/2025 |
|  | CSKR25XNXNS |  |  |  | Michigan |  | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | CSKR25XNXNS-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 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.<br>Higher-Priced Mortgage Loan Test: Charged 9.042% Allowed 8.330% Overby+0.712%.<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 07/15/2025 | 07/15/2025 | 07/15/2025 | 07/15/2025 |
|  | QHNUKOLBKZN |  |  |  | California |  | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | QHNUKOLBKZN-H3X4TJ0T | Resolved | 3 | R | \* Missing Title evidence (Lvl R) | Missing Title commitment/Preliminary report.<br>Resolved 08/15/2025 - Received Preliminary title report, condition resolved. | Resolved 08/15/2025 - Received Preliminary title report, condition resolved. | Resolved 08/15/2025 - Received Preliminary title report, condition resolved. |  |  | QC Complete | 08/13/2025 | 08/15/2025 | 08/15/2025 | 08/12/2025 |
|  | 2G52YSVAY5O |  |  |  | Colorado |  | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | 2G52YSVAY5O-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide real estate errors and omissions insurance policy as it is missing.<br>Resolved 06/13/2025 - Received appraisal report with E&O Policy, condition resolved. | Resolved 06/13/2025 - Received appraisal report with E&O Policy, condition resolved. | Resolved 06/13/2025 - Received appraisal report with E&O Policy, condition resolved. |  |  | QC Complete | 06/10/2025 | 06/13/2025 | 06/13/2025 | 06/09/2025 |
|  | U1NO2Q345TT |  |  |  | Ohio |  | Purchase | Non-QM/Compliant | 4 | 1 | Credit | Title Policy | U1NO2Q345TT-INMPEQ44 | Resolved | 3 | R | \* Closing Protection Letter Missing (Lvl R) | Missing ATIMA from the XXXX Lender loss payee information on the CPL.<br>Resolved on 06/16/2025 - received CPL letter with ATIMA lender loss payee information , condition resolved. | Resolved on 06/16/2025 - received CPL letter with ATIMA lender loss payee information , condition resolved. | Resolved on 06/16/2025 - received CPL letter with ATIMA lender loss payee information , condition resolved. |  |  | QC Complete | 06/06/2025 | 06/16/2025 | 06/16/2025 | 06/06/2025 |
|  | U1NO2Q345TT |  |  |  | Ohio |  | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | U1NO2Q345TT-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 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.<br>Higher-Priced Mortgage Loan Test: Charged 8.968% Allowed 8.370% Overby +0.598%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 06/06/2025 | 06/06/2025 | 06/06/2025 | 06/05/2025 |
|  | U1NO2Q345TT |  |  |  | Ohio |  | Purchase | Non-QM/Compliant | 4 | 1 | Credit | Credit Report & History | U1NO2Q345TT-EIIIVERL | Resolved | 3 | R | \* Additional Address on Credit Report (Lvl R) | Provide a copy of letter of explanation for additional address reflecting on credit report XXXX<br>Resolved 06/18/2025 - Received response from client as there is no need of LOX for this property as fraud report reflects no red flag, Condition resolved. | Resolved 06/18/2025 - Received response from client as there is no need of LOX for this property as fraud report reflects no red flag, Condition resolved. | Resolved 06/18/2025 - Received response from client as there is no need of LOX for this property as fraud report reflects no red flag, Condition resolved. |  |  | QC Complete | 06/06/2025 | 06/18/2025 | 06/18/2025 | 06/06/2025 |
|  | U1NO2Q345TT |  |  |  | Ohio |  | Purchase | Non-QM/Compliant | 4 | 1 | Credit | Credit | U1NO2Q345TT-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Missing validation of tax preparer license for XXXX<br>Resolved 06/18/2025 - Received PTIN Document, condition resolved. | Resolved 06/18/2025 - Received PTIN Document, condition resolved. | Resolved 06/18/2025 - Received PTIN Document, condition resolved. |  |  | QC Complete | 06/06/2025 | 06/18/2025 | 06/18/2025 | 06/06/2025 |
|  | A25ASDKCVHW |  |  |  | New York |  | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Other Disclosures | A25ASDKCVHW-ZXHR0C1D | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | Missing condo questionnaire.<br>Resolved 08/04/2025 - Received client response as 2-4 unit waiver doesn't required any condo questionnaire, condition resolved. | Resolved 08/04/2025 - Received client response as 2-4 unit waiver doesn't required any condo questionnaire, condition resolved. | Resolved 08/04/2025 - Received client response as 2-4 unit waiver doesn't required any condo questionnaire, condition resolved. |  |  | QC Complete | 07/30/2025 | 08/04/2025 | 08/04/2025 | 07/30/2025 |
|  | 3ROGR5LPSEC |  |  |  | Pennsylvania |  | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | 3ROGR5LPSEC-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Borrower is a FTHB and has been living rent free for 11 years.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 783 FICO exceeds the guideline requirement of 720.<br>Residual Income : $11,875.82 monthly <br>DTI: 41.65% DTI is less than the maximum guideline requirement of 50.00%. |  | QC Complete | 07/30/2025 |  |  | 07/30/2025 |
|  | OVA5TZT24FE |  |  |  | Georgia |  | Refinance | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | OVA5TZT24FE-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Exception allowed for FTHB on second home rate/term refinance if the property was incomplete at original application and not previously occupied.<br>A copy of an exception approval letter is available in the loan file. |  |  | DTI: 35.15% DTI is less than the maximum guideline requirement of 50.00%.<br>Reserves: The 27 months of available reserves are more than the guideline requirement of 5 months. |  | QC Complete | 07/16/2025 |  |  | 07/15/2025 |
|  | BDU3A2GMH3U |  |  |  | California |  | Cash Out | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | BDU3A2GMH3U-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Investment property cash out refinance when the borrower is living rent free<br>A copy of an exception approval letter is available in the loan file. |  |  | DTI: 37.36% DTI is less than the maximum guideline requirement of 50.00%.<br>Residual Income : $11,145.7 monthly |  | QC Complete | 08/15/2025 |  |  | 08/14/2025 |
|  | JJTITMSCJZ2 |  |  |  | Florida |  | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | JJTITMSCJZ2-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 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.<br>Higher-Priced Mortgage Loan Test: Charged 9.093% Allowed 8.370% Overby +0.723%.<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35 | This loan is compliant with regulation 1026.35 |  |  | QC Complete | 06/17/2025 | 06/17/2025 | 06/17/2025 | 06/16/2025 |
|  | UWJRUH54CYZ |  |  |  | New York |  | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | UWJRUH54CYZ-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of Error & omission insurance policy as it is missing<br>Resolved 06/16/2025: The copy of E& O on pg # 49 of the loan file resolves the condition. | Resolved 06/16/2025: The copy of E& O on pg # 49 of the loan file resolves the condition. | Resolved 06/16/2025: The copy of E& O on pg # 49 of the loan file resolves the condition. |  |  | QC Complete | 06/12/2025 | 06/16/2025 | 06/16/2025 | 06/11/2025 |
|  | EYUC1NB5VTY |  |  |  | Oregon |  | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | EYUC1NB5VTY-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide business bank statement of XXXX for Nov 2024, Oct 2024, Sep 2024, as it is missing in loan file.<br>Resolved 06/05/2025 - Received bank statements for months OCT, NOV, SEPT, DEC, condition resolved. | Resolved 06/05/2025 - Received bank statements for months OCT, NOV, SEPT, DEC, condition resolved. | Resolved 06/05/2025 - Received bank statements for months OCT, NOV, SEPT, DEC, condition resolved. |  |  | QC Complete | 06/03/2025 | 06/05/2025 | 06/05/2025 | 06/03/2025 |
|  | EYUC1NB5VTY |  |  |  | Oregon |  | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | EYUC1NB5VTY-IU69FMTM | Resolved | 3 | R | \* Incorrect Property address on Note Document. (Lvl R) | Note, Mortgage, 1008, Final 1003 reflects property city as "XXXX" and Zip code as "XXXX". However, Title, Hazard insurance, Appraisal, CDA reflects property city as "XXXX" and Zip code "XXXX". Provide correct property city and zip code.<br>Resolved 06/25/2025 - Received Corrected mortgage and Note document, condition resolved. | Resolved 06/25/2025 - Received Corrected mortgage and Note document, condition resolved. | Resolved 06/25/2025 - Received Corrected mortgage and Note document, condition resolved. |  |  | QC Complete | 06/03/2025 | 06/25/2025 | 06/25/2025 | 06/03/2025 |
|  | 1ARLRL2ACEB |  |  |  | Texas |  | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | 1ARLRL2ACEB-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide a copy of the Title supplement, as the proposed title insurance amount is not indicated in the title insurance.<br>Resolved 06/24/2025 - Received title report with insured amount, condition resolved. | Resolved 06/24/2025 - Received title report with insured amount, condition resolved. | Resolved 06/24/2025 - Received title report with insured amount, condition resolved. |  |  | QC Complete | 06/18/2025 | 06/24/2025 | 06/24/2025 | 06/17/2025 |
|  | N3MJ5TE1EUB |  |  |  | Louisiana |  | Refinance | Non-QM/Compliant | 4 | 1 | Credit | Credit | N3MJ5TE1EUB-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a quit claim deed to transfer of ownership from XXXX<br>Resolved 07/07/2025 - Received cash sale document, condition resolved. | Resolved 07/07/2025 - Received cash sale document, condition resolved. | Resolved 07/07/2025 - Received cash sale document, condition resolved. |  |  | QC Complete | 07/02/2025 | 07/07/2025 | 07/07/2025 | 07/02/2025 |
|  | N3MJ5TE1EUB |  |  |  | Louisiana |  | Refinance | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | N3MJ5TE1EUB-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 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.<br>Higher-Priced Mortgage Loan Test: Charged 8.657% Allowed 8.390% Overby +0.267%.<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 07/02/2025 | 07/02/2025 | 07/02/2025 | 07/02/2025 |
|  | DRESECYHQWW |  |  |  | Utah |  | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Guidelines | DRESECYHQWW-28GAQH2C | Resolved | 3 | R | \* Income documentation does not meet guidelines (Lvl R) | Missing form 1040 to verify VA benefits non-educational in the amount of $3,831.00.<br>Resolved 07/18/2025 - Received lender LOX as document contains the VA benefit certificate with income, condition resolved. | Resolved 07/18/2025 - Received lender LOX as document contains the VA benefit certificate with income, condition resolved. | Resolved 07/18/2025 - Received lender LOX as document contains the VA benefit certificate with income, condition resolved. |  |  | QC Complete | 07/16/2025 | 07/18/2025 | 07/18/2025 | 07/16/2025 |
|  | 3SYZFNITRJS |  |  |  | Florida |  | Cash Out | Non-QM/Compliant | 3 | 2 | Credit |  | 3SYZFNITRJS-G0TZ53U4 | Resolved | 3 | R | \* Hazard Insurance (Lvl R) | Missing Hazard Insurance with mortgagee clause.<br>Resolved 08/08/2025 - Received hazard insurance with mortgage clause, condition resolved. | Resolved 08/08/2025 - Received hazard insurance with mortgage clause, condition resolved. | Resolved 08/08/2025 - Received hazard insurance with mortgage clause, condition resolved. |  |  | QC Complete | 07/30/2025 | 08/08/2025 | 08/08/2025 | 07/29/2025 |
|  | 3SYZFNITRJS |  |  |  | Florida |  | Cash Out | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | 3SYZFNITRJS-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Allow a disputed collection on credit. XXXX<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 702 FICO exceeds the guideline requirement of 700.<br>Reserves: The 12 months of available reserves are more than the guideline requirement of 3 months.<br>LTV: 60.41% LTV is less than the guideline requirement of 75.00%. |  | QC Complete | 07/30/2025 |  |  | 07/29/2025 |
|  | 4VNQRI3GX50 |  |  |  | Florida |  | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | 4VNQRI3GX50-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | The proposed monthly payment includes a $60 amount categorized as "Other," but no supporting documentation has been provided to identify or verify the source of this expense. Documentation is required to determine whether the amount impacts qualifying ratios or loan eligibility.<br>Resolved 06/26/2025 - Received 1008 without monthly payment, condition resolved. | Resolved 06/26/2025 - Received 1008 without monthly payment, condition resolved. | Resolved 06/26/2025 - Received 1008 without monthly payment, condition resolved. |  |  | QC Complete | 06/20/2025 | 06/26/2025 | 06/26/2025 | 06/20/2025 |
|  | JXHHCLGGRDV |  |  |  | Maryland |  | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | JXHHCLGGRDV-UDN50XOG | Resolved | 3 | R | \* Borrower Identity Missing (Lvl R) | Provide a copy of borrower ID XXXX<br>Resolved 07/18/2025 - Received GOV ID, condition resolved. | Resolved 07/18/2025 - Received GOV ID, condition resolved. | Resolved 07/18/2025 - Received GOV ID, condition resolved. |  |  | QC Complete | 07/16/2025 | 07/18/2025 | 07/18/2025 | 07/15/2025 |
|  | JXHHCLGGRDV |  |  |  | Maryland |  | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | JXHHCLGGRDV-FELD93E2 | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | Missing Settlement Service Provider List.<br>Resolved 07/18/2025: Received Settlement Service Provider List dated 05/28/2025 and exception is cleared. | Resolved 07/18/2025: Received Settlement Service Provider List dated 05/28/2025 and exception is cleared. | Resolved 07/18/2025: Received Settlement Service Provider List dated 05/28/2025 and exception is cleared. |  |  | QC Complete | 07/16/2025 | 07/18/2025 | 07/18/2025 | 07/16/2025 |
|  | JXHHCLGGRDV |  |  |  | Maryland |  | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | JXHHCLGGRDV-L2NRUFUV | Resolved | 3 | R | \* Intent to Proceed Missing (Lvl R) | Missing Intent to Proceed.<br>Resolved 07/18/2025: Received Intent to Proceed dated 05/28/2025 and exception is cleared. | Resolved 07/18/2025: Received Intent to Proceed dated 05/28/2025 and exception is cleared. | Resolved 07/18/2025: Received Intent to Proceed dated 05/28/2025 and exception is cleared. |  |  | QC Complete | 07/16/2025 | 07/18/2025 | 07/18/2025 | 07/16/2025 |
|  | B1B5UDXV2VB |  |  |  | Washington |  | Purchase | Non-QM/Compliant | 3 | 1 | Valuation | Doc Issue | B1B5UDXV2VB-WMO0OGAE | Resolved | 3 | R | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl R) | Provide a copy of Errors and Ommission Insurance Policy, as it is missing.<br>Resolved on 06/16/2025 : Received Appraisal E&O insurance policy, condition resolved. | Resolved on 06/16/2025 : Received Appraisal E&O insurance policy, condition resolved. | Resolved on 06/16/2025 : Received Appraisal E&O insurance policy, condition resolved. |  |  | QC Complete | 06/11/2025 | 06/16/2025 | 06/16/2025 | 06/11/2025 |
|  | QPFE1RC3IPJ |  |  |  | Oregon |  | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Credit | QPFE1RC3IPJ-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Missing copy of Valid Permanent Resident Card (Green Card) for co-borrower XXXX<br>Resolved 08/15/2025 - Received GOV ID, condition resolved. | Resolved 08/15/2025 - Received GOV ID, condition resolved. | Resolved 08/15/2025 - Received GOV ID, condition resolved. |  |  | QC Complete | 07/31/2025 | 08/15/2025 | 08/15/2025 | 07/31/2025 |
|  | QPFE1RC3IPJ |  |  |  | Oregon |  | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | QPFE1RC3IPJ-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance of $2,337,000.00 on the Title Commitment is less than the loan amount $XXXX<br>Resolved 08/05/2025 - Received Final title policy, condition resolved. | Resolved 08/05/2025 - Received Final title policy, condition resolved. | Resolved 08/05/2025 - Received Final title policy, condition resolved. |  |  | QC Complete | 07/31/2025 | 08/05/2025 | 08/05/2025 | 07/30/2025 |
|  | 1GRZTBSIVEW |  |  |  | Maryland |  | Purchase | Not Covered/Exempt | 3 | 1 | Credit |  | 1GRZTBSIVEW-G0TZ53U4 | Resolved | 3 | R | \* Hazard Insurance (Lvl R) | Provide hazard Insurance for subject property XXXX with Correct Mortgagee Clause and coverage amount to match loan amount or show 100% replacement cost.<br>Resolved 07/29/2025 - provide hazard insurance with mortgage clause, condition resolved. | Resolved 07/29/2025 - provide hazard insurance with mortgage clause, condition resolved. | Resolved 07/29/2025 - provide hazard insurance with mortgage clause, condition resolved. |  |  | QC Complete | 07/17/2025 | 07/29/2025 | 07/29/2025 | 07/16/2025 |
|  | YR1SBK0QHPL |  |  |  | California |  | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | YR1SBK0QHPL-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance of $880,000.00 on the Title Commitment is less than the loan amount $XXXX<br>07/30/2025: The copy of the title commitment resolves the condition. | 07/30/2025: The copy of the title commitment resolves the condition. | 07/30/2025: The copy of the title commitment resolves the condition. |  |  | QC Complete | 07/09/2025 | 07/30/2025 | 07/30/2025 | 07/09/2025 |
|  | NRFBRI55EYN |  |  |  | New York |  | Purchase | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | NRFBRI55EYN-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | A copy of an exception approval letter is available in the loan file stating that subject is a duplex with an illegal basement ADU. But, appraiser confirmed in the appraisal report that the subject has a finished basement that was being used by the owner of the subject property, which is very common in the area. It was noted that the basement has gas lines that were capped, and since there is no stove, the subject is not an ADU. Sale #1 & #2 also has similar set up in the basement. |  |  | LTV: 80.00% LTV is less than the guideline requirement of 85.00%.<br>DTI: 35.71% DTI is less than the maximum guideline requirement of 50.00%.<br>FICO: 793 FICO exceeds the guideline requirement of 720.<br>|  | QC Complete | 07/29/2025 |  |  | 07/29/2025 |
|  | JQGWKVBWEE4 |  |  |  | Hawaii |  | Purchase | Not Covered/Exempt | 3 | 1 | Credit |  | JQGWKVBWEE4-QSFFZZOT | Resolved | 3 | R | \* Hazard Insurance Coverage less than Loan Amount (Lvl R) | Provide a copy of Hazard Insurance as it is missing.<br>Resolved 08/20/2025 - Received Hazard insurance, condition resolved. | Resolved 08/20/2025 - Received Hazard insurance, condition resolved. | Resolved 08/20/2025 - Received Hazard insurance, condition resolved. |  |  | QC Complete | 08/18/2025 | 08/20/2025 | 08/20/2025 | 08/15/2025 |
|  | VYFG2R3ID0T |  |  |  | California |  | Cash Out | Not Covered/Exempt | 3 | 1 | Credit |  | VYFG2R3ID0T-QSFFZZOT | Resolved | 3 | R | \* Hazard Insurance Coverage less than Loan Amount (Lvl R) | Dwelling amount of $xx is not sufficient to cover loan amount of $XXXX, provide copy of replacement cost estimator.<br>Resolved 06/23/2025 - Received RCE document, condition resolved. | Resolved 06/23/2025 - Received RCE document, condition resolved. | Resolved 06/23/2025 - Received RCE document, condition resolved. |  |  | QC Complete | 06/09/2025 | 06/23/2025 | 06/23/2025 | 06/03/2025 |
|  | VYFG2R3ID0T |  |  |  | California |  | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit Report & History | VYFG2R3ID0T-EIIIVERL | Resolved | 3 | R | \* Additional Address on Credit Report (Lvl R) | Provide a copy of letter of explanation of additional address reflecting on credit report.(XXXX<br>Resolved 06/18/2025 - Received client LOX as PO BOX address are not questioned, condition resolved. | Resolved 06/18/2025 - Received client LOX as PO BOX address are not questioned, condition resolved. | Resolved 06/18/2025 - Received client LOX as PO BOX address are not questioned, condition resolved. |  |  | QC Complete | 06/09/2025 | 06/18/2025 | 06/18/2025 | 06/06/2025 |
|  | VYFG2R3ID0T |  |  |  | California |  | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Other Disclosures | VYFG2R3ID0T-ZXHR0C1D | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | Provide updated final 1003 REO section property address XXXX Intended Occupancy from Primary Residence.<br>Resolved 06/18/2025 - Received Corrected 1003 for primary residence, condition resolved. | Resolved 06/18/2025 - Received Corrected 1003 for primary residence, condition resolved. | Resolved 06/18/2025 - Received Corrected 1003 for primary residence, condition resolved. |  |  | QC Complete | 06/09/2025 | 06/18/2025 | 06/18/2025 | 06/06/2025 |
|  | KHZPTAQQQHW |  |  |  | Georgia |  | Purchase | Not Covered/Exempt | 3 | 1 | Credit |  | KHZPTAQQQHW-G0TZ53U4 | Resolved | 3 | R | \* Hazard Insurance (Lvl R) | Provide hazard insurance policy with effective date and expiration date.<br>Resolved 08/11/2025 - Received insurance with effective and expiration date, condition resolved. | Resolved 08/11/2025 - Received insurance with effective and expiration date, condition resolved. | Resolved 08/11/2025 - Received insurance with effective and expiration date, condition resolved. |  |  | QC Complete | 07/31/2025 | 08/11/2025 | 08/11/2025 | 07/30/2025 |
|  | DLSZPYUR0KD |  |  |  | California |  | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Doc Issue | DLSZPYUR0KD-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide updated supplemental report with amount of title insurance covering the loan amount $XXXX<br>Resolved 08/05/2025 - Received Final title policy, condition resolved. | Resolved 08/05/2025 - Received Final title policy, condition resolved. | Resolved 08/05/2025 - Received Final title policy, condition resolved. |  |  | QC Complete | 07/16/2025 | 08/05/2025 | 08/05/2025 | 07/15/2025 |
|  | DLSZPYUR0KD |  |  |  | California |  | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | DLSZPYUR0KD-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Request SmartSelf name update due to business change from XXXX<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 736 FICO exceeds the guideline requirement of 700<br>LTV: 61.29% LTV is less than the guideline requirement of 80.00%. |  | QC Complete | 07/16/2025 |  |  | 07/15/2025 |
|  | 5DCHNY0HSEK |  |  |  | Kentucky |  | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | 5DCHNY0HSEK-IJH0N5PE | Resolved | 3 | R | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl R) | Missing Initial Closing Disclosure.<br>Resolved 08/20/2025: Received Initial Closing Disclosure dated 07/28/2025 and exception is cleared. | Resolved 08/20/2025: Received Initial Closing Disclosure dated 07/28/2025 and exception is cleared. | Resolved 08/20/2025: Received Initial Closing Disclosure dated 07/28/2025 and exception is cleared. |  |  | QC Complete | 08/15/2025 | 08/20/2025 | 08/20/2025 | 08/15/2025 |
|  | 5DCHNY0HSEK |  |  |  | Kentucky |  | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | 5DCHNY0HSEK-L2NRUFUV | Resolved | 3 | R | \* Intent to Proceed Missing (Lvl R) | Missing Intent to Proceed.<br>Resolved 08/19/2025: Received Intent to Proceed dated 07/03/2025 and exception is cleared. | Resolved 08/19/2025: Received Intent to Proceed dated 07/03/2025 and exception is cleared. | Resolved 08/19/2025: Received Intent to Proceed dated 07/03/2025 and exception is cleared. |  |  | QC Complete | 08/15/2025 | 08/19/2025 | 08/19/2025 | 08/15/2025 |
|  | Q3SA3Z3WILQ |  |  |  | Michigan |  | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | Q3SA3Z3WILQ-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Requesting exception to permit asset qualifier with funds seasoned less than 6 months (7/3 would be 6 months)<br>A copy of an exception approval letter is available in the loan file. |  |  | DTI: 41.49% DTI is less than the maximum guideline requirement of 43.00%.<br>LTV: 50.62% LTV is less than the guideline requirement of 90.00%.<br>|  | QC Complete | 06/18/2025 |  |  | 06/18/2025 |
|  | IWHS3HJNVSL |  |  |  | California |  | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | IWHS3HJNVSL-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide updated supplemental report with amount of title insurance covering the loan amount $XXXX<br>08/07/2025 Resolved: The copy of title commitment resolves the condition. | 08/07/2025 Resolved: The copy of title commitment resolves the condition. | 08/07/2025 Resolved: The copy of title commitment resolves the condition. |  |  | QC Complete | 07/31/2025 | 08/07/2025 | 08/07/2025 | 07/30/2025 |
|  | IWHS3HJNVSL |  |  |  | California |  | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Doc Issue | IWHS3HJNVSL-WMO0OGAE | Resolved | 3 | R | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl R) | Final 1003,Note,Loan Approval,1008 reflecting Property Address - XXXX Provide a appraisal report and CDA with correct subject property address.<br>Resolved 08/22/2025 : Received corrected Property address in Appraisal Report, Condition resolved. | Resolved 08/22/2025 : Received corrected Property address in Appraisal Report, Condition resolved. | Resolved 08/22/2025 : Received corrected Property address in Appraisal Report, Condition resolved. |  |  | QC Complete | 07/31/2025 | 08/22/2025 | 08/22/2025 | 07/30/2025 |
|  | SZMQRIPXINW |  |  |  | Connecticut |  | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | SZMQRIPXINW-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of Error & Omission insurance policy for the appraisal.<br>Resolved 06/25/2025 - Received E&O Policy, condition resolved. | Resolved 06/25/2025 - Received E&O Policy, condition resolved. | Resolved 06/25/2025 - Received E&O Policy, condition resolved. |  |  | QC Complete | 06/19/2025 | 06/25/2025 | 06/25/2025 | 06/19/2025 |
|  | LU5LYP10CAY |  |  |  | California |  | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | LU5LYP10CAY-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The xx coverage amount on the title report is less than the mortgage loan amount of $XXXX<br>Resolved 07/09/2025 - Received title supplement report, condition resolved. | Resolved 07/09/2025 - Received title supplement report, condition resolved. | Resolved 07/09/2025 - Received title supplement report, condition resolved. |  |  | QC Complete | 07/03/2025 | 07/09/2025 | 07/09/2025 | 07/02/2025 |

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## Exhibit 99.3

**Exhibit 99.3**

![](ex99-3_001.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.**

Executive Summary

NRMLT 2025-NQM6

Dated: November 4, 2025

**290 S. Preston Road \| Suite 370 \| Prosper, TX 75078**<br> **P: 888.892.1843 \| evolvemortgageservices.com**<br>

![](ex99-3_002.jpg)

Forward Thinking. Seamless Solutions.

**EXECUTIVE SUMMARY**

**Overview** 

Evolve Mortgage Services ("Evolve") performed certain due diligence services (the "Review") described below on loans backed by residential properties (the "Loans") originated by a lender and subsequently purchased by Rithm Capital (the "Client"). The Review was conducted via files imaged and provided by the lender or its designee for review. The Review results were conveyed to the Client by a Reliance Letter.

**Sample size and criteria.**

The final population of the Review covered 117 Loans, 39 Residential Loans and 78 Business Purpose Loans, totaling an aggregate original principal balance of approximately $60,592,803.00 Evolve is not aware of the overall securitization population as other third-party review ("TPR") firms may have reviewed loans within the overall securitization loan population.

**Determination of the sample size and computation.**

The Review was conducted consistent with the criteria for Fitch Ratings, Inc. ("Fitch") and Kroll Bond Rating Agency, LLC ("KBRA"), the NRSROs identified in Item 3 of the ABS Due Diligence-15E.

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

Evolve compared data fields on the bid tape provided by the Client and uploaded to the underwriting system to the data found in the Loan file as captured during the Review. The data integrity review was completed versus tapes as provided at the time of initial diligence or subsequently updated. Discrepancies outside of reasonable tolerances were reported. Not all data elements were provided to Evolve on every loan within the securitization population. This comparison, when data was available, included the following data fields:

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Property Street Address |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Property Zip |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;QM Status |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Qualifying Credit Score |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;Qualifying DTI |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;Original Term | &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;Self-Employment Flag |

---

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| | | |
|:---|:---|:---|
| ![](ex99-3_003.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 1 \| P a g e |

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![](ex99-3_002.jpg)

Forward Thinking. Seamless Solutions.

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

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

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

**Credit Report:** Evolve's review included confirming that a credit report that met guideline requirements was present for each borrower and that such borrower's credit profile adhered to the guidelines. In order to make this determination, Evolve: (i) captured the monthly consumer debt payments for use in relevant calculations, (ii) noted and researched the Real Estate Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as appropriate, and (iv) gathered data required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

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

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

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

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

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

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

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

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

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

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

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

**Regulatory Compliance:** Evolve conducted a review to determine whether the loan met certain federal, state and local regulatory requirements at the time of origination when applicable. All applicable tests and disclosure reviews were graded in accordance with the Structured Finance Association ("SFA") published RMBS 3.0 TRID Compliance Review Scope. The Regulatory Compliance Review conducted is fully detailed in Appendix A.

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

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

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

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

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**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

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

**Compliance Results Summary**

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| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;38 | &nbsp;&nbsp;32.48% | &nbsp;&nbsp;38 | &nbsp;&nbsp;32.48% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.85% | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.85% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;78 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;78 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**117** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**117** | &nbsp;&nbsp;**100.00%** |

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**Credit Results Summary**

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|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;100 | &nbsp;&nbsp;85.47% | &nbsp;&nbsp;100 | &nbsp;&nbsp;85.47% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;17 | &nbsp;&nbsp;14.53% | &nbsp;&nbsp;17 | &nbsp;&nbsp;14.53% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**117** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**117** | &nbsp;&nbsp;**100.00%** |

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**Property Valuation Results Summary**

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| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;117 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;116 | &nbsp;&nbsp;99.15% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.85% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**117** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**117** | &nbsp;&nbsp;**100.00%** |

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**Overall Results Summary**

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|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;99 | &nbsp;&nbsp;84.62% | &nbsp;&nbsp;98 | &nbsp;&nbsp;83.76% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;18 | &nbsp;&nbsp;15.38% | &nbsp;&nbsp;19 | &nbsp;&nbsp;16.24% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**117** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**117** | &nbsp;&nbsp;**100.00%** |

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**Data Results Summary**

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| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Time Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;117 | &nbsp;&nbsp;0.85% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;4 | &nbsp;&nbsp;117 | &nbsp;&nbsp;3.42% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;44 | &nbsp;&nbsp;117 | &nbsp;&nbsp;37.61% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;63 | &nbsp;&nbsp;117 | &nbsp;&nbsp;53.85% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;63 | &nbsp;&nbsp;117 | &nbsp;&nbsp;53.85% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;117 | &nbsp;&nbsp;117 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Amortization Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;117 | &nbsp;&nbsp;0.85% |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;117 | &nbsp;&nbsp;0.85% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;117 | &nbsp;&nbsp;0.85% |
| &nbsp;&nbsp;PITI | &nbsp;&nbsp;37 | &nbsp;&nbsp;117 | &nbsp;&nbsp;31.62% |
| &nbsp;&nbsp;Prepayment Penalty Type | &nbsp;&nbsp;73 | &nbsp;&nbsp;117 | &nbsp;&nbsp;62.39% |
| &nbsp;&nbsp;Product Code | &nbsp;&nbsp;66 | &nbsp;&nbsp;117 | &nbsp;&nbsp;56.41% |
| &nbsp;&nbsp;Property Street Address | &nbsp;&nbsp;1 | &nbsp;&nbsp;117 | &nbsp;&nbsp;0.85% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;7 | &nbsp;&nbsp;117 | &nbsp;&nbsp;5.98% |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;12 | &nbsp;&nbsp;117 | &nbsp;&nbsp;10.26% |
| &nbsp;&nbsp;QM Status | &nbsp;&nbsp;117 | &nbsp;&nbsp;117 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Credit Score | &nbsp;&nbsp;4 | &nbsp;&nbsp;117 | &nbsp;&nbsp;3.42% |
| &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;29 | &nbsp;&nbsp;117 | &nbsp;&nbsp;24.79% |
| &nbsp;&nbsp;Self-Employment Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;117 | &nbsp;&nbsp;0.85% |

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**APPENDIX A**

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

 ****

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

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

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

**<u>FOR APPLICATION DATES BEFORE JANUARY 10, 2014</u>**

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and <br> viii) confirm the presence of the Initial Escrow Disclosure Statement in the loan file and proper timing.

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

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

**(V) Federal and state specific late charge and prepayment penalty provisions;**

**(VI) Document Review**

Evolve reviewed each mortgage loan file and verified if the following documents, if applicable, for the Review scope in question at the time of review, were included in the file and if the data on these documents was consistent:

&nbsp;&nbsp;&nbsp;&nbsp;■ Initial
application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;■ Final application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;■ Sales contract;

&nbsp;&nbsp;&nbsp;&nbsp;■ Title/Preliminary Title;

&nbsp;&nbsp;&nbsp;&nbsp;■ Initial TIL;

&nbsp;&nbsp;&nbsp;&nbsp;■ Final TIL;

&nbsp;&nbsp;&nbsp;&nbsp;■ Final HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;■ Initial and final GFE's;

&nbsp;&nbsp;&nbsp;&nbsp;■ Right of Rescission Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage/Deed of Trust;

&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;■ Tangible Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;■ FACTA
disclosures; and

&nbsp;&nbsp;&nbsp;&nbsp;■ Certain
other disclosures related to the enumerated tests set forth herein.

**<u>FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014</u>**

For mortgage loans with application dates on or after January 10, 2014 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014** section above plus:

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**(VII) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026 testing included:**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
that the creditor provided the borrower a list of homeownership counseling organizations within three (3) business days of application;
and

ii) confirm that the list of homeownership counseling organizations was obtained no earlier than 30 days prior to when the list was provided to the loan applicant.

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

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

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

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

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

Evolve reviews applicable loans for compliance with the ATR and QM rule requirements based upon each loan's originator designation (Safe Harbor QM, Higher-priced QM, Temporary SHQM, Temporary HPQM, Non-QM, Exempt from ATR). Evolve determines the loan's status under the ATR or QM rule requirements and assigns a due diligence loan designation. Generally, Evolve notes as a material exception if the due diligence findings do not confirm the originator's loan designation. Additionally, Evolve notes if an originator loan designation was not provided.

 

*<u>Qualified Mortgage</u>*

With respect to QM (Safe Harbor and Higher-priced) designated loans, Evolve reviews the loan to determine whether, based on available information in the loan file: (i) the loan contains risky loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

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

For each QM designated loan that satisfied the applicable requirements enumerated above, Evolve then determines whether the loan is a Safe Harbor QM or Higher Priced QM by comparing the loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage.

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The Review also includes determining, as applicable, whether a loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

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

 

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

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

 

*Note*: for loans designated as QM – agency eligible, Evolve will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

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

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

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

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

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

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

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (2) confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(XI) FIRREA Review**

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

**<u>FOR APPLICATION DATES ON OR AFTER OCTOBER 3, 2015</u>**

For mortgage loans with application dates on or after October 3, 2015 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014 and FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014** sections above plus:

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm that any written estimate of terms or costs provided prior to receipt of a LE contained the required disclosures;

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

vii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

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

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

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

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

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

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

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

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

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

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

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

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

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

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**(XIII) Document Review**

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Loan
Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;■ Closing
Disclosures; and

&nbsp;&nbsp;&nbsp;&nbsp;■ Certain
other disclosures related to the enumerated tests set forth herein.

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## Exhibit 99.3

**Exhibit 99.3 Schedule 1**

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| ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) | ![](ex99-3sch1_001.jpg) |
| **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** |
| **Run Date - 11/06/2025 8:12:05 AM** | **Run Date - 11/06/2025 8:12:05 AM** | **Run Date - 11/06/2025 8:12:05 AM** | **Run Date - 11/06/2025 8:12:05 AM** | **Run Date - 11/06/2025 8:12:05 AM** | **Run Date - 11/06/2025 8:12:05 AM** | **Run Date - 11/06/2025 8:12:05 AM** | **Run Date - 11/06/2025 8:12:05 AM** | **Run Date - 11/06/2025 8:12:05 AM** | **Run Date - 11/06/2025 8:12:05 AM** |
| **LOAN INFORMATION** | **Origination Values** | **AVM Values** | **Desk Review Values** | **Desk Top Review Values** | **BPO Values** | **Field Review Values** | **2055 Values** | **Updated Values** | **Updated Multi Property Values** |

---

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for LTV** | **Appraisal Date** | **Appraisal Type** | **Appraisal Company** | **Appraiser Name** | **Appraiser State License Number** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| xxx | 1634412 | xxx | xxx | xxx | $xxx |  | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx | $0.00 | 0.00% | xxx | Low | xxx |  |  |  | N/A | 2.6 |
| xxx | 1634335 | xxx | xxx | xxx | $xxx |  | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx |  |  | xxx |  | xxx |  |  |  | N/A | 1.9 |
| xxx | 1642363 | xxx | xxx | xxx | $xxx |  | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx | $0.00 | 0.00% | xxx | Low | xxx |  |  |  | N/A | 3 |
| xxx | 1638928 | xxx | xxx | xxx | $xxx | $xxx | $xxx | $xxx | xxx | 1073 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx |  |  | xxx |  | xxx |  |  |  | N/A | 1 |
| xxx | 1643321 | xxx | xxx | xxx | $xxx |  | $xxx | $xxx | xxx | 1025 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx | $0.00 | 0.00% | xxx | Moderate Risk | xxx |  |  |  | N/A |  |
| xxx | 1670177 | xxx | xxx | xxx | $xxx | $xxx | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx |  |  | xxx |  | xxx |  |  |  | N/A | 2.4 |
| xxx | 1642357 | xxx | xxx | xxx | $xxx |  | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx | $0.00 | 0.00% | xxx | Low | xxx |  |  |  | N/A | 4.1 |
| xxx | 1641891 | xxx | xxx | xxx | $xxx |  | $xxx | $xxx | xxx | 1025 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx | $0.00 | 0.00% | xxx | Moderate Risk | xxx |  |  |  | N/A |  |
| xxx | 1642588 | xxx | xxx | xxx | $xxx |  | $xxx | $xxx | xxx | 1025 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx | $0.00 | 0.00% | xxx | Low | xxx |  |  |  | N/A |  |
| xxx | 1641895 | xxx | xxx | xxx | $xxx | $xxx | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx |  |  | xxx |  | xxx |  |  |  | N/A | 1 |
| xxx | 1642562 | xxx | xxx | xxx | $xxx |  | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx |  |  | xxx |  | xxx |  |  |  | N/A | 1 |
| xxx | 1642048 | xxx | xxx | xxx | $xxx |  | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx |  |  | xxx |  | xxx |  |  |  | N/A | 1 |
| xxx | 1642438 | xxx | xxx | xxx | $xxx | $xxx | $xxx | $xxx | xxx | 1073 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx | $0.00 | 0.00% | xxx | Moderate | xxx |  |  |  | N/A | 2.6 |
| xxx | 1642504 | xxx | xxx | xxx | $xxx | $xxx | $xxx | $xxx | xxx | 1073 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx | $0.00 | 0.00% | xxx | Low | xxx |  |  |  | N/A | 2.6 |
| xxx | 1642144 | xxx | xxx | xxx | $xxx | $xxx | $xxx | $xxx | xxx | 1073 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx | $0.00 | 0.00% | xxx | Low | xxx |  |  |  | N/A | 2.6 |
| xxx | 1642146 | xxx | xxx | xxx | $xxx | $xxx | $xxx | $xxx | xxx | 1073 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx | $0.00 | 0.00% | xxx | Low | xxx |  |  |  | N/A | 2.6 |
| xxx | 1641511 | xxx | xxx | xxx | $xxx |  | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx | $xxx | -6.90% | xxx | Moderate | xxx |  |  |  | N/A |  |
| xxx | 1641898 | xxx | xxx | xxx | $xxx | $xxx | $xxx | $xxx | xxx | 1025 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx | $0.00 | 0.00% | xxx | Moderate | xxx |  |  |  | N/A |  |
| xxx | 1641513 | xxx | xxx | xxx | $xxx |  | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx | $0.00 | 0.00% | xxx | Moderate | xxx |  |  |  | N/A |  |
| xxx | 1642565 | xxx | xxx | xxx | $xxx |  | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx | $0.00 | 0.00% | xxx | Low | xxx |  |  |  | N/A |  |
| xxx | 1642077 | xxx | xxx | xxx | $xxx |  | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx | $0.00 | 0.00% | xxx | Low | xxx |  |  |  | N/A | 4.5 |
| xxx | 1642276 | xxx | xxx | xxx | $xxx |  | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx |  |  | xxx |  | xxx |  |  |  | N/A | 2.5 |
| xxx | 1643336 | xxx | xxx | xxx | $xxx | $xxx | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx |  |  | xxx |  | xxx |  |  |  | N/A | 1 |
| xxx | 1642367 | xxx | xxx | xxx | $xxx | $xxx | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx |  |  | xxx |  | xxx |  |  |  | N/A | 1.6 |
| xxx | 1642566 | xxx | xxx | xxx | $xxx |  | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx | $0.00 | 0.00% | xxx | Low | xxx |  |  |  | N/A | 3.9 |
| xxx | 1642371 | xxx | xxx | xxx | $xxx |  | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx |  |  | xxx |  | xxx |  |  |  | N/A | 2 |
| xxx | 1642068 | xxx | xxx | xxx | $xxx |  | $xxx | $xxx | xxx | 1025 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx | $0.00 | 0.00% | xxx | Low | xxx |  |  |  | N/A |  |
| xxx | 1642368 | xxx | xxx | xxx | $xxx |  | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx | $0.00 | 0.00% | xxx | Moderate | xxx |  |  |  | N/A | 3.1 |
| xxx | 1668544 | xxx | xxx | xxx | $xxx |  | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx | $0.00 | 0.00% | xxx | Low | xxx |  |  |  | N/A | 3 |
| xxx | 1641910 | xxx | xxx | xxx | $xxx |  | $xxx | $xxx | xxx | 1025 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx | $0.00 | 0.00% | xxx | Low | xxx |  |  |  | N/A |  |
| xxx | 1641938 | xxx | xxx | xxx | $xxx | $xxx | $xxx | $xxx | xxx | 1073 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx | $0.00 | 0.00% | xxx | Moderate | xxx |  |  |  | N/A | 4.7 |
| xxx | 1641939 | xxx | xxx | xxx | $xxx | $xxx | $xxx | $xxx | xxx | 1073 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx | $0.00 | 0.00% | xxx | Low | xxx |  |  |  | N/A | 4.7 |
| xxx | 1641528 | xxx | xxx | xxx | $xxx | $xxx | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx |  |  | xxx |  | xxx |  |  |  | N/A | 1 |
| xxx | 1642207 | xxx | xxx | xxx | $xxx | $xxx | $xxx | $xxx | xxx | 1073 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx |  |  | xxx |  | xxx |  |  |  | N/A | 1.8 |
| xxx | 1642078 | xxx | xxx | xxx | $xxx |  | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx |  |  | xxx |  | xxx |  |  |  | N/A | 1.3 |
| xxx | 1641911 | xxx | xxx | xxx | $xxx |  | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx | $0.00 | 0.00% | xxx | Low Risk | xxx |  |  |  | N/A |  |
| xxx | 1641940 | xxx | xxx | xxx | $xxx | $xxx | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx | $0.00 | 0.00% | xxx | Moderate | xxx |  |  |  | N/A |  |
| xxx | 1670521 | xxx | xxx | xxx | $xxx | $xxx | $xxx | $xxx | xxx | 1025 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx | $0.00 | 0.00% | xxx | Moderate | xxx |  |  |  | N/A |  |
| xxx | 1641916 | xxx | xxx | xxx | $xxx |  | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx |  |  | xxx |  | xxx |  |  |  | N/A | 1 |
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| xxx | 1642436 | xxx | xxx | xxx | $xxx |  | $xxx | $xxx | xxx | 1025 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx | $0.00 | 0.00% | xxx | Low | xxx |  |  |  | N/A |  |
| xxx | 1642377 | xxx | xxx | xxx | $xxx | $xxx | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx |  |  | xxx |  | xxx |  |  |  | N/A | 1.6 |
| xxx | 1643657 | xxx | xxx | xxx | $xxx | $xxx | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx |  |  | xxx |  | xxx |  |  |  | N/A | 1 |
| xxx | 1641538 | xxx | xxx | xxx | $xxx | $xxx | $xxx | $xxx | xxx | 1073 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx | $0.00 | 0.00% | xxx | Low | xxx |  |  |  | N/A | 4.7 |
| xxx | 1642220 | xxx | xxx | xxx | $xxx |  | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx |  |  | xxx |  | xxx |  |  |  | N/A | 1 |
| xxx | 1641920 | xxx | xxx | xxx | $xxx | $xxx | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx |  |  | xxx |  | xxx |  |  |  | N/A | 1 |
| xxx | 1643659 | xxx | xxx | xxx | $xxx |  | $xxx | $xxx | xxx | 1025 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx | $xxx | -3.23% | xxx | Moderate Risk | xxx |  |  |  | N/A |  |
| xxx | 1668769 | xxx | xxx | xxx | $xxx |  | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx | $0.00 | 0.00% | xxx | Low Risk | xxx |  |  |  | N/A | 1.6 |
| xxx | 1642668 | xxx | xxx | xxx | $xxx |  | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx |  |  | xxx |  | xxx |  |  |  | N/A | 1.9 |
| xxx | 1643671 | xxx | xxx | xxx | $xxx | $xxx | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx | $0.00 | 0.00% | xxx | Low Risk | xxx |  |  |  | N/A |  |
| xxx | 1641945 | xxx | xxx | xxx | $xxx | $xxx | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx | $0.00 | 0.00% | xxx | Low | xxx |  |  |  | N/A |  |
| xxx | 1668551 | xxx | xxx | xxx | $xxx |  | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx | $xxx | -2.86% | xxx | moderate | xxx |  |  |  | N/A |  |
| xxx | 1641543 | xxx | xxx | xxx | $xxx |  | $xxx | $xxx | xxx | 1073 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx |  |  | xxx |  | xxx |  |  |  | N/A | 1 |
| xxx | 1668553 | xxx | xxx | xxx | $xxx |  | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx | $0.00 | 0.00% | xxx | Low Risk | xxx |  |  |  | N/A |  |
| xxx | 1641925 | xxx | xxx | xxx | $xxx | $xxx | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx | $0.00 | 0.00% | xxx | Morderate | xxx |  |  |  | N/A | 3.3 |
| xxx | 1668539 | xxx | xxx | xxx | $xxx | $xxx | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx | $0.00 | 0.00% | xxx | Low | xxx |  |  |  | N/A | 3.1 |
| xxx | 1669503 | xxx | xxx | xxx | $xxx | $xxx | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx | $0.00 | 0.00% | xxx | Low | xxx |  |  |  | N/A | 4.6 |
| xxx | 1642671 | xxx | xxx | xxx | $xxx |  | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx | $0.00 | 0.00% | xxx | Low Risk | xxx |  |  |  | N/A |  |
| xxx | 1642383 | xxx | xxx | xxx | $xxx |  | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx |  |  | xxx |  | xxx |  |  |  | N/A | 2.3 |
| xxx | 1668555 | xxx | xxx | xxx | $xxx | $xxx | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx |  |  | xxx |  | xxx |  |  |  | N/A | 1 |
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| xxx | 1642673 | xxx | xxx | xxx | $xxx |  | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx |  |  | xxx |  | xxx |  |  |  | N/A | 1.8 |
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| xxx | 1643341 | xxx | xxx | xxx | $xxx |  | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx | $0.00 | 0.00% | xxx | Low Risk | xxx |  |  |  | N/A | 3.7 |
| xxx | 1643332 | xxx | xxx | xxx | $xxx |  | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx |  |  | xxx |  | xxx |  |  |  | N/A | 2 |
| xxx | 1643343 | xxx | xxx | xxx | $xxx |  | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx |  |  | xxx |  | xxx |  |  |  | N/A | 1 |
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| xxx | 1643370 | xxx | xxx | xxx | $xxx | $xxx | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx | $0.00 | 0.00% | xxx | Low Risk | xxx |  |  |  | N/A |  |
| xxx | 1670280 | xxx | xxx | xxx | $xxx |  | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx | xxx | $xxx | 2.13% | $xxx | 1004 |  |  |  |  | $xxx |  |  | xxx |  | xxx |  |  |  | N/A |  |
| xxx | 1669488 | xxx | xxx | xxx | $xxx | $xxx | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx |  |  | xxx |  | xxx |  |  |  | N/A | 1.2 |
| xxx | 1643798 | xxx | xxx | xxx | $xxx |  | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx | xxx | $xxx | 0.55% | $xxx | 1004 |  |  |  |  | $xxx |  |  | xxx |  | xxx |  |  |  | N/A | 2.6 |
| xxx | 1643373 | xxx | xxx | xxx | $xxx | $xxx | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx | $0.00 | 0.00% | xxx | Moderate Risk | xxx |  |  |  | N/A | 3 |
| xxx | 1668704 | xxx | xxx | xxx | $xxx | $xxx | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx |  |  | xxx |  | xxx |  |  |  | N/A | 1 |
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| xxx | 1643679 | xxx | xxx | xxx | $xxx |  | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx | $xxx | -5.56% | xxx | Moderate | xxx |  |  |  | N/A |  |
| xxx | 1643806 | xxx | xxx | xxx | $xxx |  | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx | $0.00 | 0.00% | xxx | Low | xxx |  |  |  | N/A |  |
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| xxx | 1668696 | xxx | xxx | xxx | $xxx |  | $xxx | $xxx | xxx | 1025 | xxx | xxx | xxx | xxx | $xxx | 0.24% | $xxx | 1025 |  |  |  |  | $xxx | $xxx | -14.71% | xxx | High | xxx |  |  |  | N/A |  |
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| xxx | 1670539 | xxx | xxx | xxx | $xxx |  | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx |  |  | xxx |  | xxx |  |  |  | N/A | 1 |
| xxx | 1670296 | xxx | xxx | xxx | $xxx | $xxx | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx |  |  | xxx |  | xxx |  |  |  | N/A | 1 |
| xxx | 1670540 | xxx | xxx | xxx | $xxx | $xxx | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx |  |  | xxx |  | xxx |  |  |  | N/A | 1 |
| xxx | 1670958 | xxx | xxx | xxx | $xxx | $xxx | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx |  |  | xxx |  | xxx |  |  |  | N/A | 1 |
| xxx | 1670298 | xxx | xxx | xxx | $xxx | $xxx | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx | $0.00 | 0.00% | xxx | Low Risk | xxx |  |  |  | N/A | 2.5 |
| xxx | 1670542 | xxx | xxx | xxx | $xxx | $xxx | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx |  |  | xxx |  | xxx |  |  |  | N/A | 1.3 |
| xxx | 1670543 | xxx | xxx | xxx | $xxx |  | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx | $0.00 | 0.00% | xxx | Low | xxx |  |  |  | N/A | 3.5 |
| xxx | 1670469 | xxx | xxx | xxx | $xxx | $xxx | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx | $xxx | -7.49% | xxx | Moderate Risk | xxx |  |  |  | N/A | 3.6 |
| xxx | 1670546 | xxx | xxx | xxx | $xxx | $xxx | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx |  |  | xxx |  | xxx |  |  |  | N/A | 1.5 |
| xxx | 1670548 | xxx | xxx | xxx | $xxx | $xxx | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | $xxx |  |  | xxx |  | xxx |  |  |  | N/A | 1 |
| xxx | 1670549 | xxx | xxx | xxx | $xxx |  | $xxx | $xxx | xxx | 1004 | xxx | xxx | xxx | xxx | $xxx | 1.10% | $xxx | 1004 |  |  |  |  | $xxx |  |  | xxx |  | xxx |  |  |  | N/A |  |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 2**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) | ![](ex99-3sch2_001.jpg) |
| **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** |
| **Run Date - 11/06/2025 8:12:05 AM** | **Run Date - 11/06/2025 8:12:05 AM** | **Run Date - 11/06/2025 8:12:05 AM** | **Run Date - 11/06/2025 8:12:05 AM** | **Run Date - 11/06/2025 8:12:05 AM** | **Run Date - 11/06/2025 8:12:05 AM** | **Run Date - 11/06/2025 8:12:05 AM** | **Run Date - 11/06/2025 8:12:05 AM** | **Run Date - 11/06/2025 8:12:05 AM** |
| **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |

---

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| xxx | 1634412 | xxx | xxx | $xxx C | C | C | C | C | C A | A | A | A | A | A |
| xxx | 1634335 | xxx | xxx | $xxx C | A | A | A | A | A C B | A | A | A | A | A B |
| xxx | 1642363 | xxx | xxx | $xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 1638928 | xxx | xxx | $xxx A | A | A | A | A | A | A | A | A | A | A |
| xxx | 1643321 | xxx | xxx | $xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 1670177 | xxx | xxx | $xxx D | A | A | A | A | A D | A | A | A | A | A |
| xxx | 1642357 | xxx | xxx | $xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 1641891 | xxx | xxx | $xxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxx | 1642588 | xxx | xxx | $xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 1641895 | xxx | xxx | $xxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| xxx | 1642562 | xxx | xxx | $xxx C | A | A | A | A | A C | A | A | A | A | A |
| xxx | 1642048 | xxx | xxx | $xxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxx | 1642438 | xxx | xxx | $xxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxx | 1642504 | xxx | xxx | $xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 1642144 | xxx | xxx | $xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 1642146 | xxx | xxx | $xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 1641511 | xxx | xxx | $xxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxx | 1641898 | xxx | xxx | $xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 1641513 | xxx | xxx | $xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 1642565 | xxx | xxx | $xxx A | A | A | A | A | A | A | A | A | A | A |
| xxx | 1642077 | xxx | xxx | $xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 1642276 | xxx | xxx | $xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 1643336 | xxx | xxx | $xxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxx | 1642367 | xxx | xxx | $xxx C | A | A | A | A | A C | A | A | A | A | A |
| xxx | 1642566 | xxx | xxx | $xxx A | A | A | A | A | A | A | A | A | A | A |
| xxx | 1642371 | xxx | xxx | $xxx A | A | A | A | A | A | A | A | A | A | A |
| xxx | 1642068 | xxx | xxx | $xxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxx | 1642368 | xxx | xxx | $xxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxx | 1668544 | xxx | xxx | $xxx C | A | A | A | A | A C | A | A | A | A | A |
| xxx | 1641910 | xxx | xxx | $xxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxx | 1641938 | xxx | xxx | $xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 1641939 | xxx | xxx | $xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 1641528 | xxx | xxx | $xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 1642207 | xxx | xxx | $xxx A | C | C | C | C | C A | A | A | A | A | A |
| xxx | 1642078 | xxx | xxx | $xxx C | C | C | C | C | C A | A | A | A | A | A |
| xxx | 1641911 | xxx | xxx | $xxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxx | 1641940 | xxx | xxx | $xxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| xxx | 1670521 | xxx | xxx | $xxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxx | 1641916 | xxx | xxx | $xxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxx | 1642210 | xxx | xxx | $xxx A | A | A | A | A | A | A | A | A | A | A |
| xxx | 1642436 | xxx | xxx | $xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 1642377 | xxx | xxx | $xxx A | A | A | A | A | A | A | A | A | A | A |
| xxx | 1643657 | xxx | xxx | $xxx C | A | A | A | A | A C B | A | A | A | A | A B |
| xxx | 1641538 | xxx | xxx | $xxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| xxx | 1642220 | xxx | xxx | $xxx A | A | A | A | A | A | A | A | A | A | A |
| xxx | 1641920 | xxx | xxx | $xxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxx | 1643659 | xxx | xxx | $xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 1668769 | xxx | xxx | $xxx B | C | C | C | C | C A | A | A | A | A | A |
| xxx | 1642668 | xxx | xxx | $xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 1643671 | xxx | xxx | $xxx D | C | C | C | C | C A D B | A | A | A | A | A B |
| xxx | 1641945 | xxx | xxx | $xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 1668551 | xxx | xxx | $xxx A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxx | 1641543 | xxx | xxx | $xxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| xxx | 1668553 | xxx | xxx | $xxx A | A | A | A | A | A | A | A | A | A | A |
| xxx | 1641925 | xxx | xxx | $xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 1668539 | xxx | xxx | $xxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxx | 1669503 | xxx | xxx | $xxx C | A | A | A | A | A C B | A | A | A | A | A B |
| xxx | 1642671 | xxx | xxx | $xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 1642383 | xxx | xxx | $xxx A | A | A | A | A | A | A | A | A | A | A |
| xxx | 1668555 | xxx | xxx | $xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 1668558 | xxx | xxx | $xxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| xxx | 1668559 | xxx | xxx | $xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 1642071 | xxx | xxx | $xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 1642673 | xxx | xxx | $xxx B | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A |
| xxx | 1643677 | xxx | xxx | $xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 1643324 | xxx | xxx | $xxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxx | 1643337 | xxx | xxx | $xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 1643341 | xxx | xxx | $xxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxx | 1643332 | xxx | xxx | $xxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxx | 1643343 | xxx | xxx | $xxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxx | 1643326 | xxx | xxx | $xxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxx | 1643370 | xxx | xxx | $xxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxx | 1670280 | xxx | xxx | $xxx D | C | C | C | C | C A D | B | B | B | B | B A |
| xxx | 1669488 | xxx | xxx | $xxx B | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A |
| xxx | 1643798 | xxx | xxx | $xxx A | A | A | A | A | A | A | A | A | A | A |
| xxx | 1643373 | xxx | xxx | $xxx D | A | A | A | A | A D | A | A | A | A | A |
| xxx | 1668704 | xxx | xxx | $xxx C | C | C | C | C | C A B | A | A | A | A | A B |
| xxx | 1668783 | xxx | xxx | $xxx A | C | C | C | C | C A | A | A | A | A | A |
| xxx | 1643374 | xxx | xxx | $xxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxx | 1643679 | xxx | xxx | $xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 1643806 | xxx | xxx | $xxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxx | 1643680 | xxx | xxx | $xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 1668786 | xxx | xxx | $xxx C | A | A | A | A | A C | A | A | A | A | A |
| xxx | 1643809 | xxx | xxx | $xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 1643685 | xxx | xxx | $xxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxx | 1668788 | xxx | xxx | $xxx C | C | C | C | C | C B | A | A | A | A | A B |
| xxx | 1668696 | xxx | xxx | $xxx C | N/A | N/A | N/A | N/A | N/A B C | N/A | N/A | N/A | N/A | N/A B |
| xxx | 1643687 | xxx | xxx | $xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 1643688 | xxx | xxx | $xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 1672198 | xxx | xxx | $xxx A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxx | 1643690 | xxx | xxx | $xxx C | A | A | A | A | A C | A | A | A | A | A |
| xxx | 1670285 | xxx | xxx | $xxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxx | 1643693 | xxx | xxx | $xxx A | C | C | C | C | C A | A | A | A | A | A |
| xxx | 1671838 | xxx | xxx | $xxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| xxx | 1670527 | xxx | xxx | $xxx D | A | A | A | A | A D B | A | A | A | A | A B |
| xxx | 1668710 | xxx | xxx | $xxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxx | 1670286 | xxx | xxx | $xxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| xxx | 1670289 | xxx | xxx | $xxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| xxx | 1670290 | xxx | xxx | $xxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| xxx | 1670530 | xxx | xxx | $xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 1670179 | xxx | xxx | $xxx C | A | A | A | A | A C | A | A | A | A | A |
| xxx | 1670463 | xxx | xxx | $xxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| xxx | 1670292 | xxx | xxx | $xxx C | C | C | C | C | C A | A | A | A | A | A |
| xxx | 1670180 | xxx | xxx | $xxx C | A | A | A | A | A C | A | A | A | A | A |
| xxx | 1670186 | xxx | xxx | $xxx C | A | A | A | A | A C | A | A | A | A | A |
| xxx | 1670538 | xxx | xxx | $xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 1670539 | xxx | xxx | $xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 1670296 | xxx | xxx | $xxx C | A | A | A | A | A C | A | A | A | A | A |
| xxx | 1670540 | xxx | xxx | $xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 1670958 | xxx | xxx | $xxx D | C | C | C | C | C A D | A | A | A | A | A |
| xxx | 1670298 | xxx | xxx | $xxx D | A | A | A | A | A D | A | A | A | A | A |
| xxx | 1670542 | xxx | xxx | $xxx A | A | A | A | A | A | A | A | A | A | A |
| xxx | 1670543 | xxx | xxx | $xxx D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| xxx | 1670469 | xxx | xxx | $xxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxx | 1670546 | xxx | xxx | $xxx A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxx | 1670548 | xxx | xxx | $xxx A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxx | 1670549 | xxx | xxx | $xxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 3**

---

| |
|:---|
| ![](ex99-3sch3_001.jpg) |
| **Business Purpose Data** |
| **Run Date - 11/06/2025 8:12:05 AM** |

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---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| ASF Loan Number | **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Seller Name** | **Originator Name** | **Guideline Author** | **Loan Program** | **Loan Program Date** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Rental Source for Property DTI Calculation** | **Short Term Rental** | **STR Source** | **STR Amount** | **Property DTI** | **Investor DTI** | **Value Used for DSCR Calc** | **DSCR** | **Total DSCR** | **PITIA** | **Lease End Date** | **Original Lease Term** | **Is Lease Month To Month** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Actual Loss Amount** | **HOA Flag** | **HOA Monthly Premium Amount** | **Monthly Property Tax** | **Monthly Insurance Cost** | **Asset Verification** | **Blanket Mortgage Flag** | **Number of Mortgaged Properties With Lender** | **Number of Properties** | **Foreign National Alternative Credit Documentation** | **Foreign National Borrower 1** | **Foreign National Borrower 2** | **Investor Type** | **Months Reserves** | **Number of Years Property Owned** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Qualifying Credit Score** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Months Deed in Lieu** | **Months Short Sale or Pre FC** | **Prior Mtg Rent Late 30d in 12m** | **Prior Mtg Rent Late 60d in 12m** | **Prior Mtg Rent Late 90d in 12m** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Section 8** | **Street Address** | **Borrower 1 Type** | **Borrower 1 Designation** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 2 Type** | **Borrower 2 Designation** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 3 Designation** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 4 Designation** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Personal Guarantee** | **Personal Guaranty Recourse Level** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 1 Number of Mortgaged Properties** | **Guarantor 1 Citizenship** | **Guarantor 1 Asset Verification Level** | **Guarantor 1 Experian FICO** | **Guarantor 1 Equifax FICO** | **Guarantor 1 Trans Union FICO** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** | **Guarantor 2 Number of Mortgaged Properties** | **Guarantor 2 Citizenship** | **Guarantor 2 Asset Verification Level** | **Guarantor 2 Experian FICO** | **Guarantor 2 Equifax FICO** | **Guarantor 2 Trans Union FICO** | **Borrower 1 Employment Status** | **Borrower 2 Employment Status** | **Loan Application Date** | **Sales Contract Date** | **Qualifying Home Value for LTV** | **Number of Units** | **Year Built** | **Total Sq Ft** | **Number of Bedrooms** | **Number of Bathrooms** | **Property Condition** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Borrower Entity Type** | **Name of Borrowing Entity** | **Default Rate Clause** | **Default Rate** | **EIN Number** |
| xxx | 1642363 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $1850.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | xxx | 1.17 | 1.17 | $xxx |  |  |  | Yes | $0.00 | Yes | NO | $xxx | $557.14 | $236.33 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 12 | 9 | US Citizen |  | 763 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | xxx | xxx |  | US Citizen | Stated, Verified | 780 | 763 | 762 |  |  |  |  |  |  |  |  | Not Required |  | xxx |  | $xxx | 1 | 1978 | xxx | 4 | 2 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | xxx | FALSE |  | xxx |
| xxx | 1643321 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $6300.00 |  | 1025 | No |  | 0 |  |  | xxx | 1.31 | 1.31 | $xxx |  |  |  | Yes | $80000.00 |  | NO | $xxx | $1211.23 | $161.17 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 103 | 2 | US Citizen |  | 798 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | xxx | xxx |  | US Citizen | Stated, Verified | 815 | 792 | 798 |  |  |  |  |  |  |  |  | Not Required |  | xxx |  | $xxx | 3 | 1940 | xxx | 7 | 3 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | xxx | TRUE | 18 | xxx |
| xxx | 1642357 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $2050.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | xxx | 1.64 | 1.64 | $xxx |  |  |  | Yes | $0.00 | Yes | NO | $xxx | $142.13 | $83.08 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 99 | 2 | US Citizen | US Citizen | 770 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | xxx | xxx |  | US Citizen | Stated, Verified | 770 | 770 | 776 | xxx | xxx |  | US Citizen | Stated, Verified | 753 |  | 752 | Not Required | Not Required | xxx |  | $xxx | 1 | 1912 | xxx | 2 | 2 | C4 | $xxx | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | xxx | TRUE | 18 | xxx |
| xxx | 1641891 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $7180.00 |  | 1025 | No |  | 0 |  |  | xxx | 1.39 | 1.39 | $xxx |  |  |  | Yes | $36000.00 |  | NO | $xxx | $833.33 | $417.23 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 2 | 30 | US Citizen |  | 779 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | xxx | xxx |  | US Citizen | Stated, Verified | 760 | 779 | 783 |  |  |  |  |  |  |  |  | Not Required |  | xxx |  | $xxx | 4 | 1965 | xxx | 4 | 4 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | xxx | FALSE |  | xxx |
| xxx | 1642588 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $5400.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | xxx | 1.38 | 1.38 | $xxx |  |  |  | Yes | $32400.00 |  | NO | $xxx | $656.92 | $183.39 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 118 | 0.6 | US Citizen |  | 794 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | xxx | xxx |  | US Citizen | Stated, Verified | 794 | 796 | 769 |  |  |  |  |  |  |  |  | Not Required |  | xxx |  | $xxx | 2 | 1883 | xxx | 4 | 3 | C4 | $xxx | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | xxx | TRUE | 18 | xxx |
| xxx | 1641895 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $3500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | xxx | 1.27 | 1.27 | $xxx |  |  |  | Yes | $99800.00 |  | NO | $xxx | $951.12 | $172.42 | Stated, Verified | NO | 1 | 1 |  | No | No | Inexperienced | 11 | 2.5 | US Citizen |  | 788 | 0 | 0 |  |  |  |  |  |  |  |  |  | xxx | Primary | Primary | xxx | xxx | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | xxx | xxx | $xxx | 1 | 1969 | xxx | 4 | 1.1 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | Individual(s) | xxx | TRUE | 18 | xxx |
| xxx | 1642048 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $2300.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | xxx | 1.35 | 1.35 | $xxx |  |  |  | No |  |  | NO | $xxx | $68.84 | $117.88 | Stated, Verified | NO | 1 | 19 |  | No | No | Experienced | 39 | 12 | US Citizen | US Citizen | 739 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx | Primary | Primary | xxx | xxx | Co-Borrower | Co-Borrower | xxx | xxx | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | xxx |  | $xxx | 1 | 1959 | xxx | 3 | 2 | C2 | $xxx | $0.00 |  |  |  |  |  |  |  | Individual(s) | xxx | TRUE | 18 | xxx |
| xxx | 1642438 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $2100.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | xxx | 0.98 | 0.98 | $xxx |  |  |  | No |  |  | NO | $xxx | $370.24 | $79.17 | Stated, Verified | NO | 4 | 4 |  | No | No | Experienced | 1240 | 2 | US Citizen |  | 755 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | xxx | xxx |  | US Citizen | Stated, Verified | 779 | 755 | 738 |  |  |  |  |  |  |  |  | Not Required |  | xxx | xxx | $xxx | 1 | 1935 | xxx | 3 | 1 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | xxx | TRUE | 18 | xxx |
| xxx | 1642504 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $2500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | xxx | 1.16 | 1.16 | $xxx |  |  |  | No |  |  | NO | $xxx | $370.24 | $79.17 | Stated, Verified | NO | 5 | 4 |  | No | No | Experienced | 1240 | 2 | US Citizen |  | 755 | 0 | 0 |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | xxx | xxx |  | US Citizen | Stated, Verified | 779 | 755 | 738 |  |  |  |  |  |  |  |  | Not Required |  | xxx | xxx | $xxx | 1 | 1930 | xxx | 3 | 1 | C2 | $xxx | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | xxx | FALSE |  | xxx |
| xxx | 1642144 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $2500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | xxx | 1.2 | 1.2 | $xxx |  |  |  | No |  |  | NO | $xxx | $300.61 | $79.17 | Stated, Verified | NO | 3 | 4 |  | No | No | Experienced | 1282 | 2 | US Citizen |  | 755 | 0 | 0 |  |  | 0 | 0 | 0 |  | 0 | 0 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | xxx | xxx |  | US Citizen | Stated, Verified | 779 | 755 | 738 |  |  |  |  |  |  |  |  | Not Required |  | xxx | xxx | $xxx | 1 | 1930 | xxx | 3 | 1 | C2 | $xxx | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | xxx | TRUE | 18 | xxx |
| xxx | 1642146 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $3100.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | xxx | 1.32 | 1.32 | $xxx |  |  |  | No |  |  | NO | $xxx | $425.86 | $95.83 | Stated, Verified | NO | 3 | 4 |  | No | No | Experienced | 1129 | 2 | US Citizen |  | 755 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | xxx | xxx |  | US Citizen | Stated, Verified | 779 | 755 | 738 |  |  |  |  |  |  |  |  | Not Required |  | xxx | xxx | $xxx | 1 | 1940 | xxx | 3 | 1 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | xxx | TRUE | 18 | xxx |
| xxx | 1641511 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | Yes | $2300.00 | $2500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | xxx | 1.4 | 1.4 | $xxx | 20260228 | 12 |  | Yes | $205000.00 |  | NO | $xxx | $277.48 | $56.25 | Stated, Verified | NO | 5 | 7 |  | No | No | Experienced | 36 | 3 | US Citizen |  | 752 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | xxx | xxx |  | US Citizen | Stated, Verified | 752 | 751 | 755 |  |  |  |  |  |  |  |  | Not Required |  | xxx |  | $xxx | 1 | 1910 | xxx | 4 | 1.1 | C4 | $xxx | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | xxx | TRUE | 18 | xxx |
| xxx | 1641898 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $2950.00 |  | 1025 | No |  | 0 |  |  | xxx | 1.41 | 1.41 | $xxx |  |  |  | Yes | $35000.00 |  | NO | $xxx | $432.00 | $80.87 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 72 | 4.3 | US Citizen |  | 721 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | xxx | xxx |  | US Citizen | Stated, Verified | 721 | 709 | 756 |  |  |  |  |  |  |  |  | Not Required |  | xxx | xxx | $xxx | 2 | 2025 | xxx | 4 | 4 | C1 | $xxx | $0.00 |  |  |  |  |  |  |  | Corporation | xxx | TRUE | 18 | xxx |
| xxx | 1641513 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $2300.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | xxx | 1.33 | 1.33 | $xxx |  |  |  | Yes | $0.00 | Yes | NO | $xxx | $249.44 | $83.92 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 116 | 3 | US Citizen |  | 752 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | xxx | xxx |  | US Citizen | Stated, Verified | 752 | 751 | 755 |  |  |  |  |  |  |  |  | Not Required |  | xxx |  | $xxx | 1 | 1911 | xxx | 5 | 1 | C4 | $xxx | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | xxx | TRUE | 18 | xxx |
| xxx | 1642077 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $1850.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | xxx | 1.29 | 1.29 | $xxx |  |  |  | No |  |  | NO | $xxx | $196.25 | $240.00 | Stated, Verified | NO | 2 | 3 |  | No | No | Experienced | 41 | 2.2 | Non Permanent Resident Alien |  | 768 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | xxx | xxx |  | Non Permanent Resident Alien | Stated, Verified | 768 | 734 | 777 |  |  |  |  |  |  |  |  | Not Required |  | xxx |  | $xxx | 1 | 1875 | xxx | 3 | 1 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | xxx | TRUE | 18 | xxx |
| xxx | 1642276 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | Yes | $1950.00 | $1950.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | xxx | 1.29 | 1.29 | $xxx | 20250430 | 12 | Yes | No |  |  | NO | $xxx | $208.35 | $240.00 | Stated, Verified | NO | 2 | 3 |  | No | No | Experienced | 26 | 2.2 | Non Permanent Resident Alien |  | 768 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | xxx | xxx |  | Non Permanent Resident Alien | Stated, Verified | 768 | 734 | 777 |  |  |  |  |  |  |  |  | Not Required |  | xxx |  | $xxx | 1 | 1887 | xxx | 3 | 1.1 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | xxx | TRUE | 18 | xxx |
| xxx | 1643336 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | DSCR+Asset Depletion | Yes | No | $0.00 | $3900.00 | FNMA 1007/216 | Other | No |  | 0 |  |  | xxx | 1.25 | 1.25 | $xxx |  |  |  | Yes | $51200.00 |  | NO | $xxx | $1012.92 | $105.50 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 26 | 10 | US Citizen | US Citizen | 801 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | xxx | xxx |  | US Citizen | Stated, Verified | 797 | 801 | 804 | xxx | xxx |  | US Citizen | Stated, Verified | 596 | 632 | 612 | Not Required | Not Required | xxx | xxx | $xxx | 1 | 1948 | xxx | 3 | 2 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | xxx | TRUE | 18 | xxx |
| xxx | 1642068 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $5000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | xxx | 1.22 | 1.22 | $xxx |  |  |  | No |  |  | NO | $xxx | $567.98 | $173.57 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 113 | 5 | US Citizen |  | 754 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | xxx | xxx |  | US Citizen | Stated, Verified | 746 | 761 | 754 |  |  |  |  |  |  |  |  | Not Required |  | xxx |  | $xxx | 2 | 1950 | xxx | 5 | 2 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | xxx | TRUE | 18 | xxx |
| xxx | 1642368 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | Yes | $2000.00 | $2200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | xxx | 1.13 | 1.13 | $xxx | 20250914 | 12 |  | Yes | $84000.00 |  | NO | $xxx | $479.74 | $133.25 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 35 | 0.3 | US Citizen |  | 754 | 0 | 0 |  |  | 0 | 0 | 0 |  |  |  |  | xxx | Primary | Primary | xxx | xxx | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | xxx |  | $xxx | 1 | 1989 | xxx | 2 | 2.1 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | Individual(s) | xxx | TRUE | 18 | xxx |
| xxx | 1641910 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $5500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | xxx | 1.69 | 1.69 | $xxx |  |  |  | Yes | $0.00 | Yes | NO | $xxx | $100.00 | $484.15 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 24 | 14 | US Citizen |  | 762 | 0 | 0 |  |  |  |  |  |  |  |  |  | xxx | Primary | Primary | xxx | xxx | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | xxx |  | $xxx | 3 | 1908 | xxx | 5 | 3 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | Individual(s) | xxx | TRUE | 18 | xxx |
| xxx | 1641938 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $2000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | xxx | 1.22 | 1.22 | $xxx |  |  |  | Yes | $16400.00 |  | YES | $xxx | $138.58 | $34.38 | Stated, Verified | NO | 2 | 3 |  | No | No | Experienced | 97 | 1.6 | Non Permanent Resident Alien | US Citizen | 691 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx | Primary | Primary | xxx | xxx | Co-Borrower | Co-Borrower | xxx | xxx | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | xxx | xxx | $xxx | 1 | 2025 | xxx | 2 | 2 | C1 | $xxx | $0.00 |  |  |  |  |  |  |  | Individual(s) | xxx | TRUE | 18 | xxx |
| xxx | 1641939 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $2000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | xxx | 1.18 | 1.18 | $xxx |  |  |  | Yes | $16400.00 |  | YES | $xxx | $189.50 | $34.38 | Stated, Verified | NO | 2 | 3 |  | No | No | Experienced | 94 | 1.6 | Non Permanent Resident Alien | US Citizen | 691 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx | Primary | Primary | xxx | xxx | Co-Borrower | Co-Borrower | xxx | xxx | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | xxx | xxx | $xxx | 1 | 2025 | xxx | 2 | 2 | C1 | $xxx | $0.00 |  |  |  |  |  |  |  | Individual(s) | xxx | TRUE | 18 | xxx |
| xxx | 1641528 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $2425.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | xxx | 1.13 | 1.13 | $xxx |  |  |  | Yes | $36500.00 |  | YES | $xxx | $479.67 | $95.83 | Stated, Verified | NO | 1 | 1 |  | No | No | Inexperienced | 61 | 2 | US Citizen |  | 757 | 0 | 0 |  |  |  |  |  |  |  |  |  | xxx | Primary | Primary | xxx | xxx | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | xxx | xxx | $xxx | 1 | 2025 | xxx | 4 | 2.1 | C1 | $xxx | $0.00 |  |  |  |  |  |  |  | Individual(s) | xxx | FALSE |  | xxx |
| xxx | 1641911 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | Yes | $3700.00 | $2400.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | xxx | 1.46 | 1.46 | $xxx | 20260301 | 12 | No | Yes | $35546.00 |  | NO | $xxx | $154.21 | $184.11 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 22 | 0.7 | US Citizen |  | 773 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | xxx | xxx |  | US Citizen | Stated, Verified | 747 | 783 | 773 |  |  |  |  |  |  |  |  | Not Required |  | xxx |  | $xxx | 1 | 1971 | xxx | 4 | 3 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | xxx | TRUE | 18 | xxx |
| xxx | 1641940 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $2000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | xxx | 1.41 | 1.41 | $xxx |  |  |  | Yes | $16400.00 |  | YES | $xxx | $143.33 | $38.67 | Stated, Verified | NO | 1 | 1 |  | No | No | Inexperienced | 46 | 1.6 | Non Permanent Resident Alien |  | 703 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx | Primary | Primary | xxx | xxx | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | xxx |  | $xxx | 1 | 2025 | xxx | 2 | 2 | C1 | $xxx | $0.00 |  |  |  |  |  |  |  | Individual(s) | xxx | TRUE | 18 | xxx |
| xxx | 1670521 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $8000.00 |  | 1025 | No |  | 0 |  |  | xxx | 1.14 | 1.14 | $xxx |  |  |  | Yes | $63000.00 |  | NO | $xxx | $1145.83 | $271.50 | Stated, Verified | NO | 1 | 1 |  | Yes | No | Experienced | 71 | 3 | Non Permanent Resident Alien |  |  | 0 | 0 |  |  |  |  |  |  |  |  |  | xxx | Primary | Primary | xxx | xxx | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | xxx | xxx | $xxx | 2 | 1921 | xxx | 4 | 2.1 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | Individual(s) | xxx | FALSE |  | xxx |
| xxx | 1641916 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $3400.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | xxx | 1.47 | 1.47 | $xxx |  |  |  | Yes | $22930.00 |  | NO | $xxx | $551.14 | $207.92 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 8 | 2 | Permanent Resident Alien |  | 695 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | xxx | xxx |  | Permanent Resident Alien | Stated, Verified | 702 | 672 | 695 |  |  |  |  |  |  |  |  | Not Required |  | xxx |  | $xxx | 1 | 1986 | xxx | 4 | 3 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | xxx | TRUE | 18 | xxx |
| xxx | 1642436 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $6200.00 |  | 1025 | No |  | 0 |  |  | xxx | 1.64 | 1.64 | $xxx |  |  |  | Yes | $87000.00 |  | NO | $xxx | $736.41 | $148.50 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 142 | 7 | US Citizen |  | 708 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | xxx | xxx |  | US Citizen | Stated, Verified | 703 | 708 | 720 |  |  |  |  |  |  |  |  | Not Required |  | xxx |  | $xxx | 2 | 1920 | xxx | 9 | 3 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | xxx | FALSE |  | xxx |
| xxx | 1641538 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $2000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | xxx | 1.1 | 1.1 | $xxx |  |  |  | No |  |  | YES | $xxx | $189.50 | $33.64 | Stated, Verified | NO | 1 | 1 |  | No | No | Inexperienced | 19 | 14 | US Citizen |  | 804 | 0 | 0 |  |  |  |  |  |  |  |  |  | xxx | Primary | Primary | xxx | xxx | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | xxx | xxx | $xxx | 1 | 2025 | xxx | 2 | 2 | C1 | $xxx | $0.00 |  |  |  |  |  |  |  | Individual(s) | xxx | TRUE | 18 | xxx |
| xxx | 1641920 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $2400.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | xxx | 1.33 | 1.33 | $xxx |  |  |  | Yes | $0.00 | Yes | YES | $xxx | $330.79 | $95.00 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 164 | 5.7 | Permanent Resident Alien |  | 813 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | xxx | xxx |  | Permanent Resident Alien | Stated, Verified | 825 | 813 | 803 |  |  |  |  |  |  |  |  | Not Required |  | xxx | xxx | $xxx | 1 | 2025 | xxx | 4 | 3 | C1 | $xxx | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | xxx | FALSE |  | xxx |
| xxx | 1643659 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $13500.00 |  | 1025 | No |  | 0 |  |  | xxx | 1.46 | 1.46 | $xxx |  |  |  | No |  |  | NO | $xxx | $434.17 | $435.92 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 104 | 8 | US Citizen |  | 746 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | xxx | xxx |  | US Citizen | Stated, Verified | 764 | 712 | 746 |  |  |  |  |  |  |  |  | Not Required |  | xxx |  | $xxx | 2 | 1901 | xxx | 10 | 7 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | xxx | FALSE |  | xxx |
| xxx | 1642668 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | DSCR+Asset Depletion | Yes | Yes | $4200.00 | $3300.00 | FNMA 1007/216 | Other | No |  | 0 |  |  | xxx | 1.28 | 1.28 | $xxx | 20260115 | 12 | No | Yes | $0.00 | Yes | YES | $xxx | $506.23 | $102.58 | Stated, Verified | NO | 1 | 8 |  | No | No | Experienced | 20 | 4 | US Citizen |  | 670 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | xxx |  | $xxx | 1 | 2020 | xxx | 5 | 3 | C2 | $xxx | $0.00 |  |  |  |  |  |  |  | Trust | xxx | FALSE |  | xxx |
| xxx | 1641945 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | Yes | $6200.00 | $3850.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | xxx | 1.39 | 1.39 | $xxx | 20260630 | 12 | No | Yes | $42200.00 |  | NO | $xxx | $791.67 | $134.48 | Stated, Verified | NO | 1 | 1 |  | No | No | Inexperienced | 5 | 3.9 | US Citizen |  | 762 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx | Primary | Primary | xxx | xxx | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | xxx | xxx | $xxx | 1 | 1991 | xxx | 3 | 2 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | Individual(s) | xxx | TRUE | 18 | xxx |
| xxx | 1668551 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | Yes | $2000.00 | $1850.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | xxx | 1.07 | 1.07 | $xxx | 20260201 | 12 |  | Yes | $0.00 | Yes | NO | $xxx | $126.64 | $54.17 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 75 | 7.1 | US Citizen |  | 733 | 0 | 0 |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | xxx | xxx |  | US Citizen | Stated, Verified | 731 | 739 | 733 |  |  |  |  |  |  |  |  | Not Required |  | xxx |  | $xxx | 1 | 1971 | xxx | 2 | 1 | C2 | $xxx | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | xxx | TRUE | 18 | xxx |
| xxx | 1641543 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | Yes | $4450.00 | $2550.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | xxx | 0.68 | 0.68 | $xxx | 20260630 | 13 | No | No |  |  | YES | $xxx | $878.92 | $0.00 | Stated, Verified | NO | 4 | 17 |  | No | No | Experienced | 4 | 7 | US Citizen | US Citizen | 748 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | xxx | xxx |  | US Citizen | Stated, Verified | 681 | 682 | 723 | xxx | xxx |  | US Citizen | Stated, Verified | 732 | 748 | 762 | Not Required | Not Required | xxx |  | $xxx | 1 | 2024 | xxx | 3 | 3.1 | C1 | $xxx | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | xxx | TRUE | 18 | xxx |
| xxx | 1641925 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | Yes | $2350.00 | $1950.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | xxx | 1.12 | 1.12 | $xxx | 20260531 | 12 |  | Yes | $32508.00 |  | NO | $xxx | $404.21 | $98.21 | Stated, Verified | NO | 1 | 1 |  | Yes | No | Inexperienced | 8 | 4 | Non Permanent Resident Alien |  | 754 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx | Primary | Primary | xxx | xxx | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | xxx | xxx | $xxx | 1 | 2017 | xxx | 3 | 2 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | Individual(s) | xxx | FALSE |  | xxx |
| xxx | 1668539 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | DSCR+Asset Depletion | Yes | No | $0.00 | $2760.00 | FNMA 1007/216 | Other | No |  | 0 |  |  | xxx | 1.25 | 1.25 | $xxx |  |  |  | Yes | $33030.00 |  | YES | $xxx | $321.50 | $243.42 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 4 | 14 | US Citizen | Permanent Resident Alien | 807 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx | Primary | Primary | xxx | xxx | Co-Borrower | Co-Borrower | xxx | xxx | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | xxx | xxx | $xxx | 1 | 1986 | xxx | 3 | 2 | C4 | $xxx | $0.00 |  |  |  |  |  |  |  | Individual(s) | xxx | TRUE | 18 | xxx |
| xxx | 1642671 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $4500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | xxx | 1.18 | 1.18 | $xxx |  |  |  | No |  |  | NO | $xxx | $687.75 | $160.33 | Stated, Verified | NO | 1 | 1 |  | No | No | Inexperienced | 3 | 3.4 | US Citizen |  | 787 | 0 | 0 |  |  | 0 | 0 | 0 |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | xxx | xxx |  | US Citizen | Stated, Verified | 805 | 787 | 777 |  |  |  |  |  |  |  |  | Not Required |  | xxx | xxx | $xxx | 1 | 1929 | xxx | 4 | 1.1 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | xxx | TRUE | 18 | xxx |
| xxx | 1668555 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $4000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | xxx | 1.81 | 1.81 | $xxx |  |  |  | Yes | $82000.00 |  | YES | $xxx | $611.83 | $238.84 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 6 | 2 | US Citizen |  | 759 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | xxx | xxx |  | US Citizen | Stated, Verified | 751 | 766 | 759 |  |  |  |  |  |  |  |  | Not Required |  | xxx | xxx | $xxx | 1 | 2020 | xxx | 4 | 2.1 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | xxx | TRUE | 18 | xxx |
| xxx | 1668558 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $3500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | xxx | 0.88 | 0.88 | $xxx |  |  |  | Yes | $29100.00 |  | NO | $xxx | $822.92 | $163.71 | Stated, Verified | NO | 1 | 1 |  | No | No | Inexperienced | 22 | 18 | US Citizen |  | 766 | 0 | 0 |  |  |  |  |  |  |  |  |  | xxx | Primary | Primary | xxx | xxx | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | xxx | xxx | $xxx | 1 | 1924 | xxx | 2 | 1 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | Individual(s) | xxx | FALSE |  | xxx |
| xxx | 1668559 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $2400.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | xxx | 1.08 | 1.08 | $xxx |  |  |  | Yes | $0.00 | Yes | NO | $xxx | $129.15 | $138.40 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 126 | 2 | US Citizen |  | 790 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | xxx | xxx |  | US Citizen | Stated, Verified | 790 | 803 | 780 |  |  |  |  |  |  |  |  | Not Required |  | xxx |  | $xxx | 1 | 1958 | xxx | 5 | 2 | C2 | $xxx | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | xxx | TRUE | 18 | xxx |
| xxx | 1642071 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | Yes | $1616.00 | $1580.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | xxx | 1.38 | 1.38 | $xxx | 20261031 | 12 | No | Yes | $21800.00 |  | NO | $xxx | $58.02 | $122.83 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 278 | 5 | US Citizen |  | 736 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | xxx | xxx |  | US Citizen | Stated, Verified | 756 | 730 | 736 |  |  |  |  |  |  |  |  | Not Required |  | xxx |  | $xxx | 1 | 1903 | xxx | 3 | 1 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | xxx | TRUE | 18 | xxx |
| xxx | 1642673 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $4200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | xxx | 1.37 | 1.37 | $xxx |  |  |  | No |  |  | NO | $xxx | $299.23 | $96.50 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 59 | 5 | US Citizen |  | 728 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx | Primary | Primary | xxx | xxx | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | xxx |  | $xxx | 1 | 1950 | xxx | 3 | 2 | C4 | $xxx | $0.00 |  |  |  |  |  |  |  | Individual(s) | xxx | FALSE |  | xxx |
| xxx | 1643677 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | P&L | Yes | No | $0.00 | $0.00 |  |  | No |  | 0 | xxx |  | xxx | 0 | 0 | $xxx |  |  |  | Yes | $38500.00 |  | YES | $xxx | $285.50 | $115.77 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 47 | 15 | US Citizen |  | 783 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx | Primary | Primary | xxx | xxx | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | xxx | xxx | $xxx | 1 | 2025 | xxx | 3 | 2 | C1 | $xxx | $0.00 |  |  |  |  |  |  |  | Individual(s) | xxx | TRUE | 18 | xxx |
| xxx | 1643324 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $3600.00 |  | 1025 | No |  | 0 |  |  | xxx | 1.5 | 1.5 | $xxx |  |  |  | Yes | $0.00 | Yes | NO | $xxx | $545.42 | $122.42 | Stated, Verified | NO | 1 | 1 |  | No | No | Inexperienced | 66 | 4 | US Citizen |  | 765 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | xxx | xxx |  | US Citizen | Stated, Verified | 754 | 765 | 775 |  |  |  |  |  |  |  |  | Not Required |  | xxx |  | $xxx | 2 | 1900 | xxx | 4 | 2 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | xxx | TRUE | 18 | xxx |
| xxx | 1643337 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $3700.00 |  | 1025 | No |  | 0 |  |  | xxx | 1.54 | 1.54 | $xxx |  |  |  | Yes | $0.00 | Yes | NO | $xxx | $545.42 | $125.17 | Stated, Verified | NO | 1 | 1 |  | No | No | Inexperienced | 64 | 4 | US Citizen |  | 765 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | xxx | xxx |  | US Citizen | Stated, Verified | 754 | 765 | 775 |  |  |  |  |  |  |  |  | Not Required |  | xxx |  | $xxx | 2 | 1900 | xxx | 5 | 2 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | xxx | TRUE | 18 | xxx |
| xxx | 1643341 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $2500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | xxx | 1.41 | 1.41 | $xxx |  |  |  | Yes | $0.00 | Yes | NO | $xxx | $218.47 | $78.75 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 50 | 4 | US Citizen |  | 773 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | xxx | xxx |  | US Citizen | Stated, Verified | 791 | 754 | 773 |  |  |  |  |  |  |  |  | Not Required |  | xxx |  | $xxx | 1 | 1924 | xxx | 3 | 2 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | xxx | TRUE | 18 | xxx |
| xxx | 1643332 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | Yes | $2500.00 | $2075.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | xxx | 1.06 | 1.06 | $xxx | 20270131 | 24 | No | Yes | $60000.00 |  | NO | $xxx | $284.39 | $103.92 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 102 | 32 | US Citizen |  | 741 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | xxx | xxx |  | US Citizen | Stated, Verified | 727 | 741 | 752 |  |  |  |  |  |  |  |  | Not Required |  | xxx |  | $xxx | 1 | 1930 | xxx | 3 | 2 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | xxx | TRUE | 18 | xxx |
| xxx | 1643343 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $3800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | xxx | 1.1 | 1.1 | $xxx |  |  |  | Yes | $84000.00 |  | NO | $xxx | $582.10 | $153.25 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 113 | 10 | US Citizen |  | 787 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | xxx | xxx |  | US Citizen | Stated, Verified | 826 | 786 | 787 |  |  |  |  |  |  |  |  | Not Required |  | xxx |  | $xxx | 1 | 1955 | xxx | 3 | 1 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | xxx | TRUE | 18 | xxx |
| xxx | 1643326 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $5250.00 |  | 1025 | No |  | 0 |  |  | xxx | 1.31 | 1.31 | $xxx |  |  |  | No |  |  | NO | $xxx | $197.55 | $298.35 | Stated, Verified | NO | 1 | 1 |  | No | No | Inexperienced | 13 | 1.8 | US Citizen |  | 801 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | xxx | xxx |  | US Citizen | Stated, Verified | 821 | 797 | 801 |  |  |  |  |  |  |  |  | Not Required |  | xxx | xxx | $xxx | 4 | 1972 | xxx | 9 | 4 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | xxx | TRUE | 18 | xxx |
| xxx | 1643370 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | Yes | $10800.00 | $8000.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | xxx | 1.32 | 1.32 | $xxx | 20260630 | 12 |  | Yes | $95000.00 |  | YES | $xxx | $2469.79 | $194.50 | Stated, Verified | NO | 1 | 1 |  | No | No | Inexperienced | 202 | 5 | Permanent Resident Alien |  | 766 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | xxx | xxx | $xxx | 1 | 2000 | xxx | 4 | 3.1 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | Trust | xxx | TRUE | 18 | xxx |
| xxx | 1669488 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Bank Statement | Yes | No | $0.00 | $1285.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | xxx |  | xxx | 0 | 0 | $xxx |  |  |  | No |  |  | NO | $xxx | $124.03 | $60.33 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 32 | 6.5 | US Citizen | US Citizen | 746 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx | Primary | Primary | xxx | xxx | Co-Borrower | Co-Borrower | xxx | xxx | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Not Required | xxx | xxx | $xxx | 1 | 1977 | xxx | 1 | 1.1 | C4 | $xxx | $0.00 |  |  |  |  |  |  |  | Individual(s) | xxx | TRUE | 18 | xxx |
| xxx | 1643374 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $3000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | xxx | 1.14 | 1.14 | $xxx |  |  |  | No |  |  | YES | $xxx | $301.08 | $48.17 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 22 | 3.5 | Non Permanent Resident Alien |  | 752 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx | Primary | Primary | xxx | xxx | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | xxx | xxx | $xxx | 1 | 1980 | xxx | 3 | 2.1 | C4 | $xxx | $0.00 |  |  |  |  |  |  |  | Individual(s) | xxx | TRUE | 18 | xxx |
| xxx | 1643679 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | DSCR+Asset Depletion | Yes | Yes | $11850.00 | $6700.00 | FNMA 1007/216 | Other | No |  | 0 |  |  | xxx | 1.86 | 1.86 | $xxx | 20251101 | 12 | No | Yes | $87500.00 |  | NO | $xxx | $1335.22 | $192.56 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 71 | 5 | US Citizen |  | 746 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | xxx | xxx |  | US Citizen | Stated, Verified | 750 | 738 | 746 |  |  |  |  |  |  |  |  | Not Required |  | xxx |  | $xxx | 1 | 2006 | xxx | 7 | 4.1 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | xxx | FALSE |  | xxx |
| xxx | 1643806 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $2800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | xxx | 1.06 | 1.06 | $xxx |  |  |  | Yes | $0.00 | Yes | NO | $xxx | $433.00 | $84.25 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 116 | 15 | US Citizen |  | 765 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | xxx | xxx |  | US Citizen | Stated, Verified | 724 | 773 | 765 |  |  |  |  |  |  |  |  | Not Required |  | xxx |  | $xxx | 1 | 1956 | xxx | 3 | 1 | C4 | $xxx | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | xxx | TRUE | 18 | xxx |
| xxx | 1643680 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $1950.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | xxx | 1.6 | 1.6 | $xxx |  |  |  | No |  |  | NO | $xxx | $139.01 | $58.50 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 34 | 5 | Permanent Resident Alien |  | 776 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | xxx | xxx |  | Permanent Resident Alien | Stated, Verified | 776 | 761 | 782 |  |  |  |  |  |  |  |  | Not Required |  | xxx |  | $xxx | 1 | 1925 | xxx | 4 | 2 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | xxx | FALSE |  | xxx |
| xxx | 1643809 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | DSCR+Asset Depletion | Yes | No | $0.00 | $3000.00 | FNMA 1007/216 | Other | No |  | 0 |  |  | xxx | 1.29 | 1.29 | $xxx |  |  |  | Yes | $41800.00 |  | YES | $xxx | $843.96 | $330.49 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 150 | 6.5 | US Citizen |  | 773 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx | Primary | Primary | xxx | xxx | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | xxx | xxx | $xxx | 1 | 2015 | xxx | 2 | 2 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | Individual(s) | xxx | TRUE | 18 | xxx |
| xxx | 1643685 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $3400.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | xxx | 1.02 | 1.02 | $xxx |  |  |  | Yes | $39500.00 |  | YES | $xxx | $374.75 | $114.07 | Stated, Verified | NO | 1 | 2 |  | Yes | No | Inexperienced | 83 | 10 | Non Permanent Resident Alien |  |  | 0 | 0 |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | xxx | xxx |  | Non Permanent Resident Alien | Stated, Verified |  |  |  |  |  |  |  |  |  |  |  | Not Required |  | xxx | xxx | $xxx | 1 | 2025 | xxx | 4 | 2.1 | C1 | $xxx | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | xxx | TRUE | 18 | xxx |
| xxx | 1668696 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $6600.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | xxx | 1.26 | 1.26 | $xxx |  |  |  | No |  |  | NO | $xxx | $796.77 | $247.57 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 6 | 10 | US Citizen |  | 782 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | xxx | xxx |  | US Citizen | Stated, Verified | 733 | 782 | 791 |  |  |  |  |  |  |  |  | Not Required |  | xxx |  | $xxx | 3 | 1930 | xxx | 8 | 3 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | xxx | FALSE |  | xxx |
| xxx | 1643687 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $3000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | xxx | 0.81 | 0.81 | $xxx |  |  |  | No |  |  | NO | $xxx | $625.00 | $101.20 | Stated, Verified | NO | 1 | 1 |  | No | No | Inexperienced | 4 | 13 | US Citizen |  | 776 | 0 | 0 |  |  |  |  |  |  |  |  |  | xxx | Primary | Primary | xxx | xxx | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | xxx | xxx | $xxx | 1 | 2025 | xxx | 4 | 2 | C1 | $xxx | $0.00 |  |  |  |  |  |  |  | Individual(s) | xxx | FALSE |  | xxx |
| xxx | 1643688 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $2320.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | xxx | 1.01 | 1.01 | $xxx |  |  |  | Yes | $22660.00 |  | NO | $xxx | $351.08 | $130.75 | Stated, Verified | NO | 1 | 1 |  | No | No | Inexperienced | 36 | 5 | Permanent Resident Alien |  | 730 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx | Primary | Primary | xxx | xxx | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | xxx | xxx | $xxx | 1 | 1988 | xxx | 3 | 2 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | Individual(s) | xxx | TRUE | 18 | xxx |
| xxx | 1672198 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | DSCR+Asset Depletion | Yes | No | $0.00 | $2272.00 | FNMA 1007/216 | Other | No |  | 0 |  |  | xxx | 1 | 1 | $xxx |  |  |  | No |  |  | YES | $xxx | $232.74 | $237.50 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 20 | 0.9 | US Citizen |  | 742 | 0 | 0 |  |  | 0 | 0 | 0 |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | xxx | xxx |  | US Citizen | Stated, Verified | 742 | 745 | 729 |  |  |  |  |  |  |  |  | Not Required |  | xxx |  | $xxx | 1 | 1992 | xxx | 3 | 1 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | xxx | TRUE | 18 | xxx |
| xxx | 1670285 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $3000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | xxx | 1.09 | 1.09 | $xxx |  |  |  | No |  |  | YES | $xxx | $398.43 | $98.18 | Stated, Verified | NO | 1 | 1 |  | No | No | Inexperienced | 5 | 2 | US Citizen |  | 762 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | xxx | xxx |  | US Citizen | Stated, Verified | 784 | 762 | 754 |  |  |  |  |  |  |  |  | Not Required |  | xxx | xxx | $xxx | 1 | 1973 | xxx | 3 | 1.1 | C2 | $xxx | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | xxx | TRUE | 18 | xxx |
| xxx | 1671838 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | Yes | $6400.00 | $4100.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | xxx | 1.16 | 1.16 | $xxx | 20260604 | 12 | No | Yes | $0.00 | Yes | NO | $xxx | $703.31 | $155.20 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 103 | 18 | US Citizen |  | 703 | 0 | 0 |  |  | 0 | 0 | 0 | xxx | 0 | 0 |  | xxx | Primary | Primary | xxx | xxx | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | xxx |  | $xxx | 1 | 1972 | xxx | 4 | 2 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | Individual(s) | xxx | TRUE | 18 | xxx |
| xxx | 1668710 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $2000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | xxx | 1.16 | 1.16 | $xxx |  |  |  | Yes | $0.00 | Yes | NO | $xxx | $504.00 | $91.08 | Stated, Verified | NO | 1 | 1 |  | No | No | Inexperienced | 4 | 3 | US Citizen |  | 722 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | xxx | xxx |  | US Citizen | Stated, Verified | 728 | 722 | 714 |  |  |  |  |  |  |  |  | Not Required |  | xxx | xxx | $xxx | 1 | 1915 | xxx | 2 | 1.1 | C4 | $xxx | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | xxx | TRUE | 18 | xxx |
| xxx | 1670286 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $5600.00 |  | 1025 | No |  | 0 |  |  | xxx | 1.27 | 1.27 | $xxx |  |  |  | Yes | $0.00 | Yes | NO | $xxx | $622.87 | $250.00 | Stated, Verified | NO | 18 | 18 |  | No | No | Experienced | 339 | 2 | US Citizen |  | 755 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | xxx | xxx |  | US Citizen | Stated, Verified | 779 | 755 | 738 |  |  |  |  |  |  |  |  | Not Required |  | xxx | xxx | $xxx | 2 | 1940 | xxx | 5 | 2 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | xxx | TRUE | 18 | xxx |
| xxx | 1670289 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $5200.00 |  | 1025 | No |  | 0 |  |  | xxx | 1.09 | 1.09 | $xxx |  |  |  | Yes | $0.00 | Yes | NO | $xxx | $800.77 | $250.00 | Stated, Verified | NO | 18 | 18 |  | No | No | Experienced | 311 | 2 | US Citizen |  | 755 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | xxx | xxx |  | US Citizen | Stated, Verified | 779 | 755 | 738 |  |  |  |  |  |  |  |  | Not Required |  | xxx | xxx | $xxx | 2 | 1940 | xxx | 4 | 2 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | xxx | TRUE | 18 | xxx |
| xxx | 1670290 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $1900.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | xxx | 1.01 | 1.01 | $xxx |  |  |  | Yes | $0.00 | Yes | NO | $xxx | $219.09 | $97.22 | Stated, Verified | NO | 18 | 18 |  | No | No | Experienced | 847 | 2 | US Citizen |  | 755 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | xxx | xxx |  | US Citizen | Stated, Verified | 779 | 755 | 738 |  |  |  |  |  |  |  |  | Not Required |  | xxx | xxx | $xxx | 1 | 1940 | xxx | 1 | 1 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | xxx | TRUE | 18 | xxx |
| xxx | 1670530 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $7000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | xxx | 1.02 | 1.02 | $xxx |  |  |  | No |  |  | YES | $xxx | $560.10 | $0.00 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 86 | 1 | US Citizen |  | 797 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | xxx | xxx |  | US Citizen | Stated, Verified | 797 | 797 | 798 |  |  |  |  |  |  |  |  | Not Required |  | xxx |  | $xxx | 1 | 2006 | xxx | 2 | 1.1 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | Corporation | xxx | FALSE |  | xxx |
| xxx | 1670463 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $2550.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | xxx | 1.24 | 1.24 | $xxx |  |  |  | Yes | $0.00 | Yes | NO | $xxx | $503.35 | $75.83 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 9 | 0 | US Citizen |  | 763 | 0 | 0 |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | xxx | xxx |  | US Citizen | Stated, Verified | 770 | 763 | 755 |  |  |  |  |  |  |  |  | Not Required |  | xxx | xxx | $xxx | 1 | 1952 | xxx | 3 | 1 | C4 | $xxx | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | xxx | TRUE | 18 | xxx |
| xxx | 1670538 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $2500.00 |  | 1025 | No |  | 0 |  |  | xxx | 1.05 | 1.05 | $xxx |  |  |  | Yes | $25000.00 |  | NO | $xxx | $393.40 | $219.86 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 17 | 5 | US Citizen |  | 713 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx | Primary | Primary | xxx | xxx | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | xxx | xxx | $xxx | 2 | 1956 | xxx | 2 | 2 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | Individual(s) | xxx | TRUE | 18 | xxx |
| xxx | 1670539 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $2400.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | xxx | 1.17 | 1.17 | $xxx |  |  |  | Yes | $24000.00 |  | NO | $xxx | $341.09 | $66.72 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 18 | 20 | US Citizen |  | 719 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx | Primary | Primary | xxx | xxx | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | xxx |  | $xxx | 1 | 1974 | xxx | 3 | 1.1 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | Individual(s) | xxx | TRUE | 18 | xxx |
| xxx | 1670540 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $1700.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | xxx | 1.11 | 1.11 | $xxx |  |  |  | Yes | $26000.00 |  | NO | $xxx | $141.93 | $67.61 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 10 | 4 | Permanent Resident Alien |  | 760 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx | Primary | Primary | xxx | xxx | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | xxx | xxx | $xxx | 1 | 2025 | xxx | 3 | 2 | C1 | $xxx | $0.00 |  |  |  |  |  |  |  | Individual(s) | xxx | TRUE | 18 | xxx |
| xxx | 1670543 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $1395.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | xxx | 1.18 | 1.18 | $xxx |  |  |  | Yes | $22000.00 |  | NO | $xxx | $138.80 | $111.50 | Stated, Verified | NO | 1 | 6 |  | Yes | No | Experienced | 98 | 0.8 | Non Permanent Resident Alien |  | 678 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | xxx | xxx |  | Non Permanent Resident Alien | Stated, Verified | 678 | 674 | 682 |  |  |  |  |  |  |  |  | Not Required |  | xxx |  | $xxx | 1 | 1952 | xxx | 3 | 1 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | xxx | TRUE | 18 | xxx |
| xxx | 1670469 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $1700.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | xxx | 1.14 | 1.14 | $xxx |  |  |  | Yes | $0.00 | Yes | NO | $xxx | $183.83 | $83.17 | Stated, Verified | NO | 2 | 2 |  | No | No | Inexperienced | 14 | 4 | US Citizen | US Citizen | 722 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | xxx | xxx |  | US Citizen | Stated, Verified | 728 | 722 | 714 | xxx | xxx |  | US Citizen | Stated, Verified | 689 | 678 | 666 | Not Required | Not Required | xxx | xxx | $xxx | 1 | 1906 | xxx | 2 | 1 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | xxx | TRUE | 18 | xxx |
| xxx | 1670546 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $1400.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | xxx | 1.01 | 1.01 | $xxx |  |  |  | Yes | $25100.00 |  | NO | $xxx | $102.08 | $91.17 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 60 | 25 | US Citizen | US Citizen | 800 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx | Primary | Primary | xxx | xxx | Co-Borrower | Co-Borrower | xxx | xxx | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | xxx | xxx | $xxx | 1 | 1987 | xxx | 2 | 2 | C4 | $xxx | $0.00 |  |  |  |  |  |  |  | Individual(s) | xxx | TRUE | 18 | xxx |
| xxx | 1670548 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | No | $0.00 | $12000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | xxx | 0.8 | 0.8 | $xxx |  |  |  | Yes | $0.00 | Yes | NO | $xxx | $3163.50 | $219.25 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 4 | 5 | US Citizen |  | 775 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx | Primary | Primary | xxx | xxx | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | xxx | xxx | $xxx | 1 | 1999 | xxx | 4 | 3.2 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | Individual(s) | xxx | TRUE | 18 | xxx |
| xxx | 1670549 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Debt Service Coverage | Yes | Yes | $25000.00 | $25000.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | xxx | 1.3 | 1.3 | $xxx | 20260701 | 12 | No | Yes | $150000.00 |  | NO | $xxx | $2083.33 | $577.18 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 51 | 6 | US Citizen |  | 771 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | xxx | xxx |  | US Citizen | Stated, Verified | 780 | 766 | 771 |  |  |  |  |  |  |  |  | Not Required |  | xxx |  | $xxx | 1 | 2024 | xxx | 6 | 4 | C1 | $xxx | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | xxx | TRUE | 18 | xxx |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 4**

---

| |
|:---|
| ![](ex99-3sch4_001.jpg) |
| **Data Compare** |
| **Run Date - 11/06/2025 8:12:05 AM** |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| xxx | 1634412 | xxx | xxx | Doc Type | Alternative Doc | Bank Statement | Verified with lock confirmation and final approval. |
| xxx | 1634412 | xxx | xxx | First Payment Date | xxx | xxx | Verified |
| xxx | 1634412 | xxx | xxx | Maturity Date | xxx | xxx | Verified |
| xxx | 1634412 | xxx | xxx | Note Date | xxx | xxx | Verified |
| xxx | 1634412 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1634335 | xxx | xxx | Doc Type | Alternative Doc | Bank Statement | Verified with loan approval |
| xxx | 1634335 | xxx | xxx | First Payment Date | xxx | xxx | verified |
| xxx | 1634335 | xxx | xxx | Maturity Date | xxx | xxx | verified |
| xxx | 1634335 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1634335 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1634335 | xxx | xxx | Self-Employment Flag | N | Y | Verified with CPA letter |
| xxx | 1639788 | xxx | xxx | Loan Purpose | Refinance (Refi) No - Limited Cash Out | Refinance - Cash Out | Verified cash-out with final CD |
| xxx | 1639788 | xxx | xxx | Maturity Date | xxx | xxx | Verified w/ note |
| xxx | 1639788 | xxx | xxx | Note Date | xxx | xxx | Verified w/ note |
| xxx | 1639788 | xxx | xxx | Product Code | CACT 30 YR FIXED | CACT30YF | Same |
| xxx | 1639788 | xxx | xxx | QM Status |  | Exempt | Organizational Exemption |
| xxx | 1639788 | xxx | xxx | Qualifying DTI | 19.55800 | 0.19558 | Same |
| xxx | 1639788 | xxx | xxx | Self-Employment Flag | N | Y | Verified with CPA letter |
| xxx | 1642363 | xxx | xxx | First Payment Date | xxx | xxx | verified |
| xxx | 1642363 | xxx | xxx | Maturity Date | xxx | xxx | verified |
| xxx | 1642363 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1642363 | xxx | xxx | Prepayment Penalty Type |  | Hard | verified |
| xxx | 1642363 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1638928 | xxx | xxx | Doc Type | Alternative Doc | Bank Statement | Verified with loan approval |
| xxx | 1638928 | xxx | xxx | First Payment Date | xxx | xxx | Verified w/ note |
| xxx | 1638928 | xxx | xxx | Maturity Date | xxx | xxx | Verified w/ note |
| xxx | 1638928 | xxx | xxx | Note Date | xxx | xxx | Verified w/ note |
| xxx | 1638928 | xxx | xxx | PITI | xxx | xxx | Verified PITI only |
| xxx | 1638928 | xxx | xxx | Product Code | CACT 30 YR FIXED | CACT30YF | Same |
| xxx | 1638928 | xxx | xxx | Property Type | Condo-Lo 1-4 Stories | Townhouse | Verified with appraisal |
| xxx | 1638928 | xxx | xxx | QM Status |  | Exempt | Organizational Exemption |
| xxx | 1638928 | xxx | xxx | Qualifying DTI | 44.58600 | 0.44586 | Same |
| xxx | 1643321 | xxx | xxx | First Payment Date | xxx | xxx | verified |
| xxx | 1643321 | xxx | xxx | Maturity Date | xxx | xxx | verified |
| xxx | 1643321 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1643321 | xxx | xxx | Prepayment Penalty Type |  | Hard | verified |
| xxx | 1643321 | xxx | xxx | Product Code | BPACC 30 YR FIXED 5 YEAR PPP STEP DN | BPACC30Y5YPPSD | same |
| xxx | 1643321 | xxx | xxx | Property Zip | xxx | xxx | verified |
| xxx | 1643321 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1670177 | xxx | xxx | Doc Type | Alternative Doc | Bank Statement | verified |
| xxx | 1670177 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1670177 | xxx | xxx | Product Code | CACT 30 YR FIXED | CACT30YF | same |
| xxx | 1670177 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1670177 | xxx | xxx | Qualifying DTI | 47.30400 | 0.47304 | same |
| xxx | 1642357 | xxx | xxx | First Payment Date | xxx | xxx | verified |
| xxx | 1642357 | xxx | xxx | Maturity Date | xxx | xxx | verified |
| xxx | 1642357 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1642357 | xxx | xxx | Prepayment Penalty Type |  | Hard | verified |
| xxx | 1642357 | xxx | xxx | Property Zip | xxx | xxx | verified |
| xxx | 1642357 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1641891 | xxx | xxx | First Payment Date | xxx | xxx | verified |
| xxx | 1641891 | xxx | xxx | Maturity Date | xxx | xxx | verified |
| xxx | 1641891 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1641891 | xxx | xxx | Prepayment Penalty Type |  | Hard | verified |
| xxx | 1641891 | xxx | xxx | Product Code | BPACC 30 YR FIXED 5 YEAR PPP STEP DN | BPACC30Y5YPPSD | verified |
| xxx | 1641891 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1642588 | xxx | xxx | First Payment Date | xxx | xxx | Verified w/ note |
| xxx | 1642588 | xxx | xxx | Maturity Date | xxx | xxx | Verified w/ note |
| xxx | 1642588 | xxx | xxx | Note Date | xxx | xxx | Verified w/ note |
| xxx | 1642588 | xxx | xxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxx | 1642588 | xxx | xxx | QM Status |  | Exempt | Organizational Exemption |
| xxx | 1641895 | xxx | xxx | First Payment Date | xxx | xxx | Verified w/ note |
| xxx | 1641895 | xxx | xxx | Maturity Date | xxx | xxx | Verified w/ note |
| xxx | 1641895 | xxx | xxx | Note Date | xxx | xxx | Verified w/ note |
| xxx | 1641895 | xxx | xxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxx | 1641895 | xxx | xxx | QM Status |  | Exempt | Organizational Exemption |
| xxx | 1642562 | xxx | xxx | Doc Type | Alternative Doc | Bank Statement | Verified by rate lock |
| xxx | 1642562 | xxx | xxx | First Payment Date | xxx | xxx | Verified w/ note |
| xxx | 1642562 | xxx | xxx | Maturity Date | xxx | xxx | Verified w/ note |
| xxx | 1642562 | xxx | xxx | Note Date | xxx | xxx | Verified w/ note |
| xxx | 1642562 | xxx | xxx | Product Code | CACT 30 YR FIXED | CACT30YF | Same |
| xxx | 1642562 | xxx | xxx | QM Status |  | Exempt | Organizational Exemption |
| xxx | 1642562 | xxx | xxx | Qualifying DTI | 9.92900 | 0.09929 | Same |
| xxx | 1642048 | xxx | xxx | Qualifying Credit Score | 751 | 739 | Credit score 739 is middle credit score for co-borrower |
| xxx | 1642048 | xxx | xxx | First Payment Date | xxx | xxx | verified |
| xxx | 1642048 | xxx | xxx | Maturity Date | xxx | xxx | verified |
| xxx | 1642048 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1642048 | xxx | xxx | Prepayment Penalty Type |  | Hard | verified |
| xxx | 1642048 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1642438 | xxx | xxx | DSCR | 1.160 | 0.980 | Market rent $2100.00/PITI $2153.75=.98 |
| xxx | 1642438 | xxx | xxx | First Payment Date | xxx | xxx | verified |
| xxx | 1642438 | xxx | xxx | Maturity Date | xxx | xxx | verified |
| xxx | 1642438 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1642438 | xxx | xxx | Prepayment Penalty Type |  | Hard | verified |
| xxx | 1642438 | xxx | xxx | Product Code | BPACC 30 YR FIXED 3 YEAR PPP STEP DN | BPACC30YF3YPPSD | Same |
| xxx | 1642438 | xxx | xxx | Property Zip | xxx | xxx | verified |
| xxx | 1642438 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1642504 | xxx | xxx | First Payment Date | xxx | xxx | verified |
| xxx | 1642504 | xxx | xxx | Maturity Date | xxx | xxx | verified |
| xxx | 1642504 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1642504 | xxx | xxx | Prepayment Penalty Type |  | Hard | verified |
| xxx | 1642504 | xxx | xxx | Product Code | BPACC 30 YR FIXED 3 YEAR PPP STEP DN | BPACC30YF3YPPSD | Same |
| xxx | 1642504 | xxx | xxx | Property Zip | xxx | xxx | verified |
| xxx | 1642504 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1642144 | xxx | xxx | First Payment Date | xxx | xxx | verified |
| xxx | 1642144 | xxx | xxx | Maturity Date | xxx | xxx | verified |
| xxx | 1642144 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1642144 | xxx | xxx | Prepayment Penalty Type |  | Hard | verified |
| xxx | 1642144 | xxx | xxx | Product Code | BPACC 30 YR FIXED 3 YEAR PPP STEP DN | BPACC30YF3YPPSD | Same |
| xxx | 1642144 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1642146 | xxx | xxx | First Payment Date | xxx | xxx | verified |
| xxx | 1642146 | xxx | xxx | Maturity Date | xxx | xxx | verified |
| xxx | 1642146 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1642146 | xxx | xxx | Prepayment Penalty Type |  | Hard | verified |
| xxx | 1642146 | xxx | xxx | Product Code | BPACC 30 YR FIXED 3 YEAR PPP STEP DN | BPACC30YF3YPPSD | Same |
| xxx | 1642146 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1641511 | xxx | xxx | First Payment Date | xxx | xxx | verified |
| xxx | 1641511 | xxx | xxx | Maturity Date | xxx | xxx | verified |
| xxx | 1641511 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1641511 | xxx | xxx | Prepayment Penalty Type |  | Hard | verified |
| xxx | 1641511 | xxx | xxx | Product Code | BPACC 30 YR FIXED 5 YEAR PPP STEP DN | BPACC30Y5YPPSD | verified |
| xxx | 1641511 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1641898 | xxx | xxx | First Payment Date | xxx | xxx | Verified w/ note |
| xxx | 1641898 | xxx | xxx | Maturity Date | xxx | xxx | Verified w/ note |
| xxx | 1641898 | xxx | xxx | Note Date | xxx | xxx | Verified w/ note |
| xxx | 1641898 | xxx | xxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxx | 1641898 | xxx | xxx | QM Status |  | Exempt | Organizational Exemption |
| xxx | 1641513 | xxx | xxx | First Payment Date | xxx | xxx | verified |
| xxx | 1641513 | xxx | xxx | Maturity Date | xxx | xxx | verified |
| xxx | 1641513 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1641513 | xxx | xxx | Prepayment Penalty Type |  | Hard | verified |
| xxx | 1641513 | xxx | xxx | Product Code | BPACC 30 YR FIXED 5 YEAR PPP STEP DN | BPACC30Y5YPPSD | Same |
| xxx | 1641513 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1642565 | xxx | xxx | Doc Type | Alternative Doc | P&L | verified |
| xxx | 1642565 | xxx | xxx | First Payment Date | xxx | xxx | Verified w/ note |
| xxx | 1642565 | xxx | xxx | Maturity Date | xxx | xxx | Verified w/ note |
| xxx | 1642565 | xxx | xxx | Note Date | xxx | xxx | Verified w/ note |
| xxx | 1642565 | xxx | xxx | Product Code | CACT 30 YR FIXED | CACT30YF | Same |
| xxx | 1642565 | xxx | xxx | QM Status |  | Exempt | Organizational Exemption |
| xxx | 1642565 | xxx | xxx | Qualifying DTI | 36.88400 | 0.36884 | Same |
| xxx | 1642077 | xxx | xxx | First Payment Date | xxx | xxx | Verified w/ note |
| xxx | 1642077 | xxx | xxx | Maturity Date | xxx | xxx | Verified w/ note |
| xxx | 1642077 | xxx | xxx | Note Date | xxx | xxx | Verified w/ note |
| xxx | 1642077 | xxx | xxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxx | 1642077 | xxx | xxx | Product Code | BPACC 30 YR FIXED 5 YEAR PPP STEP DN | BPACC30Y5YPPSD | Same |
| xxx | 1642077 | xxx | xxx | QM Status |  | Exempt | Organizational Exemption |
| xxx | 1642276 | xxx | xxx | First Payment Date | xxx | xxx | Verified w/ note |
| xxx | 1642276 | xxx | xxx | Maturity Date | xxx | xxx | Verified w/ note |
| xxx | 1642276 | xxx | xxx | Note Date | xxx | xxx | Verified w/ note |
| xxx | 1642276 | xxx | xxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxx | 1642276 | xxx | xxx | Product Code | BPACC 30 YR FIXED 5 YEAR PPP STEP DN | BPACC30Y5YPPSD | Same |
| xxx | 1642276 | xxx | xxx | QM Status |  | Exempt | Organizational Exemption |
| xxx | 1643336 | xxx | xxx | Doc Type | Debt Service Coverage | DSCR+Asset Depletion | Verified with loan approval |
| xxx | 1643336 | xxx | xxx | First Payment Date | xxx | xxx | verified |
| xxx | 1643336 | xxx | xxx | Maturity Date | xxx | xxx | verified |
| xxx | 1643336 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1643336 | xxx | xxx | Prepayment Penalty Type |  | Hard | verified |
| xxx | 1643336 | xxx | xxx | Product Code | BPACC 30 YR FIXED 1 YR PPP | BPACC30YF1YPP | Same |
| xxx | 1643336 | xxx | xxx | Property Zip | xxx | xxx | verified |
| xxx | 1643336 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1642367 | xxx | xxx | Doc Type | Alternative Doc | Bank Statement | Same |
| xxx | 1642367 | xxx | xxx | First Payment Date | xxx | xxx | verified |
| xxx | 1642367 | xxx | xxx | Maturity Date | xxx | xxx | verified |
| xxx | 1642367 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1642367 | xxx | xxx | Product Code | CACT 30 YR FIXED | CACT30YF | Same |
| xxx | 1642367 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1642367 | xxx | xxx | Qualifying DTI | 47.40500 | 0.47405 | Verified DTI 47.40 |
| xxx | 1642566 | xxx | xxx | Doc Type | Alternative Doc | Bank Statement | 24- month bank statement and asset depletion |
| xxx | 1642566 | xxx | xxx | First Payment Date | xxx | xxx | Verified w/ note |
| xxx | 1642566 | xxx | xxx | Maturity Date | xxx | xxx | Verified w/ note |
| xxx | 1642566 | xxx | xxx | Note Date | xxx | xxx | Verified w/ note |
| xxx | 1642566 | xxx | xxx | PITI | xxx | xxx | Audited data does not include $95 HOA monthly fee |
| xxx | 1642566 | xxx | xxx | QM Status |  | Exempt | Organizational Exemption |
| xxx | 1642566 | xxx | xxx | Qualifying DTI | 44.57900 | 0.44140 | Verified |
| xxx | 1642371 | xxx | xxx | Doc Type | Alternative Doc | P&L | verified, loan approval |
| xxx | 1642371 | xxx | xxx | First Payment Date | xxx | xxx | verified |
| xxx | 1642371 | xxx | xxx | Maturity Date | xxx | xxx | verified |
| xxx | 1642371 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1642371 | xxx | xxx | PITI | xxx | xxx | PITI payment, HOA not incl |
| xxx | 1642371 | xxx | xxx | Product Code | CACT 30 YR FIXED | CACT30YF | same |
| xxx | 1642371 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1642371 | xxx | xxx | Qualifying DTI | 41.43100 | 0.41431 | same |
| xxx | 1642068 | xxx | xxx | First Payment Date | xxx | xxx | Verified w/ note |
| xxx | 1642068 | xxx | xxx | Maturity Date | xxx | xxx | Verified w/ note |
| xxx | 1642068 | xxx | xxx | Note Date | xxx | xxx | Verified w/ note |
| xxx | 1642068 | xxx | xxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxx | 1642068 | xxx | xxx | QM Status |  | Exempt | Organizational Exemption |
| xxx | 1642368 | xxx | xxx | DSCR | 1.010 | 1.130 | DSCR Calculation: PITI $1,943.28 / Gross Rents $2,200 = 1.13 |
| xxx | 1642368 | xxx | xxx | First Payment Date | xxx | xxx | verified |
| xxx | 1642368 | xxx | xxx | Maturity Date | xxx | xxx | verified |
| xxx | 1642368 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1642368 | xxx | xxx | PITI | xxx | xxx | Audit data variance due to property taxes verified were lower. Verified with property tax certificate annual taxes $5,756.93 (County Taxes $3085.74 + School Tax w/o Exemption S2,671.19) |
| xxx | 1642368 | xxx | xxx | Prepayment Penalty Type |  | Hard | verified |
| xxx | 1642368 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1668544 | xxx | xxx | Doc Type | Alternative Doc | Bank Statement | Verified with loan approval and lock confirmation |
| xxx | 1668544 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1668544 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1668544 | xxx | xxx | Qualifying DTI | 26.75000 | 0.26750 | Same |
| xxx | 1641910 | xxx | xxx | First Payment Date | xxx | xxx | verified |
| xxx | 1641910 | xxx | xxx | Maturity Date | xxx | xxx | verified |
| xxx | 1641910 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1641910 | xxx | xxx | Prepayment Penalty Type |  | Hard | verified |
| xxx | 1641910 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1641938 | xxx | xxx | First Payment Date | xxx | xxx | Verified w/ note |
| xxx | 1641938 | xxx | xxx | Maturity Date | xxx | xxx | Verified w/ note |
| xxx | 1641938 | xxx | xxx | Note Date | xxx | xxx | Verified w/ note |
| xxx | 1641938 | xxx | xxx | PITI | xxx | xxx | PITI + $571.00 HOA |
| xxx | 1641938 | xxx | xxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxx | 1641938 | xxx | xxx | Product Code | BPACC 30 YR FIXED 5 YEAR PPP STEP DN | BPACC30Y5YPPSD | Same |
| xxx | 1641938 | xxx | xxx | Property Type | Non-Warrantable Condo | Condo-Lo 1-4 Stories | Verified appraisal |
| xxx | 1641938 | xxx | xxx | QM Status |  | Exempt | Organizational Exemption |
| xxx | 1641939 | xxx | xxx | First Payment Date | xxx | xxx | Verified w/ note |
| xxx | 1641939 | xxx | xxx | Maturity Date | xxx | xxx | Verified w/ note |
| xxx | 1641939 | xxx | xxx | Note Date | xxx | xxx | Verified w/ note |
| xxx | 1641939 | xxx | xxx | PITI | xxx | xxx | PITI + $571.00 HOA |
| xxx | 1641939 | xxx | xxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxx | 1641939 | xxx | xxx | Product Code | BPACC 30 YR FIXED 5 YEAR PPP STEP DN | BPACC30Y5YPPSD | Same |
| xxx | 1641939 | xxx | xxx | Property Type | Non-Warrantable Condo | Condo-Lo 1-4 Stories | Verified appraisal |
| xxx | 1641939 | xxx | xxx | QM Status |  | Exempt | Organizational Exemption |
| xxx | 1641528 | xxx | xxx | First Payment Date | xxx | xxx | verified |
| xxx | 1641528 | xxx | xxx | Maturity Date | xxx | xxx | verified |
| xxx | 1641528 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1641528 | xxx | xxx | PITI | xxx | xxx | verified with first payment letter |
| xxx | 1641528 | xxx | xxx | Prepayment Penalty Type |  | Hard | verified |
| xxx | 1641528 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1642207 | xxx | xxx | Doc Type | Alternative Doc | Bank Statement | 12-month bank statement loan |
| xxx | 1642207 | xxx | xxx | First Payment Date | xxx | xxx | verified |
| xxx | 1642207 | xxx | xxx | Maturity Date | xxx | xxx | verified |
| xxx | 1642207 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1642207 | xxx | xxx | PITI | xxx | xxx | $331.00 HOA Fee not included |
| xxx | 1642207 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1642078 | xxx | xxx | Doc Type | Alternative Doc | P&L | Verified with Profit and Loss Statement |
| xxx | 1642078 | xxx | xxx | First Payment Date | xxx | xxx | verified |
| xxx | 1642078 | xxx | xxx | Maturity Date | xxx | xxx | verified |
| xxx | 1642078 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1642078 | xxx | xxx | Product Code | CACT 30 YR FIXED | CACT30YF | Same |
| xxx | 1642078 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1642078 | xxx | xxx | Qualifying DTI | 46.29500 | 0.46295 | Bid tape and Audit Data the same; variance due to decimal placement. |
| xxx | 1641911 | xxx | xxx | First Payment Date | xxx | xxx | verified |
| xxx | 1641911 | xxx | xxx | Maturity Date | xxx | xxx | verified |
| xxx | 1641911 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1641911 | xxx | xxx | Prepayment Penalty Type |  | Hard | verified |
| xxx | 1641911 | xxx | xxx | Product Code | BPACC 30 YR FIXED 3 YEAR PPP STEP DN | BPACC30YF3YPPSD | same |
| xxx | 1641911 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1641940 | xxx | xxx | First Payment Date | xxx | xxx | Verified w/ note |
| xxx | 1641940 | xxx | xxx | Maturity Date | xxx | xxx | Verified w/ note |
| xxx | 1641940 | xxx | xxx | Note Date | xxx | xxx | Verified w/ note |
| xxx | 1641940 | xxx | xxx | PITI | xxx | xxx | Bid Tape reflects PITIA payment; Audit Value does not include the HOA Payment. |
| xxx | 1641940 | xxx | xxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxx | 1641940 | xxx | xxx | Product Code | BPACC 30 YR FIXED 3 YEAR PPP STEP DN | BPACC30YF3YPPSD | Same |
| xxx | 1641940 | xxx | xxx | Property Type | Non-Warrantable Condo | Condo-Lo 1-4 Stories | Bid tape reflects warranty type; audit value verified with appraisal. |
| xxx | 1641940 | xxx | xxx | QM Status |  | Exempt | Organizational Exemption |
| xxx | 1670521 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1670521 | xxx | xxx | Prepayment Penalty Type |  | Hard | verified |
| xxx | 1670521 | xxx | xxx | Product Code | BAMFN 30 YR FIXED 3 YEAR PPP STEP DN | BAMFN30YFIO3PPPSD | Same |
| xxx | 1670521 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1641916 | xxx | xxx | First Payment Date | xxx | xxx | verified |
| xxx | 1641916 | xxx | xxx | Maturity Date | xxx | xxx | verified |
| xxx | 1641916 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1641916 | xxx | xxx | Prepayment Penalty Type |  | Hard | verified |
| xxx | 1641916 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1642210 | xxx | xxx | Doc Type | Alternative Doc | Asset Depletion | Asset depletion $14,854.40 and W2 income $45,000.02. |
| xxx | 1642210 | xxx | xxx | First Payment Date | xxx | xxx | verified |
| xxx | 1642210 | xxx | xxx | Maturity Date | xxx | xxx | verified |
| xxx | 1642210 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1642210 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1642210 | xxx | xxx | Qualifying DTI | 47.20100 | 0.48026 | Within tolerance |
| xxx | 1642436 | xxx | xxx | First Payment Date | xxx | xxx | verified |
| xxx | 1642436 | xxx | xxx | Maturity Date | xxx | xxx | verified |
| xxx | 1642436 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1642436 | xxx | xxx | Prepayment Penalty Type |  | Hard | verified |
| xxx | 1642436 | xxx | xxx | Product Code | BPACC 30 YR FIXED 5 YR PPP | BPACC30Y5YPP | Same |
| xxx | 1642436 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1642377 | xxx | xxx | Doc Type | Alternative Doc | Bank Statement | 12-month bank statement loan. H&O Food Service |
| xxx | 1642377 | xxx | xxx | First Payment Date | xxx | xxx | verified |
| xxx | 1642377 | xxx | xxx | Maturity Date | xxx | xxx | verified |
| xxx | 1642377 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1642377 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1643657 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1643657 | xxx | xxx | PITI | xxx | xxx | less HOA |
| xxx | 1643657 | xxx | xxx | Property Type | PUD-Detached | PUD-Attached | Verified with appraisal |
| xxx | 1643657 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1643657 | xxx | xxx | Qualifying DTI | 39.92300 | 0.42456 | Verified with total debt $9018.91/Total income $21242.67 |
| xxx | 1641538 | xxx | xxx | First Payment Date | xxx | xxx | Verified w/ note |
| xxx | 1641538 | xxx | xxx | Maturity Date | xxx | xxx | Verified w/ note |
| xxx | 1641538 | xxx | xxx | Note Date | xxx | xxx | Verified w/ note |
| xxx | 1641538 | xxx | xxx | PITI | xxx | xxx | Verified PITI only |
| xxx | 1641538 | xxx | xxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxx | 1641538 | xxx | xxx | Property Type | Non-Warrantable Condo | Condo-Mid 5-8 Stories | Verified with appraisal |
| xxx | 1641538 | xxx | xxx | QM Status |  | Exempt | Organizational Exemption |
| xxx | 1642220 | xxx | xxx | Doc Type | Alternative Doc | Bank Statement | Verified with bank statements |
| xxx | 1642220 | xxx | xxx | First Payment Date | xxx | xxx | verified |
| xxx | 1642220 | xxx | xxx | Maturity Date | xxx | xxx | verified |
| xxx | 1642220 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1642220 | xxx | xxx | PITI | xxx | xxx | Audit value higher due to verified taxes of $838.84 higher than submitted taxes $801.79 |
| xxx | 1642220 | xxx | xxx | Product Code | CACT 30 YR FIXED | CACT30YF | Verified one in the same; variance due to audit data reflects abbreviated value. |
| xxx | 1642220 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1642220 | xxx | xxx | Qualifying DTI | 35.34200 | 0.35509 | Audit value difference due to calculated total monthly debts $4606.47 / Income $12,972.89 |
| xxx | 1641920 | xxx | xxx | First Payment Date | xxx | xxx | Verified w/ note |
| xxx | 1641920 | xxx | xxx | Maturity Date | xxx | xxx | Verified w/ note |
| xxx | 1641920 | xxx | xxx | Note Date | xxx | xxx | Verified w/ note |
| xxx | 1641920 | xxx | xxx | PITI | xxx | xxx | HOA fee missing from PITI $83.33 |
| xxx | 1641920 | xxx | xxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxx | 1641920 | xxx | xxx | QM Status |  | Exempt | Organizational Exemption |
| xxx | 1643659 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1643659 | xxx | xxx | Prepayment Penalty Type |  | Hard | verified |
| xxx | 1643659 | xxx | xxx | Product Code | BPACC 30 YR FIXED 2 YR PPP | BPACC30Y2YPP | same |
| xxx | 1643659 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1668769 | xxx | xxx | Doc Type | Alternative Doc | Bank Statement | 12-month personal Bank Statement loan approval |
| xxx | 1668769 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1668769 | xxx | xxx | Product Code | CACT 30 YR FIXED | CACT30YF | Same |
| xxx | 1668769 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1668769 | xxx | xxx | Qualifying DTI | 39.84100 | 0.39841 | Same |
| xxx | 1642668 | xxx | xxx | Doc Type | Debt Service Coverage | DSCR+Asset Depletion | verified |
| xxx | 1642668 | xxx | xxx | First Payment Date | xxx | xxx | verified |
| xxx | 1642668 | xxx | xxx | Maturity Date | xxx | xxx | verified |
| xxx | 1642668 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1642668 | xxx | xxx | PITI | xxx | xxx | Audit Data reflects PITI; bid tape includes HOA Dues of $125 |
| xxx | 1642668 | xxx | xxx | Product Code | BPACC 30 YR FIXED NO PPP | BPACC30Y | same |
| xxx | 1642668 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1643671 | xxx | xxx | Qualifying Credit Score | 791 | 775 | verified with credit report primary wage earner higher of 2 scores utilized |
| xxx | 1643671 | xxx | xxx | Doc Type | Alternative Doc | Bank Statement | verified with loan approval |
| xxx | 1643671 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1643671 | xxx | xxx | PITI | xxx | xxx | verified with first payment letter |
| xxx | 1643671 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1641945 | xxx | xxx | First Payment Date | xxx | xxx | Verified w/ note |
| xxx | 1641945 | xxx | xxx | Maturity Date | xxx | xxx | Verified w/ note |
| xxx | 1641945 | xxx | xxx | Note Date | xxx | xxx | Verified w/ note |
| xxx | 1641945 | xxx | xxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxx | 1641945 | xxx | xxx | QM Status |  | Exempt | Organizational Exemption |
| xxx | 1668551 | xxx | xxx | Note Date | xxx | xxx | Verified w/ note |
| xxx | 1668551 | xxx | xxx | Product Code | BPACC 30 YR FIXED NO PPP | BPACC30Y | Same |
| xxx | 1668551 | xxx | xxx | QM Status |  | Exempt | Organizational Exemption |
| xxx | 1641543 | xxx | xxx | DSCR | 1.180 | 0.680 | No ratio DSCR loan approval - used lesser of the Mkt rent as 2 months proof of rent payment not included for lease starting 06/01/25 |
| xxx | 1641543 | xxx | xxx | First Payment Date | xxx | xxx | Verified w/ note |
| xxx | 1641543 | xxx | xxx | Maturity Date | xxx | xxx | Verified w/ note |
| xxx | 1641543 | xxx | xxx | Note Date | xxx | xxx | Verified w/ note |
| xxx | 1641543 | xxx | xxx | PITI | xxx | xxx | Does not include HOA $147.42/month |
| xxx | 1641543 | xxx | xxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxx | 1641543 | xxx | xxx | QM Status |  | Exempt | Organizational Exemption |
| xxx | 1668553 | xxx | xxx | Doc Type | Alternative Doc | P&L | verified with loan approval |
| xxx | 1668553 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1668553 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1641925 | xxx | xxx | First Payment Date | xxx | xxx | verified |
| xxx | 1641925 | xxx | xxx | Maturity Date | xxx | xxx | verified |
| xxx | 1641925 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1641925 | xxx | xxx | Prepayment Penalty Type |  | Hard | verified |
| xxx | 1641925 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1668539 | xxx | xxx | Qualifying Credit Score | 817 | 807 | Verified lower score with credit reports |
| xxx | 1668539 | xxx | xxx | Doc Type | Debt Service Coverage | DSCR+Asset Depletion | verified |
| xxx | 1668539 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1668539 | xxx | xxx | PITI | xxx | xxx | Verified PITI only |
| xxx | 1668539 | xxx | xxx | Prepayment Penalty Type |  | Hard | verified |
| xxx | 1668539 | xxx | xxx | Product Code | BPACC 30 YR FIXED 5 YR PPP | BPACC30Y5YPP | Same |
| xxx | 1668539 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1669503 | xxx | xxx | Doc Type | Alternative Doc | P&L | Verified with loan approval |
| xxx | 1669503 | xxx | xxx | First Payment Date | xxx | xxx | Verified w/ note |
| xxx | 1669503 | xxx | xxx | Maturity Date | xxx | xxx | Verified w/ note |
| xxx | 1669503 | xxx | xxx | Note Date | xxx | xxx | Verified w/ note |
| xxx | 1669503 | xxx | xxx | QM Status |  | Exempt | Organizational Exemption |
| xxx | 1642671 | xxx | xxx | First Payment Date | xxx | xxx | Verified w/ note |
| xxx | 1642671 | xxx | xxx | Maturity Date | xxx | xxx | Verified w/ note |
| xxx | 1642671 | xxx | xxx | Note Date | xxx | xxx | Verified w/ note |
| xxx | 1642671 | xxx | xxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxx | 1642671 | xxx | xxx | QM Status |  | Exempt | Organizational Exemption |
| xxx | 1642383 | xxx | xxx | First Payment Date | xxx | xxx | verified |
| xxx | 1642383 | xxx | xxx | Maturity Date | xxx | xxx | verified |
| xxx | 1642383 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1642383 | xxx | xxx | PITI | xxx | xxx | Less HOA |
| xxx | 1642383 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1668555 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1668555 | xxx | xxx | PITI | xxx | xxx | Verified with first payment letter |
| xxx | 1668555 | xxx | xxx | Prepayment Penalty Type |  | Hard | verified |
| xxx | 1668555 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1668558 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1668558 | xxx | xxx | Prepayment Penalty Type |  | Hard | verified |
| xxx | 1668558 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1668559 | xxx | xxx | Note Date | xxx | xxx | Verified w/ note |
| xxx | 1668559 | xxx | xxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxx | 1668559 | xxx | xxx | QM Status |  | Exempt | Organizational Exemption |
| xxx | 1642071 | xxx | xxx | First Payment Date | xxx | xxx | verified |
| xxx | 1642071 | xxx | xxx | Maturity Date | xxx | xxx | verified |
| xxx | 1642071 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1642071 | xxx | xxx | Prepayment Penalty Type |  | Hard | verified |
| xxx | 1642071 | xxx | xxx | Product Code | BPACC 30 YR FIXED 5 YEAR PPP STEP DN | BPACC30Y5YPPSD | Same |
| xxx | 1642071 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1642673 | xxx | xxx | First Payment Date | xxx | xxx | verified |
| xxx | 1642673 | xxx | xxx | Maturity Date | xxx | xxx | verified |
| xxx | 1642673 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1642673 | xxx | xxx | Prepayment Penalty Type |  | Hard | verified |
| xxx | 1642673 | xxx | xxx | Product Code | BPACC 30 YR FIXED 5 YEAR PPP STEP DN | BPACC30Y5YPPSD | Same |
| xxx | 1642673 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1643677 | xxx | xxx | DSCR | 0.720 |  | N/A Not a DSCR loan |
| xxx | 1643677 | xxx | xxx | Doc Type | Alternative Doc | P&L | Verified with loan approval |
| xxx | 1643677 | xxx | xxx | Note Date | xxx | xxx | Verified w/ note |
| xxx | 1643677 | xxx | xxx | PITI | xxx | xxx | Verified PITI only |
| xxx | 1643677 | xxx | xxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxx | 1643677 | xxx | xxx | QM Status |  | Exempt | Organizational Exemption |
| xxx | 1643324 | xxx | xxx | First Payment Date | xxx | xxx | Verified w/ note |
| xxx | 1643324 | xxx | xxx | Maturity Date | xxx | xxx | Verified w/ note |
| xxx | 1643324 | xxx | xxx | Note Date | xxx | xxx | Verified w/ note |
| xxx | 1643324 | xxx | xxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxx | 1643324 | xxx | xxx | Product Code | BPACC 30 YR FIXED 5 YEAR PPP STEP DN | BPACC30Y5YPPSD | same |
| xxx | 1643324 | xxx | xxx | Property Zip | xxx | xxx | Verified w/ note |
| xxx | 1643324 | xxx | xxx | QM Status |  | Exempt | Organizational Exemption |
| xxx | 1643337 | xxx | xxx | First Payment Date | xxx | xxx | verified |
| xxx | 1643337 | xxx | xxx | Maturity Date | xxx | xxx | verified |
| xxx | 1643337 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1643337 | xxx | xxx | Prepayment Penalty Type |  | Hard | verified |
| xxx | 1643337 | xxx | xxx | Product Code | BPACC 30 YR FIXED 5 YEAR PPP STEP DN | BPACC30Y5YPPSD | same |
| xxx | 1643337 | xxx | xxx | Property Zip | xxx | xxx | verified |
| xxx | 1643337 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1643341 | xxx | xxx | First Payment Date | xxx | xxx | Verified w/ note |
| xxx | 1643341 | xxx | xxx | Maturity Date | xxx | xxx | Verified w/ note |
| xxx | 1643341 | xxx | xxx | Note Date | xxx | xxx | Verified w/ note |
| xxx | 1643341 | xxx | xxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxx | 1643341 | xxx | xxx | Property Zip | xxx | xxx | Verified w/ note |
| xxx | 1643341 | xxx | xxx | QM Status |  | Exempt | Organizational Exemption |
| xxx | 1643332 | xxx | xxx | First Payment Date | xxx | xxx | Verified w/ note |
| xxx | 1643332 | xxx | xxx | Maturity Date | xxx | xxx | Verified w/ note |
| xxx | 1643332 | xxx | xxx | Note Date | xxx | xxx | Verified w/ note |
| xxx | 1643332 | xxx | xxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxx | 1643332 | xxx | xxx | Product Code | BPACC 30 YR FIXED 2 YR PPP STEP DN | BPACC30YF2YPPSD | Same |
| xxx | 1643332 | xxx | xxx | QM Status |  | Exempt | Organizational Exemption |
| xxx | 1643343 | xxx | xxx | First Payment Date | xxx | xxx | Verified w/ note |
| xxx | 1643343 | xxx | xxx | Maturity Date | xxx | xxx | Verified w/ note |
| xxx | 1643343 | xxx | xxx | Note Date | xxx | xxx | Verified w/ note |
| xxx | 1643343 | xxx | xxx | PITI | xxx | xxx | Verified with Note, HOI and Taxes |
| xxx | 1643343 | xxx | xxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxx | 1643343 | xxx | xxx | Product Code | BPACC 30 YR FIXED 3 YEAR PPP STEP DN | BPACC30YF3YPPSD | Same |
| xxx | 1643343 | xxx | xxx | Property Zip | xxx | xxx | Verified w/ note |
| xxx | 1643343 | xxx | xxx | QM Status |  | Exempt | Organizational Exemption |
| xxx | 1643326 | xxx | xxx | First Payment Date | xxx | xxx | Verified w/ note |
| xxx | 1643326 | xxx | xxx | Maturity Date | xxx | xxx | Verified w/ note |
| xxx | 1643326 | xxx | xxx | Note Date | xxx | xxx | Verified w/ note |
| xxx | 1643326 | xxx | xxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxx | 1643326 | xxx | xxx | QM Status |  | Exempt | Organizational Exemption |
| xxx | 1643370 | xxx | xxx | First Payment Date | xxx | xxx | verified |
| xxx | 1643370 | xxx | xxx | Maturity Date | xxx | xxx | verified |
| xxx | 1643370 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1643370 | xxx | xxx | PITI | xxx | xxx | verified with first payment letter |
| xxx | 1643370 | xxx | xxx | Prepayment Penalty Type |  | Hard | verified |
| xxx | 1643370 | xxx | xxx | Product Code | BPACC 30 YR FIXED 3 YEAR PPP STEP DN | BPACC30YF3YPPSD | same |
| xxx | 1643370 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1670280 | xxx | xxx | Doc Type | Alternative Doc | Bank Statement | Verified with Loan Approval and Rate Lock Confirmation |
| xxx | 1670280 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1670280 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1670280 | xxx | xxx | Qualifying DTI | 49.94100 | 0.43556 | Total Monthly Debts $23,981.49 / Total Monthly Income $44,690.27 |
| xxx | 1669488 | xxx | xxx | Qualifying Credit Score | 790 | 746 | Verified with credit report |
| xxx | 1669488 | xxx | xxx | Doc Type | Alternative Doc | Bank Statement | Verified with loan approval |
| xxx | 1669488 | xxx | xxx | Note Date | xxx | xxx | Verified w/ note |
| xxx | 1669488 | xxx | xxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxx | 1669488 | xxx | xxx | Product Code | BPACCINC 30 YR FIXED 5 YR PPP | BPACCINC30Y5YPP | Same |
| xxx | 1669488 | xxx | xxx | QM Status |  | Exempt | Organizational Exemption |
| xxx | 1669488 | xxx | xxx | Qualifying DTI | 34.97000 | 0.34970 | Same |
| xxx | 1643798 | xxx | xxx | Doc Type | Alternative Doc | Bank Statement | Verified with loan approval |
| xxx | 1643798 | xxx | xxx | Note Date | xxx | xxx | Verified w/ note |
| xxx | 1643798 | xxx | xxx | Product Code | CACT 30 YR FIXED | CACT30YF | Same |
| xxx | 1643798 | xxx | xxx | QM Status |  | Exempt | Organizational Exemption |
| xxx | 1643798 | xxx | xxx | Qualifying DTI | 20.72000 | 0.20720 | Same |
| xxx | 1643373 | xxx | xxx | Doc Type | Alternative Doc | P&L | verified with P&Ls in file |
| xxx | 1643373 | xxx | xxx | First Payment Date | xxx | xxx | verified |
| xxx | 1643373 | xxx | xxx | Maturity Date | xxx | xxx | verified |
| xxx | 1643373 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1643373 | xxx | xxx | PITI | xxx | xxx | verified with first payment letter |
| xxx | 1643373 | xxx | xxx | Product Code | CACT 30 YR FIXED | CACT30YF | same |
| xxx | 1643373 | xxx | xxx | Property Type | PUD-Detached | PUD-Attached | verified with appraisal report |
| xxx | 1643373 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1643373 | xxx | xxx | Qualifying DTI | 44.84500 | 0.44845 | same |
| xxx | 1668704 | xxx | xxx | Doc Type | Alternative Doc | Bank Statement | Verified with Loan Approval and Bank Stmts |
| xxx | 1668704 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1668704 | xxx | xxx | Property Zip | xxx | xxx | verified |
| xxx | 1668704 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1668704 | xxx | xxx | Qualifying DTI | 44.14600 | 0.44146 | Bid tape and Audit data reflect the same value; variance is decimal placement. |
| xxx | 1668783 | xxx | xxx | Doc Type | Alternative Doc | P&L | Same |
| xxx | 1668783 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1668783 | xxx | xxx | PITI | xxx | xxx | $2377.32 + $30.33 HOA |
| xxx | 1668783 | xxx | xxx | Product Code | CACT 30 YR FIXED | CACT30YF | Same |
| xxx | 1668783 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1668783 | xxx | xxx | Qualifying DTI | 26.80300 | 0.26803 | Same |
| xxx | 1643374 | xxx | xxx | First Payment Date | xxx | xxx | verified |
| xxx | 1643374 | xxx | xxx | Maturity Date | xxx | xxx | verified |
| xxx | 1643374 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1643374 | xxx | xxx | PITI | xxx | xxx | PITI of $2624.14 includes HOA dues |
| xxx | 1643374 | xxx | xxx | Prepayment Penalty Type |  | Hard | verified |
| xxx | 1643374 | xxx | xxx | Product Code | BPACC 30 YR FIXED 5 YEAR PPP STEP DN | BPACC30Y5YPPSD | same |
| xxx | 1643374 | xxx | xxx | Property Street Address | xxx | xxx | verified |
| xxx | 1643374 | xxx | xxx | QM Status |  | Exempt | Organizational Exemption |
| xxx | 1643679 | xxx | xxx | Doc Type | Debt Service Coverage | DSCR+Asset Depletion | Verified with Lock Confirmation |
| xxx | 1643679 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1643679 | xxx | xxx | Prepayment Penalty Type |  | Hard | verified |
| xxx | 1643679 | xxx | xxx | Product Code | BPACC 30 YR FIXED 5 YEAR PPP STEP DN | BPACC30Y5YPPSD | Same |
| xxx | 1643679 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1643806 | xxx | xxx | Note Date | xxx | xxx | Verified w/ note |
| xxx | 1643806 | xxx | xxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxx | 1643806 | xxx | xxx | Product Code | BPACC 30 YR FIXED 5 YEAR PPP STEP DN | BPACC30Y5YPPSD | Same |
| xxx | 1643806 | xxx | xxx | QM Status |  | Exempt | Organizational Exemption |
| xxx | 1643680 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1643680 | xxx | xxx | Prepayment Penalty Type |  | Hard | verified |
| xxx | 1643680 | xxx | xxx | Product Code | BPACC 30 YR FIXED 5 YEAR PPP STEP DN | BPACC30Y5YPPSD | Same |
| xxx | 1643680 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1668786 | xxx | xxx | Doc Type | Alternative Doc | Bank Statement | Verified with loan approval |
| xxx | 1668786 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1668786 | xxx | xxx | PITI | xxx | xxx | Less HOA |
| xxx | 1668786 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1643809 | xxx | xxx | Doc Type | Debt Service Coverage | DSCR+Asset Depletion | Verified with approval |
| xxx | 1643809 | xxx | xxx | Note Date | xxx | xxx | Verified w/ note |
| xxx | 1643809 | xxx | xxx | PITI | xxx | xxx | HOA fee $354 not included in audited data |
| xxx | 1643809 | xxx | xxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxx | 1643809 | xxx | xxx | Product Code | BPACC 30 YR FIXED 5 YEAR PPP STEP DN | BPACC30Y5YPPSD | Same |
| xxx | 1643809 | xxx | xxx | QM Status |  | Exempt | Organizational Exemption |
| xxx | 1643685 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1643685 | xxx | xxx | PITI | xxx | xxx | HOA $357/month not included in Audited Data |
| xxx | 1643685 | xxx | xxx | Prepayment Penalty Type |  | Hard | verified |
| xxx | 1643685 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1668788 | xxx | xxx | Doc Type | Alternative Doc | P&L | 12-month P&L loan approval |
| xxx | 1668788 | xxx | xxx | Note Date | xxx | xxx | Verified w/ note |
| xxx | 1668788 | xxx | xxx | Product Code | CACT 30 YR FIXED | CACT30YF | Same |
| xxx | 1668788 | xxx | xxx | QM Status |  | Exempt | Organizational Exemption |
| xxx | 1668788 | xxx | xxx | Qualifying DTI | 33.34300 | 0.33343 | Within tolerance |
| xxx | 1668696 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1668696 | xxx | xxx | Prepayment Penalty Type |  | Hard | verified |
| xxx | 1668696 | xxx | xxx | Product Code | BPACC 30 YR FIXED 5 YEAR PPP STEP DN | BPACC30Y5YPPSD | same |
| xxx | 1668696 | xxx | xxx | Property Zip | xxx | xxx | verified |
| xxx | 1668696 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1643687 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1643687 | xxx | xxx | Prepayment Penalty Type |  | Hard | verified |
| xxx | 1643687 | xxx | xxx | Product Code | BPACC 30 YR FIXED 5 YR PPP | BPACC30Y5YPP | same |
| xxx | 1643687 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1643688 | xxx | xxx | Note Date | xxx | xxx | Verified w/ note |
| xxx | 1643688 | xxx | xxx | PITI | xxx | xxx | PI = 1816.09, Ins = 130.75, Tax = 351.80 matched 1st payment letter pg 186 and final 1003 |
| xxx | 1643688 | xxx | xxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxx | 1643688 | xxx | xxx | Product Code | BPACC 30 YR FIXED 3 YR PPP | BPACC30YF3YPP | Same |
| xxx | 1643688 | xxx | xxx | QM Status |  | Exempt | Organizational Exemption |
| xxx | 1672198 | xxx | xxx | Doc Type | Debt Service Coverage | DSCR+Asset Depletion | verified with loan approval |
| xxx | 1672198 | xxx | xxx | Note Date | xxx | xxx | Verified w/ note |
| xxx | 1672198 | xxx | xxx | PITI | xxx | xxx | verified with first payment letter |
| xxx | 1672198 | xxx | xxx | Product Code | BPACC 30 YR FIXED NO PPP | BPACC30Y | same |
| xxx | 1672198 | xxx | xxx | QM Status |  | Exempt | Organizational Exemption |
| xxx | 1643690 | xxx | xxx | Doc Type | Alternative Doc | Bank Statement | Verified with Loan Approval and Bank Stmts |
| xxx | 1643690 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1643690 | xxx | xxx | Product Code | CACT 30 YR FIXED | CACT30YF | Same. |
| xxx | 1643690 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1643690 | xxx | xxx | Qualifying DTI | 21.59800 | 0.22185 | Total Monthly Debts $26,566.09 / Total Monthly Income $119,750.14 |
| xxx | 1670285 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1670285 | xxx | xxx | PITI | xxx | xxx | Verified PITI only |
| xxx | 1670285 | xxx | xxx | Prepayment Penalty Type |  | Hard | verified |
| xxx | 1670285 | xxx | xxx | Product Code | BPACC 30 YR FIXED 2 YR PPP STEP DN | BPACC30YF2YPPSD | same |
| xxx | 1670285 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1643693 | xxx | xxx | Doc Type | Alternative Doc | P&L | Verified with Lock Confirmation and Loan Approval |
| xxx | 1643693 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1643693 | xxx | xxx | PITI | xxx | xxx | Verified. Audit reflects PITI; bid tape includes PITI and HOA. |
| xxx | 1643693 | xxx | xxx | Product Code | CACT 30 YR FIXED | CACT30YF | Same. |
| xxx | 1643693 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1643693 | xxx | xxx | Qualifying DTI | 28.67500 | 0.28675 | Verified Total Monthly Debts $2612.17 / Total Income $8926.20. Variance due to taxes. |
| xxx | 1671838 | xxx | xxx | First Payment Date | xxx | xxx | Verified w/ note |
| xxx | 1671838 | xxx | xxx | Maturity Date | xxx | xxx | Verified w/ note |
| xxx | 1671838 | xxx | xxx | Note Date | xxx | xxx | Verified w/ note |
| xxx | 1671838 | xxx | xxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxx | 1671838 | xxx | xxx | QM Status |  | Exempt | Organizational Exemption |
| xxx | 1670527 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1670527 | xxx | xxx | Product Code | CACT 30 YR FIXED | CACT30YF | Same |
| xxx | 1670527 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1670527 | xxx | xxx | Qualifying DTI | 49.94300 | 0.49943 | Same |
| xxx | 1668710 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1668710 | xxx | xxx | Prepayment Penalty Type |  | Hard | verified |
| xxx | 1668710 | xxx | xxx | Product Code | BPACC 30 YR FIXED 5 YEAR PPP STEP DN | BPACC30Y5YPPSD | Same |
| xxx | 1668710 | xxx | xxx | Property Zip | xxx | xxx | verified |
| xxx | 1668710 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1670286 | xxx | xxx | Note Date | xxx | xxx | Verified w/ note |
| xxx | 1670286 | xxx | xxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxx | 1670286 | xxx | xxx | Product Code | BPACC 30 YR FIXED 3 YEAR PPP STEP DN | BPACC30YF3YPPSD | same |
| xxx | 1670286 | xxx | xxx | QM Status |  | Exempt | Organizational Exemption |
| xxx | 1670289 | xxx | xxx | Note Date | xxx | xxx | Verified w/ note |
| xxx | 1670289 | xxx | xxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxx | 1670289 | xxx | xxx | Product Code | BPACC 30 YR FIXED 3 YEAR PPP STEP DN | BPACC30YF3YPPSD | same |
| xxx | 1670289 | xxx | xxx | QM Status |  | Exempt | Organizational Exemption |
| xxx | 1670290 | xxx | xxx | Note Date | xxx | xxx | Verified w/ note |
| xxx | 1670290 | xxx | xxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxx | 1670290 | xxx | xxx | Product Code | BPACC 30 YR FIXED 3 YEAR PPP STEP DN | BPACC30YF3YPPSD | Same |
| xxx | 1670290 | xxx | xxx | QM Status |  | Exempt | Organizational Exemption |
| xxx | 1670530 | xxx | xxx | Original Amortization Term | 360 | 240 | verified |
| xxx | 1670530 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1670530 | xxx | xxx | PITI | xxx | xxx | Verified PITI only |
| xxx | 1670530 | xxx | xxx | Prepayment Penalty Type |  | Hard | verified |
| xxx | 1670530 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1670179 | xxx | xxx | Doc Type | Alternative Doc | Bank Statement | Verified with Loan Approval and Rate Lock Confirmation. |
| xxx | 1670179 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1670179 | xxx | xxx | PITI | xxx | xxx | Verified with Note, HOI and Tax Cert; variance due to annual taxes. |
| xxx | 1670179 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1670179 | xxx | xxx | Qualifying DTI | 46.16600 | 0.46286 | Total Monthly Debt $25,806.11 / Total Monthly Income $55,753.48 |
| xxx | 1670463 | xxx | xxx | First Payment Date | xxx | xxx | verified |
| xxx | 1670463 | xxx | xxx | Maturity Date | xxx | xxx | verified |
| xxx | 1670463 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1670463 | xxx | xxx | Prepayment Penalty Type |  | Hard | verified |
| xxx | 1670463 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1670292 | xxx | xxx | Doc Type | Alternative Doc | Bank Statement | verified with loan approval |
| xxx | 1670292 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1670292 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1670180 | xxx | xxx | Doc Type | Alternative Doc | Bank Statement | Verified with loan approval |
| xxx | 1670180 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1670180 | xxx | xxx | Product Code | CACT 30 YR FIXED | CACT30YF | same |
| xxx | 1670180 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1670180 | xxx | xxx | Qualifying DTI | 39.11900 | 0.39119 | same |
| xxx | 1670186 | xxx | xxx | Doc Type | Alternative Doc | Bank Statement | Same |
| xxx | 1670186 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1670186 | xxx | xxx | PITI | xxx | xxx | $16,104.34 + HOA |
| xxx | 1670186 | xxx | xxx | Product Code | CACT 30 YR FIXED | CACT30YF | Same |
| xxx | 1670186 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1670186 | xxx | xxx | Qualifying DTI | 42.31400 | 0.42314 | Same |
| xxx | 1670538 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1670538 | xxx | xxx | Prepayment Penalty Type |  | Hard | verified |
| xxx | 1670538 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1670539 | xxx | xxx | Note Date | xxx | xxx | Verified w/ note |
| xxx | 1670539 | xxx | xxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxx | 1670539 | xxx | xxx | QM Status |  | Exempt | Organizational Exemption |
| xxx | 1670296 | xxx | xxx | Doc Type | Alternative Doc | Bank Statement | verified with loan approval |
| xxx | 1670296 | xxx | xxx | Note Date | xxx | xxx | Verified w/ note |
| xxx | 1670296 | xxx | xxx | QM Status |  | Exempt | Verified |
| xxx | 1670540 | xxx | xxx | Note Date | xxx | xxx | Verified w/ note |
| xxx | 1670540 | xxx | xxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxx | 1670540 | xxx | xxx | QM Status |  | Exempt | Business Purpose Product |
| xxx | 1670958 | xxx | xxx | Doc Type | Alternative Doc | Bank Statement | Verified with Loan Approval and Rate Lock Confirmation |
| xxx | 1670958 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1670958 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1670958 | xxx | xxx | Qualifying DTI | 23.78200 | 0.23782 | Same; variance due to rounding |
| xxx | 1670298 | xxx | xxx | Doc Type | Alternative Doc | Bank Statement | verified with loan approval |
| xxx | 1670298 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1670298 | xxx | xxx | PITI | xxx | xxx | verified with first payment letter |
| xxx | 1670298 | xxx | xxx | Product Code | CACT 30 YR FIXED | CACT30YF | same |
| xxx | 1670298 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1670298 | xxx | xxx | Qualifying DTI | 29.92600 | 0.29926 | same |
| xxx | 1670542 | xxx | xxx | Doc Type | Alternative Doc | P&L | Verified with Loan Approval and Rate Lock Confirmation |
| xxx | 1670542 | xxx | xxx | Note Date | xxx | xxx | Verified w/ note |
| xxx | 1670542 | xxx | xxx | PITI | xxx | xxx | Verified with First Payment Letter; bid tape includes HOA Dues |
| xxx | 1670542 | xxx | xxx | QM Status |  | Exempt | Organizational Exemption |
| xxx | 1670542 | xxx | xxx | Qualifying DTI | 45.52000 | 0.45520 | Same |
| xxx | 1670543 | xxx | xxx | Appraised Value | xxx | xxx | Verified by appraisal at xxx |
| xxx | 1670543 | xxx | xxx | Original CLTV | 0.700000 | 0.602871 | Verified by final loan docs at 60.2871 |
| xxx | 1670543 | xxx | xxx | Original LTV | 0.700000 | 0.602871 | Verified by final loan docs at 60.2871 |
| xxx | 1670543 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1670543 | xxx | xxx | Product Code | BPACC 30 YR FIXED NO PPP | BPACC30Y | Same |
| xxx | 1670543 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1670469 | xxx | xxx | First Payment Date | xxx | xxx | Verified w/ note |
| xxx | 1670469 | xxx | xxx | Maturity Date | xxx | xxx | Verified w/ note |
| xxx | 1670469 | xxx | xxx | Note Date | xxx | xxx | Verified w/ note |
| xxx | 1670469 | xxx | xxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxx | 1670469 | xxx | xxx | QM Status |  | Exempt | Organizational Exemption |
| xxx | 1670546 | xxx | xxx | Note Date | xxx | xxx | Verified w/ note |
| xxx | 1670546 | xxx | xxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxx | 1670546 | xxx | xxx | Product Code | BPACC 30 YR FIXED 1 YR PPP | BPACC30YF1YPP | Same |
| xxx | 1670546 | xxx | xxx | QM Status |  | Exempt | Organizational Exemption |
| xxx | 1670548 | xxx | xxx | Note Date | xxx | xxx | verified |
| xxx | 1670548 | xxx | xxx | Product Code | BPACC 30 YR FIXED NO PPP | BPACC30Y | Same |
| xxx | 1670548 | xxx | xxx | QM Status |  | Exempt | verified |
| xxx | 1670549 | xxx | xxx | Note Date | xxx | xxx | Verified w/ note |
| xxx | 1670549 | xxx | xxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxx | 1670549 | xxx | xxx | Product Code | BPACC 30 YR FIXED 5 YEAR PPP STEP DN | BPACC30Y5YPPSD | Same |
| xxx | 1670549 | xxx | xxx | QM Status |  | Exempt | Organizational Exemption |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 5**

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ![](ex99-3sch5_001.jpg) | |
|  | **Exception Detail** |
|  | **Run Date - 11/06/2025 8:12:05 AM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **Exception** | **Exception Detail** | **Exception Information** | **Exception Remediation** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Compliance Initial Loan Grade** | **Compliance Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| xxx | 1634335 | xxx | xxx | xxx | 336 | 03/15/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | A bank statement worksheet for both co-borrower2 and co-borrower3 was not provided. | Bank statement income work sheet provided. |  |  | 03/17/2025 |  | A | 1 | 03/xx/2025 | CA | 1 | 13 C B | A | A |  | Exempt | 1 |
| xxx | 1634412 | xxx | xxx | xxx | 389 | 03/16/2025 | Credit | UW Credit |  | UW Credit - UW - Fraud Alert documentation |  | Missing complete fraud Alert documentation. | xxx Report provided. |  | Client 03/19/2025 01:14 PM; Please find uploaded clear Fraud Guard. Thank you. <br>Reviewer 03/19/2025 04:19 PM; Condition has been reviewed. Thx<br>| 03/19/2025 |  | A | 1 | 03/xx/2025 | FL | 1 | 3 C A | C | A |  | Exempt | 1 |
| xxx | 1634412 | xxx | xxx | xxx | 336 | 03/16/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Missing income calculation worksheet. | Bank statement Income Calculator provided. |  |  | 03/19/2025 |  | A | 1 | 03/xx/2025 | FL | 1 | 3 C A | C | A |  | Exempt | 1 |
| xxx | 1634412 | xxx | xxx | xxx | 970 | 03/12/2025 | Compliance | Compliance |  | Compliance - CD- Missing |  | Initial CD missing, need proof it was received at least 3 days prior to consummation | Information provided |  | Reviewer 03/19/2025 03:36 PM; document uploaded is not evidence borrower received the CD<br>| 03/25/2025 |  | A | 1 | 03/xx/2025 | FL | 1 | 3 C A | C | A |  | Exempt | 1 |
| xxx | 1634412 | xxx | xxx | xxx | 884 | 03/12/2025 | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 03/25/2025 |  | A | 1 | 03/xx/2025 | FL | 1 | 3 C A | C | A |  | Exempt | 1 |
| xxx | 1641511 | xxx | xxx | xxx | 862 | 06/03/2025 | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | The Exhibit A in file is missing the Legal Description. Please provide along with LOI to re-record. | Information provided |  |  | 06/10/2025 |  | A | 1 | 05/xx/2025 | NJ | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| xxx | 1641543 | xxx | xxx | xxx | 1108 | 06/05/2025 | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | Desk review required for all loan files not requiring 2nd appraisal. - CDA not included in file. | FNMA CU 1.0 provided |  |  | 06/06/2025 |  | A | 1 | 05/xx/2025 | TX | 3 | 13 C B | N/A | N/A C |  | Exempt | 1 |
| xxx | 1641891 | xxx | xxx | xxx | 72 | 07/02/2025 | Credit | Closing Package |  | Closing Package - |  | Final Hud/Settlement Statement is missing from file. | Information provided |  |  | 07/08/2025 |  | A | 1 | 05/xx/2025 | CA | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| xxx | 1641891 | xxx | xxx | xxx | 452 | 07/02/2025 | Credit | UW Other |  | UW Other - UW - HUD-1 to evidence source of funds |  | Provide final, signed Settlement Statement. Documents provided were estimated versions. | Received signed final CD |  |  | 07/07/2025 |  | A | 1 | 05/xx/2025 | CA | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| xxx | 1641910 | xxx | xxx | xxx | 72 | 06/07/2025 | Credit | Closing Package |  | Closing Package - |  | The Final Settlement Statement is missing from file. | Information provided |  |  | 06/12/2025 |  | A | 1 | 05/xx/2025 | CA | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| xxx | 1641911 | xxx | xxx | xxx | 389 | 06/11/2025 | Credit | UW Credit |  | UW Credit - UW - Fraud Alert documentation |  | Missing fraud report with all high and medium alerts cleared. The fraud report provided does not reflect all alerts as cleared. | xxx Report provided |  | Client 07/02/2025 09:36 AM; Please see clear final fraud guard for your review. Thank you. <br>Reviewer 07/02/2025 10:11 AM; Condition has been reviewed. Thx<br>| 07/02/2025 |  | A | 1 | 05/xx/2025 | FL | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| xxx | 1641916 | xxx | xxx | xxx | 330 | 06/11/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide status of additional loan application for subject property Loan #xxx dated 4/xx/25. | Loan was denied |  | Client 07/08/2025 01:01 PM; Please see attached confirmation loan is denied in our system. Thank you. <br>Reviewer 07/08/2025 02:08 PM; Condition has been reviewed. Thx<br>| 07/08/2025 |  | A | 1 | 05/xx/2025 | FL | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |
| xxx | 1641920 | xxx | xxx | xxx | 1068 | 06/11/2025 | Credit | UW Other |  | UW Other - Fraud Alert was not addressed |  | Fraud report required. Missing from file. | Received clear fraud report |  |  | 06/12/2025 |  | A | 1 | 05/xx/2025 | NC | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxx | 1641940 | xxx | xxx | xxx | 851 | 06/12/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception approval required for seller contributions exceeding 3% of the sales price. Actual contributions are 5.4% of the sales price | Per Matrix max seller concession is 6% |  | Client 06/16/2025 10:28 AM; 6% seller contribution is permitted per guidelines <br>Reviewer 06/16/2025 11:25 AM; Condition has been reviewed. Thx<br>| 06/16/2025 |  | A | 1 | 05/xx/2025 | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxx | 1641940 | xxx | xxx | xxx | 185 | 06/10/2025 | Credit | Flood Certificate |  | Flood Certificate - Flood insurance is required - Flood policy missing |  | Please provide the Flood Policy. | Information provided |  | Client 06/17/2025 06:45 AM; The property has been moved out of the flood zone.<br>Reviewer 06/17/2025 09:26 AM; <br>Reviewer 06/17/2025 12:14 PM; Hello <br> The LOFR reflects a different legal description and phase number than what the subject property is in. Do you have anything that ties this back to the subject property's legal description or property address? <br>Thanks<br>Reviewer 06/18/2025 09:45 AM; Flood ins has not been provided for this for subject property<br>Reviewer 06/23/2025 01:21 PM; Escalated for review<br>| 06/24/2025 |  | A | 1 | 05/xx/2025 | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxx | 1641940 | xxx | xxx | xxx | 200 | 06/10/2025 | Credit | Hazard Insurance |  | Hazard Insurance - If Condo, blanket coverage policy is missing |  | Please provide the Condo Master Policy. | Information provided |  |  | 06/18/2025 |  | A | 1 | 05/xx/2025 | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxx | 1641947 | xxx | xxx | xxx | 374 | 06/12/2025 | Credit | UW Other |  | UW Other - UW - Evidence of legal residency |  | xxx states perm resident on 1003. Provide documentation to support declaration. | Initial Commercial app shows US Citizen |  | Client 06/16/2025 09:48 AM; Green card was provided 06/13/25<br>Reviewer 06/16/2025 10:22 AM; EAD card was provided for xxx The documentation for co-borrower XXX was not provided.<br>Reviewer 06/16/2025 10:22 AM; EAD card was provided for XXX The documentation for co-borrower XXX was not provided.<br>Client 06/30/2025 09:29 AM; Initial Commercial app shows US Citizen; <br>Reviewer 06/30/2025 10:00 AM; Condition has been reviewed. Thx<br>| 06/30/2025 |  | A | 1 | 05/xx/2025 | AL | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| xxx | 1642048 | xxx | xxx | xxx | 1055 | 06/12/2025 | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The final, signed CD is missing from the loan file. The credit review is on hold until documents are received. | Documentation provided |  |  | 06/13/2025 |  | A | 1 | 05/xx/2025 | CA | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |
| xxx | 1642048 | xxx | xxx | xxx | 336 | 06/14/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Provide signed 4506-C | Received 4506-C signed |  |  | 06/16/2025 |  | A | 1 | 05/xx/2025 | CA | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |
| xxx | 1642048 | xxx | xxx | xxx | 72 | 06/10/2025 | Credit | Closing Package |  | Closing Package - |  | The Final Settlement Statement is missing from file. | Information provided |  | Reviewer 06/13/2025 09:59 AM; Settlement Statement provided reflects "Estimate". Need the Final SS<br>Reviewer 06/18/2025 09:50 AM; Settlement statement provided does not reflect the taxes and Insurance escrows<br>| 06/23/2025 |  | A | 1 | 05/xx/2025 | CA | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |
| xxx | 1642068 | xxx | xxx | xxx | 336 | 06/15/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Provide signed 4506-C | Received signed 4506-C |  |  | 07/01/2025 |  | A | 1 | 06/xx/2025 | NJ | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| xxx | 1642068 | xxx | xxx | xxx | 389 | 06/15/2025 | Credit | UW Credit |  | UW Credit - UW - Fraud Alert documentation |  | Provide fraud report, all pages. | xxx provided. |  | Client 07/02/2025 08:17 AM; Fraud summary provided has all high/medium alerts cleared <br>Reviewer 07/02/2025 10:07 AM; Condition has been reviewed. Thx<br>| 07/02/2025 |  | A | 1 | 06/xx/2025 | NJ | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| xxx | 1642068 | xxx | xxx | xxx | 376 | 06/15/2025 | Credit | UW Other |  | UW Other - UW - SS verification |  | Provide documentation clearing up SSN alert on credit report | LoanSafe Connect provided show alerts cleared |  | Reviewer 07/01/2025 11:43 AM; Provide the SSA verification of SS#<br>| 07/02/2025 |  | A | 1 | 06/xx/2025 | NJ | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| xxx | 1642068 | xxx | xxx | xxx | 330 | 06/15/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide OFAC search for Borrower. Per credit report, OFAC was not run due to missing information | Received clear OFAC search for borrower on Fraud report |  |  | 07/01/2025 |  | A | 1 | 06/xx/2025 | NJ | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| xxx | 1642078 | xxx | xxx | xxx | 330 | 06/16/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Fraud Report is missing from file. | Received cleared fraud report |  |  | 06/18/2025 |  | A | 1 | 06/xx/2025 | NJ | 2 | 13 C A | C | A |  | Exempt | 1 |
| xxx | 1642078 | xxx | xxx | xxx | 336 | 06/16/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | CPA letter does not meet guidelines. Guidelines require the CPA to attest they have audited the business financial statements or reviewed working papers provided by the borrower. The CPA letter stated the accompanying financial statements were NOT subject to audit, review or compilation agreement and does not provide any assurances of the financial statement provided. | CPA letter states they have reviewed all working papers and have no affiliation with the entity except for preparing tax returns. This is permitted per guidelines. |  | Client 07/01/2025 07:59 AM; CPA letter states they have reviewed all working papers and have not affiliation with the entity except for preparing tax returns. This is permitted per guidelines. <br>Reviewer 07/01/2025 08:11 AM; Condition has been reviewed. Thx<br>| 07/01/2025 |  | A | 1 | 06/xx/2025 | NJ | 2 | 13 C A | C | A |  | Exempt | 1 |
| xxx | 1642078 | xxx | xxx | xxx | 72 | 06/10/2025 | Compliance | Closing Package |  | Closing Package - |  | The Flood Policy is missing from file. | Flood Policy provided |  |  | 06/18/2025 |  | A | 1 | 06/xx/2025 | NJ | 2 | 13 C A | C | A |  | Exempt | 1 |
| xxx | 1642207 | xxx | xxx | xxx | 884 | 06/12/2025 | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 07/11/2025 |  | A | 1 | 06/xx/2025 | CA | 1 | 1 C A | C | A |  | Exempt | 1 |
| xxx | 1642207 | xxx | xxx | xxx | 893 | 06/12/2025 | Compliance | Compliance |  | Compliance - TRID LE- Need re-disclosed LE within 3 days of change of circumstance |  | Need proof borrower received LE within 3 days of a change of circumstance. LE provided is dated 5/30 sent via USPS. | Information provided |  |  | 07/11/2025 |  | A | 1 | 06/xx/2025 | CA | 1 | 1 C A | C | A |  | Exempt | 1 |
| xxx | 1642367 | xxx | xxx | xxx | 336 | 06/18/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Provide 12- month bank statement calculation work sheet for xxx | Bank statement work sheet provided Total income from xxx is $xxx. |  |  | 08/13/2025 |  | A | 1 | 06/xx/2025 | HI | 1 | 1 C A | A | A |  | Exempt | 1 |
| xxx | 1642368 | xxx | xxx | xxx | 330 | 06/20/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | The final signed and dated Closing Disclosure/Settlement Statement is missing. The Settlement Statement currently in the file is not dated. | Signed HUD provided |  | Reviewer 06/26/2025 09:40 AM; There is no signature date on the document received.<br>| 07/02/2025 |  | A | 1 | 06/xx/2025 | NY | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| xxx | 1642368 | xxx | xxx | xxx | 330 | 06/20/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | The borrower's name is misspelled as 'xxx' instead of 'xxx' on several documents within the loan file. A name affidavit addressing this discrepancy was not located in the file. | Borrower affidavit provided. Affidavit and showed valid ID proving she doesn't go by any other last name except for xxx |  |  | 07/07/2025 |  | A | 1 | 06/xx/2025 | NY | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| xxx | 1642368 | xxx | xxx | xxx | 72 | 06/16/2025 | Credit | Closing Package |  | Closing Package - |  | The Final Closing Disclosure is missing from file. | Information provided |  |  | 06/26/2025 |  | A | 1 | 06/xx/2025 | NY | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| xxx | 1642438 | xxx | xxx | xxx | 330 | 06/17/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Please upload full Fraud Report. Only 1 page of the xxx page was provided | xxx report provided. |  | Client 06/23/2025 09:44 AM; Please find final clear fraud guard attached. <br>Reviewer 06/23/2025 10:01 AM; Condition has been reviewed. Thx<br>| 06/23/2025 |  | A | 1 | 06/xx/2025 | NJ | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxx | 1642562 | xxx | xxx | xxx | 336 | 06/23/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Missing Business Bank Statement Analysis Worksheet confirming monthly income of $57,505.48 | Received Business Bank Statement Analysis Worksheet confirming monthly income of $57,505.48 |  |  | 06/25/2025 |  | A | 1 | 06/xx/2025 | CA | 1 | 3 C A | A | A |  | Exempt | 1 |
| xxx | 1642668 | xxx | xxx | xxx | 1055 | 06/25/2025 | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The DSCR + Asset Utilization Calculator and Final HUD-1 settlement statement are missing from the loan file. The credit review is on hold until documents are received. | Document provided |  |  | 07/09/2025 |  | A | 1 | 06/xx/2025 | UT | 3 | 13 A | N/A | N/A |  | Exempt | 1 |
| xxx | 1642673 | xxx | xxx | xxx | 957 | 06/22/2025 | Credit | Closing Package |  | Closing Package - First Payment Letter Missing or Incorrect |  | The First Payment Letter reflected the amount for Monthly Property Tax Impound as $299.23; however, the HUD-1 with a closing date of 06/xx/2025 reflected the monthly escrowed amount as $533.75. Please provide updated First Payment Letter. | Information provided |  |  | 07/01/2025 |  | A | 1 | 06/xx/2025 | CA | 3 | 13 B A | N/A | N/A |  | Exempt | 1 |
| xxx | 1643324 | xxx | xxx | xxx | 72 | 07/02/2025 | Credit | Closing Package |  | Closing Package - |  | Please provide the Operating Agreement. | Information provided |  |  | 07/07/2025 |  | A | 1 | 06/xx/2025 | NJ | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |
| xxx | 1643326 | xxx | xxx | xxx | 219 | 07/02/2025 | Credit | HUD1 |  | HUD1 - Final HUD-1 is missing |  | Please provide the final HUD-1 settlement statement. | Information provided |  |  | 07/07/2025 |  | A | 1 | 06/xx/2025 | CO | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxx | 1643326 | xxx | xxx | xxx | 330 | 07/03/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide copy of LLC EIN number as required per guidelines. | Received EIN |  |  | 07/09/2025 |  | A | 1 | 06/xx/2025 | CO | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxx | 1643326 | xxx | xxx | xxx | 1055 | 07/06/2025 | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The final HUD settlement statement is missing from the loan file. The credit review is on hold until documents are received. |  |  |  | 07/07/2025 |  | A | 1 | 06/xx/2025 | CO | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxx | 1643332 | xxx | xxx | xxx | 1055 | 07/06/2025 | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The initial and final 1003 are missing from the loan file. The credit review is on hold until documents are received. | Commercial 1003 provided |  |  | 07/11/2025 |  | A | 1 | 06/xx/2025 | NY | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| xxx | 1643332 | xxx | xxx | xxx | 7 | 07/03/2025 | Credit | Application |  | Application - Completed, signed, initial application for all applicant not in file |  | Please provide an initial application with an initial application date. | Information provided |  |  | 07/11/2025 |  | A | 1 | 06/xx/2025 | NY | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| xxx | 1643336 | xxx | xxx | xxx | 862 | 07/03/2025 | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | Exhibit A is missing. The Exhibit A in file is blank. Please provide, along with LOI to re-record. | Information provided |  |  | 07/08/2025 |  | A | 1 | 06/xx/2025 | NJ | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxx | 1643336 | xxx | xxx | xxx | 868 | 07/03/2025 | Credit | Hazard Insurance |  | Hazard Insurance - Other: |  | The Binder is missing the policy number, cannot be TBD. Please provide current policy. | Information provided |  |  | 07/08/2025 |  | A | 1 | 06/xx/2025 | NJ | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxx | 1643341 | xxx | xxx | xxx | 389 | 07/07/2025 | Credit | UW Credit |  | UW Credit - UW - Fraud Alert documentation |  | Missing fraud report with all high and medium alerts cleared. The fraud report provided does not reflect all alerts as cleared. | xxx report provided |  | Client 07/10/2025 05:20 PM; Please find final fraud guard. <br>Reviewer 07/11/2025 05:24 AM; Condition has been reviewed. Thx<br>| 07/11/2025 |  | A | 1 | 06/xx/2025 | NJ | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| xxx | 1643343 | xxx | xxx | xxx | 868 | 07/02/2025 | Credit | Hazard Insurance |  | Hazard Insurance - Other: |  | Hazard policy expires 7/14/25, please provide update hazard policy. | Information provided |  |  | 07/09/2025 |  | A | 1 | 06/xx/2025 | NJ | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| xxx | 1643370 | xxx | xxx | xxx | 72 | 07/02/2025 | Credit | Closing Package |  | Closing Package - |  | The Final Hud/Settlement Statement is missing from file. | Information provided |  |  | 07/14/2025 |  | A | 1 | 06/xx/2025 | CA | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxx | 1643370 | xxx | xxx | xxx | 1055 | 07/06/2025 | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The final settlement statement is missing from the loan file. The credit review is on hold until documents are received. | Documents received |  |  | 07/11/2025 |  | A | 1 | 06/xx/2025 | CA | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxx | 1643373 | xxx | xxx | xxx | 445 | 07/05/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Other income documentation missing/incomplete |  | Provide evidence CPA was verified. No documentation verifying the CPA was provided. | Confirmation of PTIN registered IRS tax preparer. |  | Client 07/17/2025 09:45 PM; Please find confirmation of PTIN registered IRS tax preparer. Thank you. <br>Reviewer 07/18/2025 05:24 AM; Condition has been reviewed. Thx<br>| 07/18/2025 |  | A | 1 | 06/xx/2025 | FL | 1 | 1 D A | A | A |  | Exempt | 1 |
| xxx | 1643671 | xxx | xxx | xxx | 445 | 07/08/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Other income documentation missing/incomplete |  | Provide evidence CPA was verified. No documentation verifying the CPA was provided. | PTIN list from IRS website provided |  | Client 08/01/2025 08:48 AM; PTIN list from IRS website <br>Reviewer 08/01/2025 09:34 AM; Condition has been reviewed. Thx<br>| 08/01/2025 |  | A | 1 | 06/xx/2025 | IL | 1 | 1 D B | C | A |  | Exempt | 1 |
| xxx | 1643671 | xxx | xxx | xxx | 445 | 07/08/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Other income documentation missing/incomplete |  | Provide bank statement analysis worksheet for the borrower. | Received income analysis |  |  | 07/09/2025 |  | A | 1 | 06/xx/2025 | IL | 1 | 1 D B | C | A |  | Exempt | 1 |
| xxx | 1643671 | xxx | xxx | xxx | 840 | 07/02/2025 | Compliance | Disclosure |  | Disclosure - HPML- need evidence of rate lock date with borrower |  | Lock Confirmation missing need date rate was locked | Information provided |  |  | 07/09/2025 |  | A | 1 | 06/xx/2025 | IL | 1 | 1 D B | C | A |  | Exempt | 1 |
| xxx | 1643671 | xxx | xxx | xxx | 884 | 07/02/2025 | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 07/09/2025 |  | A | 1 | 06/xx/2025 | IL | 1 | 1 D B | C | A |  | Exempt | 1 |
| xxx | 1643685 | xxx | xxx | xxx | 330 | 07/09/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Foreign national brw w/out qualifying U.S. credit must provide evidence of two tradelines reporting 12+ months or one tradeline reporting for 24+ months. No derogatory credit history is permitted within the most recent two-year history. Statement pg 31 states payment is late and appears to only be for one month. | This is a utility bill and was not being used as a credit reference. |  | Client 07/11/2025 10:31 AM; What document are you referring to? <br>Reviewer 07/14/2025 04:33 AM; Page #31 of the full file states at the top of the page Hello, your payment is late.<br>Reviewer 07/14/2025 04:33 AM; Page #31 of the full file states at the top of the page Hello, your payment is late.<br>Client 07/15/2025 09:46 AM; This is a utility bill and was not being used as a credit reference. <br>Reviewer 07/15/2025 11:24 AM; Condition has been reviewed. Thx<br>| 07/15/2025 |  | A | 1 | 06/xx/2025 | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxx | 1643690 | xxx | xxx | xxx | 423 | 07/09/2025 | Credit | UW Collateral |  | UW Collateral - UW - Appraisal Correction/Clarification |  | The appraisal photos and commentary indicate that the subject property is a one-unit dwelling with an accessory dwelling unit (ADU). However, Page 1 of the appraisal report is marked as one (1) unit only. Provide revised Page 1 of the appraisal report to accurately reflect one unit with an accessory dwelling unit. | Received revised appraisal |  |  | 07/28/2025 |  | A | 1 | 06/xx/2025 | TX | 1 | 1 C A | A | A |  | Exempt | 1 |
| xxx | 1643693 | xxx | xxx | xxx | 1058 | 07/03/2025 | Compliance | Compliance |  | Compliance - Need Evidence of Borrower Intent to Proceed |  |  | Information provided |  |  | 07/14/2025 |  | A | 1 | 06/xx/2025 | FL | 1 | 1 C A | C | A |  | Exempt | 1 |
| xxx | 1668769 | xxx | xxx | xxx | 967 | 07/09/2025 | Credit | Compliance |  | Compliance - CD- Dated incorrectly (Issue Date, Closing Date, Disbursement Date) |  | Need a PCCD with the funding date on pg 2, Sec F, to be corrected to on or after 7/2. The closing date is 6/27 per the Notary date on the DOT. | Revised PCCD provided |  | Client 07/16/2025 12:24 AM; Please See We do not have Escrow Items, that's why F section is blank<br>Reviewer 07/16/2025 04:30 AM; <br>Reviewer 07/16/2025 03:35 PM; Hello <br> CD issued 6/27 reflects that there was no interest collected. Need PCCD reflecting correct interest and dates on page 2 section F line 3. <br>Thanks<br>Reviewer 07/16/2025 04:01 PM; PCCD 6/27 does not reflect prepaid interest on page 2 section F. Please provide a PCCD that is completed<br>Reviewer 07/23/2025 10:01 AM; Escalated for review<br>| 07/24/2025 |  | A | 1 | 06/xx/2025 | CA | 1 | 13 C A B | C | A C |  | Exempt | 1 |
| xxx | 1668783 | xxx | xxx | xxx | 1058 | 07/09/2025 | Compliance | Compliance |  | Compliance - Need Evidence of Borrower Intent to Proceed |  |  | Information provided |  |  | 07/16/2025 |  | A | 1 | 06/xx/2025 | FL | 1 | 13 C A | C | A |  | Exempt | 1 |
| xxx | 1643374 | xxx | xxx | xxx | 7 | 07/11/2025 | Credit | Application |  | Application - Completed, signed, initial application for all applicant not in file |  | Please provide an initial application for proof of initial application date. | Information provided |  |  | 07/16/2025 |  | A | 1 | 06/xx/2025 | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxx | 1643374 | xxx | xxx | xxx | 330 | 07/12/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide final signed 1003, all pages | Fully executed 1003. |  | Reviewer 07/16/2025 12:40 PM; The 1003 provided did not have any signatures.<br>Client 07/17/2025 10:35 AM; Fully executed 1003. Thank you. <br>Reviewer 07/17/2025 10:55 AM; Condition has been reviewed. Thx<br>| 07/17/2025 |  | A | 1 | 06/xx/2025 | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxx | 1643374 | xxx | xxx | xxx | 330 | 07/12/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide copy of lock confirmation | Lock confirmation provided |  | Client 07/17/2025 10:35 AM; Please find lock confirmation. Thank you. <br>Reviewer 07/17/2025 10:55 AM; Condition has been reviewed. Thx<br>| 07/17/2025 |  | A | 1 | 06/xx/2025 | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxx | 1643657 | xxx | xxx | xxx | 336 | 07/09/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Income calculations worksheet(s) missing from file. | Income calculations worksheet provided |  | Client 08/11/2025 02:58 PM; Income calc worksheet for your review. Thank you. <br>Reviewer 08/11/2025 04:09 PM; Condition has been reviewed. Thx<br>| 08/11/2025 |  | A | 1 | 06/xx/2025 | FL | 1 | 1 C B | A | A |  | Exempt | 1 |
| xxx | 1643685 | xxx | xxx | xxx | 330 | 07/10/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Credit reference letters must include current balance and status of the account confirming no negative ending or starting balances. The letter in file does not include current balance or no negative starting or ending balances. | Received statements with no NSF |  | Reviewer 07/28/2025 04:47 PM; The documents received did not include the status of accounts confirming no negative ending or starting balances or NSF's for the past 12 months. <br>| 08/05/2025 |  | A | 1 | 06/xx/2025 | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxx | 1643690 | xxx | xxx | xxx | 1013 | 07/09/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income calculation worksheet required |  | Missing the underwriter income calculation worksheet for the bank statement income analysis. | Received bank statement income worksheet |  | Reviewer 07/14/2025 10:57 PM; The document provided is for xx and not for this borrower's employment<br>| 07/15/2025 |  | A | 1 | 06/xx/2025 | TX | 1 | 1 C A | A | A |  | Exempt | 1 |
| xxx | 1643806 | xxx | xxx | xxx | 330 | 07/11/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing the fraud report which includes all parties to the transaction is required on all loans. Fraud Report must reflect all high and medium alerts as cleared. | xxx report provided ` |  | Client 07/17/2025 09:31 PM; Please find clear fraud for your review. Thank you. <br>Reviewer 07/18/2025 05:24 AM; Condition has been reviewed. Thx<br>| 07/18/2025 |  | A | 1 | 07/xx/2025 | NJ | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| xxx | 1668539 | xxx | xxx | xxx | 1055 | 07/13/2025 | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | Provide the Asset Depletion worksheet and also retirement statement utilized for the asset depletion funds. The credit review is on hold until documents are received. | Documents provided |  |  | 07/22/2025 |  | A | 1 | 07/xx/2025 | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxx | 1668539 | xxx | xxx | xxx | 320 | 07/23/2025 | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Bank statements for account ending xxx were not provided. | Received bank statements for xxx #xxx |  |  | 07/28/2025 |  | A | 1 | 07/xx/2025 | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxx | 1668544 | xxx | xxx | xxx | 1013 | 07/14/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income calculation worksheet required |  | Missing the income calculation worksheet for the subject transaction with the bank statement analysis. | Received income worksheet |  |  | 07/14/2025 |  | A | 1 | 06/xx/2025 | CA | 1 | 13 C A | A | A |  | Exempt | 1 |
| xxx | 1668544 | xxx | xxx | xxx | 336 | 07/12/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Provide CPA letter. A copy of the CPA License was provided; however, the CPA letter was not included with the loan file. | Received CPA letter |  |  | 07/14/2025 |  | A | 1 | 06/xx/2025 | CA | 1 | 13 C A | A | A |  | Exempt | 1 |
| xxx | 1668551 | xxx | xxx | xxx | 1108 | 07/12/2025 | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | Second valuation was not provided | Received CDA |  |  | 08/18/2025 |  | A | 1 | 06/xx/2025 | VA | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| xxx | 1668551 | xxx | xxx | xxx | 272 | 07/12/2025 | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | UW Collateral UW - Appraisal Other COMMENT: Borrower was not on the title at the time of Application and property was held in the non borrowing spouse name: xxx. Missing executed Quit Claim Deed to xxx (borrower). | Quit claim deed and recording information dated 6/3/2025 (prior to the Note) was provided |  | Client 08/21/2025 12:41 PM; Please find quit claim deed and recording information. Thank you. <br>Reviewer 08/21/2025 01:54 PM; Condition has been reviewed. Thx<br>| 08/21/2025 |  | A | 1 | 06/xx/2025 | VA | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| xxx | 1668696 | xxx | xxx | xxx | 348 | 07/12/2025 | Credit | UW Other |  | UW Other - UW - SSN Discrepancy/Misrep |  | Provide documentation verifying Borrowers SSN. This is required as credit report reflects alert with multiple names associated with SSN. | Copy of SSN card provided |  | Client 08/22/2025 01:58 PM; Please find Borrowers ssn card. Thanks so much!<br>Reviewer 08/22/2025 03:00 PM; Condition has been reviewed. Thx<br>| 08/22/2025 |  | A | 1 | 07/xx/2025 | NJ | 3 | 3 C B A | N/A | N/A B |  | Exempt | 1 |
| xxx | 1668704 | xxx | xxx | xxx | 862 | 07/10/2025 | Compliance | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | The Exhibit A is missing from file. Please provide along with LOI to re-record. | Information provided |  |  | 07/22/2025 |  | A | 1 | 07/xx/2025 | NJ | 1 | 1 C B | C | A |  | Exempt | 1 |
| xxx | 1668704 | xxx | xxx | xxx | 346 | 07/12/2025 | Credit | UW Other |  | UW Other - UW - Complete Purchase Agreement |  | Page 14 of the Purchase Agreement was not signed and dated by the Seller; only the Addendum to Contract and the Notice to Buyer and Seller were properly executed. | Received page 14 fully ratified. |  |  | 07/30/2025 |  | A | 1 | 07/xx/2025 | NJ | 1 | 1 C B | C | A |  | Exempt | 1 |
| xxx | 1668710 | xxx | xxx | xxx | 862 | 07/10/2025 | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | Exhibit A is missing. The Exhibit A in file is blank. Please provide, along with LOI to re-record. | Information provided |  | Client 07/21/2025 03:59 PM; Please find exhibit A uploaded for your review. Thanks so much. <br>Reviewer 07/21/2025 04:16 PM; <br>Reviewer 07/22/2025 02:26 PM; Thank you!<br>| 07/22/2025 |  | A | 1 | 07/xx/2025 | NJ | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxx | 1668769 | xxx | xxx | xxx | 879 | 07/12/2025 | Compliance | Application |  | Application - Other: |  | The declarations section is not completed on the Final Application for co-borrower xx | Information provided |  |  | 07/21/2025 |  | A | 1 | 06/xx/2025 | CA | 1 | 13 C A B | C | A C |  | Exempt | 1 |
| xxx | 1668769 | xxx | xxx | xxx | 272 | 07/14/2025 | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Appraisal shows picture of a two shed units but only identifies one unit. Shed interior picture is only of 1 of the sheds. Second shed has the appearance of a possible ADU, not addressed in appraisal. | The appraiser provided commentary stating the shed was considered personal property and not given any value. |  | Client 08/01/2025 08:22 AM; The appraiser provided commentary stating the shed was considered personal property and not given any value. Additional information should not be required. <br>Reviewer 08/01/2025 09:07 AM; Condition has been reviewed. Thx<br>| 08/01/2025 |  | A | 1 | 06/xx/2025 | CA | 1 | 13 C A B | C | A C |  | Exempt | 1 |
| xxx | 1668769 | xxx | xxx | xxx | 272 | 07/15/2025 | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | An invoice for a Collateral Desktop Analysis was included in the loan file. Please provide full CDA. | Received CDA |  |  | 07/15/2025 |  | A | 1 | 06/xx/2025 | CA | 1 | 13 C A B | C | A C |  | Exempt | 1 |
| xxx | 1668769 | xxx | xxx | xxx | 897 | 07/23/2025 | Compliance | Compliance |  | Compliance - TRID CD- Other |  | PCCD 7/22 is missing payee for the originator compensation | Revised PCCD provided |  | Client 07/24/2025 12:40 AM; PC-CD has been uploaded yesterday<br>Reviewer 07/24/2025 04:15 AM; <br>Reviewer 07/24/2025 01:53 PM; Hello <br> This has been cleared. <br>Thanks<br>| 07/24/2025 |  | A | 1 | 06/xx/2025 | CA | 1 | 13 C A B | C | A C |  | Exempt | 1 |
| xxx | 1668786 | xxx | xxx | xxx | 336 | 07/15/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Income calculation worksheet missing from file. | Income work sheet provided |  | Client 08/04/2025 04:50 PM; Income calc worksheet for your review. Thanks so much. <br>Reviewer 08/05/2025 04:51 AM; Condition has been reviewed. Thx<br>| 08/05/2025 |  | A | 1 | 07/xx/2025 | FL | 1 | 1 C A | A | A |  | Exempt | 1 |
| xxx | 1668786 | xxx | xxx | xxx | 336 | 07/15/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Verification of business existence within 10 days of the note missing from file. | Internet print out reflects business active. |  |  | 08/05/2025 |  | A | 1 | 07/xx/2025 | FL | 1 | 1 C A | A | A |  | Exempt | 1 |
| xxx | 1668788 | xxx | xxx | xxx | 272 | 07/15/2025 | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | CU score 2.6. Appraisal Desk review required if CU is above 2.5. | Received CDA |  |  | 07/30/2025 |  | A | 1 | 07/xx/2025 | MI | 1 | 1 C B | C | A C |  | Exempt | 1 |
| xxx | 1668788 | xxx | xxx | xxx | 884 | 07/11/2025 | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | COC provided |  |  | 07/22/2025 |  | A | 1 | 07/xx/2025 | MI | 1 | 1 C B | C | A C |  | Exempt | 1 |
| xxx | 1668788 | xxx | xxx | xxx | 898 | 07/11/2025 | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Loan is failing 0% tolerance for Points added to the 6/27 LE and for Lender Credit decrease. Total violation amount is $380. Need a PCCD with cure, lox to borrower, proof of refund, and evidence of payment shipped, all within 60 days of consummation. | COC provided |  | Reviewer 07/21/2025 09:06 AM; The loan was locked on 6/12, however the increase in discount points and lender credit decrease was reflected on the 6/27 LE. More than 3 days after the lock date. A COC has not been provided for these changes. Refund required<br>| 07/22/2025 |  | A | 1 | 07/xx/2025 | MI | 1 | 1 C B | C | A C |  | Exempt | 1 |
| xxx | 1669488 | xxx | xxx | xxx | 824 | 07/19/2025 | Credit | Title Policy |  | Title Policy - is missing. Final ALTA title policy required. |  | Please provide the title policy. | Information provided |  |  | 08/01/2025 |  | A | 1 | 06/xx/2025 | OR | 3 | 1 B A | N/A | N/A |  | Exempt | 1 |
| xxx | 1670177 | xxx | xxx | xxx | 437 | 07/29/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | Provide verbal verification of employment dated within 20 business days of note date. | VVOE provided |  | Client 08/04/2025 02:51 PM; Please find VVOE attached. Thank you. <br>Reviewer 08/04/2025 04:32 PM; Condition has been reviewed. Thx<br>| 08/04/2025 |  | A | 1 | 06/xx/2025 | VA | 1 | 1 D A | A | A |  | Exempt | 1 |
| xxx | 1670177 | xxx | xxx | xxx | 1018 | 07/29/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employed verify business |  | Provide evidence of the existence of the borrower's business from a disinterested third party within 10 days of closing. | Internet print out provided |  |  | 08/04/2025 |  | A | 1 | 06/xx/2025 | VA | 1 | 1 D A | A | A |  | Exempt | 1 |
| xxx | 1670177 | xxx | xxx | xxx | 1014 | 07/29/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income calculation worksheet self employed |  | Provide bank statement analysis worksheet. | Bank statement Income work sheet provided |  | Client 08/04/2025 02:53 PM; Please find income calc for your review. Thank you. <br>Reviewer 08/04/2025 04:33 PM; Condition has been reviewed. Thx<br>| 08/04/2025 |  | A | 1 | 06/xx/2025 | VA | 1 | 1 D A | A | A |  | Exempt | 1 |
| xxx | 1670179 | xxx | xxx | xxx | 328 | 07/30/2025 | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | Missing the property profile report and proof property taxes are paid current for the following property to meet housing history requirementsxxx, xxx, IL xxx. Credit Report does not show a mortgage lien and a Verification of Mortgage (VOM) was not provided. | Property was owned free and clear per title; see uploaded title report |  | Client 08/05/2025 08:16 AM; Property was owned free and clear per title; see uploaded title report <br>Reviewer 08/05/2025 09:00 AM; Condition has been reviewed. Thx<br>| 08/05/2025 |  | A | 1 | 07/xx/2025 | IL | 1 | 3 C A | A | A |  | Exempt | 1 |
| xxx | 1670179 | xxx | xxx | xxx | 392 | 07/30/2025 | Credit | UW Credit |  | UW Credit - UW - Debt Clarification |  | Missing documentation of the new mortgage lien terms and payment for the property located at xxx, IL xxx. The final loan application shows the property was being refinanced concurrently with the subject transaction. | First payment letter provided. |  |  | 08/05/2025 |  | A | 1 | 07/xx/2025 | IL | 1 | 3 C A | A | A |  | Exempt | 1 |
| xxx | 1670179 | xxx | xxx | xxx | 1013 | 07/30/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income calculation worksheet required |  | Missing the income calculation worksheet for the business bank statement income analysis. | Bank statement income calculator provided. |  |  | 08/05/2025 |  | A | 1 | 07/xx/2025 | IL | 1 | 3 C A | A | A |  | Exempt | 1 |
| xxx | 1670179 | xxx | xxx | xxx | 320 | 07/30/2025 | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Missing access letter(s) from the remaining owners of the business as assets from the following account over the percent of ownership were used toward down payment and reserves xxx xxx. | Borrower qualifies using the 63.49% of xxx #xxx per CPA letter |  | Client 08/05/2025 08:29 AM; Bwr qualifies using the 63.49% of xxx #xxx per CPA letter <br>Reviewer 08/05/2025 09:00 AM; Condition has been reviewed. Thx<br>| 08/05/2025 |  | A | 1 | 07/xx/2025 | IL | 1 | 3 C A | A | A |  | Exempt | 1 |
| xxx | 1670180 | xxx | xxx | xxx | 1014 | 07/30/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income calculation worksheet self employed |  | Provide bank statement analysis worksheet. | Received Bank statement income analysis |  |  | 07/31/2025 |  | A | 1 | 07/xx/2025 | CA | 1 | 13 C A | A | A |  | Exempt | 1 |
| xxx | 1670186 | xxx | xxx | xxx | 6 | 07/30/2025 | Credit | Application |  | Application - Completed, signed, final application for all applicant not in file |  | The Final Loan Application for the borrower and co-borrower was not found in the file. Provide Final Loan Application for both borrowers. | Information provided |  |  | 08/05/2025 |  | A | 1 | 07/xx/2025 | CA | 1 | 1 C A | A | A |  | Exempt | 1 |
| xxx | 1670186 | xxx | xxx | xxx | 336 | 07/30/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Provide 12-month bank statement income work sheet | Worksheet provided |  |  | 08/05/2025 |  | A | 1 | 07/xx/2025 | CA | 1 | 1 C A | A | A |  | Exempt | 1 |
| xxx | 1670186 | xxx | xxx | xxx | 330 | 07/30/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide final 1003. The 1003 provided was dated 6/26/2025 Note dated 7/xx/2025 | Received final signed 1003 |  |  | 08/05/2025 |  | A | 1 | 07/xx/2025 | CA | 1 | 1 C A | A | A |  | Exempt | 1 |
| xxx | 1670186 | xxx | xxx | xxx | 336 | 07/30/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Provide Third-party verification of business existence | CPA letter provided is dated 07/xx/25 within 20 business days of the note date |  | Client 08/05/2025 12:50 PM; cpa letter provided is dated 07/xx/25 within 20 business days of the note date<br>Reviewer 08/05/2025 01:49 PM; Condition has been reviewed. Thx<br>| 08/05/2025 |  | A | 1 | 07/xx/2025 | CA | 1 | 1 C A | A | A |  | Exempt | 1 |
| xxx | 1670186 | xxx | xxx | xxx | 336 | 07/30/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Provide CPA, Enrolled Agent, CTEC, or chartered tax adviser documentation showing per cent of ownership. | Documents provided |  |  | 08/05/2025 |  | A | 1 | 07/xx/2025 | CA | 1 | 1 C A | A | A |  | Exempt | 1 |
| xxx | 1670186 | xxx | xxx | xxx | 336 | 07/30/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Provide xx bank statement for the month of February 2025. | Documents provided |  |  | 08/05/2025 |  | A | 1 | 07/xx/2025 | CA | 1 | 1 C A | A | A |  | Exempt | 1 |
| xxx | 1670280 | xxx | xxx | xxx | 63 | 07/30/2025 | Compliance | Right to Cancel |  | Right to Cancel - expiration is not three days from execution. |  | Consummation date was 7/xx/2025 and the Borrowers' should have had until Midnight of 7/xx/2025 to cancel. Please provide a new Right of Rescission. | recission was re-opened |  |  |  | 08/15/2025 | B | 2 | 07/xx/2025 | FL | 1 | 3 D B A | C | B A |  | Exempt | 1 |
| xxx | 1670280 | xxx | xxx | xxx | 884 | 07/30/2025 | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 08/20/2025 |  | A | 1 | 07/xx/2025 | FL | 1 | 3 D B A | C | B A |  | Exempt | 1 |
| xxx | 1670280 | xxx | xxx | xxx | 894 | 07/30/2025 | Compliance | Compliance |  | Compliance - TRID LE- Other |  | Provide evidence LE dated 7/xx/2025 was rec'd by the borrower at least 4 days prior to consummation date of 7/xx/2025. | Information provided |  | Reviewer 08/11/2025 09:32 AM; Evidence of receipt of 7/16 LE has not been provided<br>| 08/20/2025 |  | A | 1 | 07/xx/2025 | FL | 1 | 3 D B A | C | B A |  | Exempt | 1 |
| xxx | 1670280 | xxx | xxx | xxx | 897 | 07/30/2025 | Compliance | Compliance |  | Compliance - TRID CD- Other |  | Dated incorrectly (Issue Date, Closing Date, Disbursement Date) COMMENT Consummation date was 7/xx/2025 and the Borrowers' should have had until Midnight of 7/xx/2025 to cancel. Provide PCCD with correct closing and/or funding date and also please provide evidence loan has funded. Please provide copy of wire, recording, title or any other documentation that would reflect that the loan has funded and the correct funding date. Disbursement date could not have been prior to 7/xx/2025. | loan funded 7/xx - recission was re-opened |  |  | 08/15/2025 |  | A | 1 | 07/xx/2025 | FL | 1 | 3 D B A | C | B A |  | Exempt | 1 |
| xxx | 1670280 | xxx | xxx | xxx | 898 | 07/30/2025 | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | 0% and 10% tolerance violation for addition of Appraisal Re-Inspection Fee and increase in Recording Fee without a valid COC. Total tolerance violation of $234.10. A refund in the amount of $34.65 was provided. An additional refund of $199.45 is required along with Post CD, lox to borrower, copy of refund check and proof of delivery required within 60 days from consummation. | COC provided |  |  | 08/11/2025 |  | A | 1 | 07/xx/2025 | FL | 1 | 3 D B A | C | B A |  | Exempt | 1 |
| xxx | 1670280 | xxx | xxx | xxx | 424 | 07/31/2025 | Credit | UW Collateral |  | UW Collateral - UW - Appraisal Report invalid or expired |  | Appraisal Expired. Per guidelines, appraisals expire after 120 days. However, an appraisal report may be valid for up to 180 days with a recertification of value. The appraisal report date is 01/xx/2025, making the 180&#xxx;day expiration date 07/xx/2025. Note date 07/xx/2025. | Received recertification of Value 6/17/25 |  |  | 08/03/2025 |  | A | 1 | 07/xx/2025 | FL | 1 | 3 D B A | C | B A |  | Exempt | 1 |
| xxx | 1670280 | xxx | xxx | xxx | 423 | 07/31/2025 | Credit | UW Collateral |  | UW Collateral - UW - Appraisal Correction/Clarification |  | Appraisal discrepancies were not properly addressed. Per guidelines, any discrepancies between two appraisals must be reconciled. The first appraisal report, with a value of $xxx, describes the subject property as a xxx; bedroom, xxx;bathroom dwelling with a GLA of xxx sq. ft. and notes that it was not listed for sale. However, the second appraisal report describes the property as having 5 bedrooms, 4.1 bathrooms, a GLA of xxx sq. ft., and indicates that it was listed for sale at the time of inspection. | Per xxx, we are not able to get the appraisers to have exact matching GLAs as they both measured in ANSI |  | Client 08/21/2025 10:36 AM; see email from appraisal desk; They are unable to get the appraisals updated due to the appraiser's both measured in ANSI<br>Reviewer 08/21/2025 11:11 AM; Condition has been reviewed. Thx<br>| 08/21/2025 |  | A | 1 | 07/xx/2025 | FL | 1 | 3 D B A | C | B A |  | Exempt | 1 |
| xxx | 1670280 | xxx | xxx | xxx | 335 | 07/31/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Calculation Incorrect |  | Income was incorrectly calculated, resulting in a DTI greater than 50%. The income calculation worksheet reflects a 100% ownership percentage for Borrower 1's business; however, the CPA letter states the borrowers have a combined ownership percentage of 67%. The correct total qualifying income is $44,690.27 (Borrower 1 $32,848.91; Borrower 2 $11,841.36), whereas the submitted income was $48,019.86. | Using total income of $44,690 + asset utilization $10,369 = $55,059 |  |  | 08/13/2025 |  | A | 1 | 07/xx/2025 | FL | 1 | 3 D B A | C | B A |  | Exempt | 1 |
| xxx | 1670280 | xxx | xxx | xxx | 434 | 07/31/2025 | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | File is short total funds for reserves. Funds to close are $xxx and required reserves are $xxx (nine months). The loan file contained verification of assets totaling $xxx. This leaves a shortage of $xxx. | Total funds available for closing $660,000 from trust and $250,000 in xxx #xxx = $xxx. Sufficient for CTC and 9 months reserves ($$xxx + $xxx = $xxx) Additional funds in other accounts = $xxx months = $xxx4. Only using $xxx for asset utilization |  |  | 08/13/2025 |  | A | 1 | 07/xx/2025 | FL | 1 | 3 D B A | C | B A |  | Exempt | 1 |
| xxx | 1670280 | xxx | xxx | xxx | 328 | 07/31/2025 | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | Housing History Requirements Not Met. According to the Letter of Explanation (LOE) from the trustee, the borrowers currently reside rent-free in a property owned by the co-borrower and her brothers, held in a trust, and the 2024 property taxes for this property are delinquent. In addition, per program guidelines, borrowers who do not have a complete xxx;month housing history are subject to several restrictions, including a maximum debt-to-income (DTI) ratio of 45%. The subject loan reflects a DTI of 53.67%, which exceeds this limit. | UW discretion comments on 1008 for living rent free |  | Client 08/13/2025 08:09 AM; UW discretion on 1008 for living rent free<br>Reviewer 08/13/2025 08:54 AM; Condition has been reviewed. Thx<br>| 08/13/2025 |  | A | 1 | 07/xx/2025 | FL | 1 | 3 D B A | C | B A |  | Exempt | 1 |
| xxx | 1670280 | xxx | xxx | xxx | 894 | 08/11/2025 | Compliance | Compliance |  | Compliance - TRID LE- Other |  | Please provide how the LE dated 7/19 can be e-signed by the borrowers on 7/17. Document cannot be signed before it was issued. | Information provided |  |  | 08/20/2025 |  | A | 1 | 07/xx/2025 | FL | 1 | 3 D B A | C | B A |  | Exempt | 1 |
| xxx | 1670285 | xxx | xxx | xxx | 862 | 07/30/2025 | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | Exhibit A is missing from file. The Exhibit A in file is blank. Please provide, along with LOI to re-record. | Documents provided |  |  | 08/08/2025 |  | A | 1 | 07/xx/2025 | NJ | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxx | 1670292 | xxx | xxx | xxx | 1014 | 07/31/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income calculation worksheet self employed |  | Provide bank statement analysis worksheet. | Received bank statement income calculation worksheet |  |  | 08/04/2025 |  | A | 1 | 07/xx/2025 | PA | 1 | 1 C A | C | A |  | Exempt | 1 |
| xxx | 1670292 | xxx | xxx | xxx | 862 | 07/30/2025 | Compliance | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | Exhibit A in file is not legible, print very light. Please provide legible copy. | legible exhibit A provided |  |  | 08/04/2025 |  | A | 1 | 07/xx/2025 | PA | 1 | 1 C A | C | A |  | Exempt | 1 |
| xxx | 1670296 | xxx | xxx | xxx | 1014 | 07/31/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income calculation worksheet self employed |  | Provide bank statement analysis worksheet. | Received bank statement income worksheet |  |  | 08/05/2025 |  | A | 1 | 07/xx/2025 | TN | 1 | 1 C A | A | A |  | Exempt | 1 |
| xxx | 1670298 | xxx | xxx | xxx | 445 | 07/31/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Other income documentation missing/incomplete |  | Provide bank statement analysis worksheet for the borrower. | Received bank statement income worksheet |  |  | 08/07/2025 |  | A | 1 | 07/xx/2025 | FL | 1 | 1 D A | A | A |  | Exempt | 1 |
| xxx | 1670469 | xxx | xxx | xxx | 666 | 08/01/2025 | Credit | Sales Contract |  | Sales Contract - Compliance \ Sales Contract missing |  | Please provide the sales contract/purchase agreement. | Information provided |  |  | 08/05/2025 |  | A | 1 | 07/xx/2025 | NJ | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxx | 1670521 | xxx | xxx | xxx | 219 | 08/02/2025 | Credit | HUD1 |  | HUD1 - Final HUD-1 is missing |  | The HUD-1 Settlement Statement or Closing Disclosure was not found in the file. Provide document. | HUD provided |  | Client 08/28/2025 12:16 PM; Interested reflected is for Sellers payoff not Borrowers. Property is located in CA <br>Reviewer 08/28/2025 12:29 PM; <br>Reviewer 08/28/2025 02:02 PM; Hello <br> This has been cleared. <br>Thanks<br>| 08/28/2025 |  | A | 1 | 07/xx/2025 | CA | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxx | 1670527 | xxx | xxx | xxx | 437 | 08/03/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | Provide VVOE for co-borrower from xxx within 10 days of the note date of 7/xx/2025. WVOE was dated 7/xx/2025 | VVOE dated 7/xx/2025 provided |  |  | 08/05/2025 |  | A | 1 | 07/xx/2025 | FL | 1 | 1 D B | A | A |  | Exempt | 1 |
| xxx | 1670543 | xxx | xxx | xxx | 378 | 08/05/2025 | Credit | UW Other |  | UW Other - UW - Initial/Final 1003 incomplete/missing |  | Documentation included in the file reflected the borrower as a non-permanent resident alien. Provide updated 1003 to reflect. | received revised loan application |  | Reviewer 08/18/2025 11:29 AM; The 1003 provided reflects borrower is a Permanent Resident Alien. The borrower's identification documents provided reflect status as Non-Permanent Resident Alien<br>| 08/20/2025 |  | A | 1 | 07/xx/2025 | KS | 3 | 13 D A | N/A | N/A |  | Exempt | 1 |
| xxx | 1670546 | xxx | xxx | xxx | 272 | 08/04/2025 | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Page 1 of the appraisal report is missing the additional parcel number xxx, and the appraiser's comment regarding the parcels being contiguous. The subject property closed with two parcels xxx and xxx. Per guidelines, the appraised value must reflect all parcels of land. There is no indication in the appraisal report that the additional parcel xxx was included in the valuation. | Received revised appraisal including both parcels |  |  | 08/12/2025 |  | A | 1 | 07/xx/2025 | FL | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| xxx | 1670548 | xxx | xxx | xxx | 1108 | 08/04/2025 | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | A FNMA UCDP report with a score of 2.5 or below is missing. If the score exceeds 2.5, a secondary collateral evaluation will be necessary. | Received FNMA score = 1 |  |  | 08/11/2025 |  | A | 1 | 07/xx/2025 | NJ | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| xxx | 1670549 | xxx | xxx | xxx | 423 | 08/04/2025 | Credit | UW Collateral |  | UW Collateral - UW - Appraisal Correction/Clarification |  | Appraisal discrepancies were not properly addressed. Per guidelines, any discrepancies between two appraisals must be reconciled. The first appraisal report, with a value of $xxx, describes the subject property as built in 2024 with a GLA of xxx sq. ft, C1 condition and Gas was listed as "Public". However, the second appraisal report describes the property as built in 2025 with a GLA of xxx sq. ft, C2 condition, Marketing Time of 3-6 months and Gas was listed as "Other-Electric" . | received revised appraisal |  | Reviewer 08/13/2025 01:01 PM; Received revised appraisals. Provide the date of completion for the age of the subject.<br>Reviewer 08/14/2025 11:52 AM; Appraisal by XXX reflects the property was built in 2024. Please provide revised appraisal stating correct build date of 2025 per the COO<br>| 08/19/2025 |  | A | 1 | 07/xx/2025 | NY | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| xxx | 1670549 | xxx | xxx | xxx | 868 | 08/01/2025 | Credit | Hazard Insurance |  | Hazard Insurance - Other: |  | Please provide updated hazard policy that reflects the premium amount. | Information provided |  |  | 08/11/2025 |  | A | 1 | 07/xx/2025 | NY | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| xxx | 1670958 | xxx | xxx | xxx | 437 | 08/10/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | Missing verification of the existence of the Employment listed on the co-borrower's loan application section 1c.. Per guidelines, must be independently verified through a disinterested third party within 10 business days of closing. The Secretary of State listing reflecting current year registration and active status was not dated. | Self Employed, License provided which expires 4/30/2027; therefore, it is active till 2027 |  | Client 08/18/2025 07:35 AM; Borrower is Self Employed, License is uploaded <br>Client 08/18/2025 07:38 AM; And license is expiring on 2027-04-30, so it is active till 2027<br>Reviewer 08/18/2025 07:58 AM; Condition has been reviewed. Thx<br>Reviewer 08/18/2025 07:58 AM; Condition has been reviewed. Thx<br>| 08/18/2025 |  | A | 1 | 07/xx/2025 | VA | 1 | 1 D A | C | A |  | Exempt | 1 |
| xxx | 1670958 | xxx | xxx | xxx | 884 | 08/06/2025 | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 08/27/2025 |  | A | 1 | 07/xx/2025 | VA | 1 | 1 D A | C | A |  | Exempt | 1 |
| xxx | 1670958 | xxx | xxx | xxx | 898 | 08/06/2025 | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Loan is failing 0% tolerance for the increase in the Transfer Taxes in Sec E of the 7/15 CD. The COC for this date does not give a valid explanation for this fee increase. Violation amount is $129.34. Need a PCCD with cure, lox to borrower, proof of refund, and evidence of payment shipped, all within 60 days of consummation. | Information provided |  | Client 08/15/2025 11:07 AM; This was done on the 7.14 locked LE when title uploaded their estimated CD, not on 7.15. This is not a valid condition. <br>Reviewer 08/15/2025 11:28 AM; <br>Reviewer 08/18/2025 11:45 AM; Hello <br> The transfer taxes did not increase until the 7/15 CD (COC dated 7/15 does not give a valid reason for the increase in fee). <br>Thanks<br>Reviewer 08/21/2025 01:05 PM; Received PCCD reflecting cure, however still need LOX to borrower and proof of refund<br>Reviewer 08/25/2025 11:49 AM; Received LOX to borrower, however, still missing the proof of refund<br>| 08/27/2025 |  | A | 1 | 07/xx/2025 | VA | 1 | 1 D A | C | A |  | Exempt | 1 |
| xxx | 1672198 | xxx | xxx | xxx | 272 | 08/25/2025 | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | The appraisal report identifies the subject property as being located in a rural area. According to xxx guidelines, properties in rural locations are ineligible. | Revised appraisal provided Subject is suburban |  | Client 08/28/2025 08:26 AM; Please see matrix confirming "rural properties" acceptable in Accelerator product. Thanks so much. <br>Reviewer 08/28/2025 09:09 AM; Hello, Matrix provided is for Alt Doc products. Transaction is a DSCR. Thx<br>Reviewer 08/28/2025 09:09 AM; Hello, Matrix provided is for Alt Doc products. Transaction is a DSCR. Thx<br>Client 08/28/2025 12:24 PM; My apologies XXX. We went back to the appraiser to confirm subject is not rural per his ariel view map showing properties all around the subject. Appraiser provide with the following updated appraisal and corrected the "Neighborhood to Suburban". Thanks so much. <br>Reviewer 08/28/2025 12:53 PM; Condition have been reviewed. Thx<br>| 08/28/2025 |  | A | 1 | 06/xx/2025 | PA | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| xxx | 1641940 | xxx | xxx | xxx | 851 | 06/12/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception approval required for a loan amount that is less than the program minimum of $125,000. Actual loan amount is $xxx. |  | Approval granted for a loan amount under $125,000. Compensating factors are (1) LTV is <= 70% (2) Reserves from own funds of at least 6 months; 4 months > min 2 months (3) Borrower's credit score is at least 40 points > min 620 |  |  |  | 06/12/2025 B | 2 | 05/xx/2025 | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxx | 1643657 | xxx | xxx | xxx | 330 | 07/09/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Borrower minimum contribution of 10% not met as Seller/Realtor credit exceed actual closing costs. |  | Client waived with compensating factors: >=6 months additional reserves (actual $134,957.49=28.46 months), residual income >=$3000.00 actual residual income $21,242.67 | Client 08/27/2025 06:44 PM; Please find exception. Thank you. <br>Reviewer 08/27/2025 08:02 PM; Condition has been reviewed. Thx<br>|  |  | 08/27/2025 B | 2 | 06/xx/2025 | FL | 1 | 1 C B | A | A |  | Exempt | 1 |
| xxx | 1643657 | xxx | xxx | xxx | 330 | 07/09/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Total contributions exceed total closing costs. Total contributions Seller $30,000 and Realtor $5699.05 = $35699.05. Total closing costs including POC $34084.82 = Overage of $1614.23. |  | Client waived with compensating factors: >=6 months additional reserves (actual $134,957.49=28.46 months), residual income >=$3000.00 actual residual income $21,242.67 | Client 08/27/2025 06:43 PM; Please find exception. Thank you. <br>Reviewer 08/27/2025 08:01 PM; Condition has been reviewed. Thx<br>|  |  | 08/27/2025 B | 2 | 06/xx/2025 | FL | 1 | 1 C B | A | A |  | Exempt | 1 |
| xxx | 1671838 | xxx | xxx | xxx | 851 | 08/19/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Maximum cash out for a DSCR Cash out refinance is $500,000. Subject cash out $xxx. |  | Client Waived with Compensating Factors: DSCR 1.16 above minimum requirement of 1.00. 102.88 months reserve above 2 months required. Experienced investor. |  |  |  | 08/19/2025 B | 2 | 07/xx/2025 | WA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| xxx | 1670463 | xxx | xxx | xxx | 330 | 07/31/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Borrower lived rent free last 12 months with someone other than spouse. |  | Client Waived with Compensating Factors: Reserves of 8.62 months after closing where only 2 months were required, DSCR of 1.24 where 1.0 was required and 763 fico score where the minimum required is 740 | Client 08/20/2025 11:11 AM; please see UW explanation uploaded<br>Reviewer 08/20/2025 11:51 AM; Hello, <br> UW explanation was not uploaded. Please upload again Thx<br>|  |  | 08/27/2025 B | 2 | 07/xx/2025 | NJ | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxx | 1668788 | xxx | xxx | xxx | 330 | 07/15/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Brw living rent free with his father, who is the tenant on record with the landlord/management company |  | Comp factors: 1)DTI is at least 10 percentage points < max 45%. 2)residual income > $3000. 3)No derogs on credit report in > 2 years (or ever). |  |  |  | 07/15/2025 B | 2 | 07/xx/2025 | MI | 1 | 1 C B | C | A C |  | Exempt | 1 |
| xxx | 1634335 | xxx | xxx | xxx | 851 | 03/15/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guidelines require 12 months of business bank statements for the same account (If an account has been moved to a different bank and is shown to be one and the same it is allowable). Co-mingling of multiple accounts is not permitted. Borrowers used 2 different bank accounts. |  | Compensating Factors: DTI (19.253%) is more than 10% < max of 45%; Residual income > $3,000.00; Credit score (803) at least 40 points > min of 640. |  |  |  | 03/15/2025 B | 2 | 03/xx/2025 | CA | 1 | 13 C B | A | A |  | Exempt | 1 |
| xxx | 1634335 | xxx | xxx | xxx | 851 | 03/15/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guidelines required borrowers who do not have a complete 12-month housing history and live rent-free with anyone other than a spouse are ineligible. Borrower and co-borrower were previously living rent-free with co-borrower's parents from August 2021- September 2024. |  | Compensating Factors: DTI (19.253%) is more than 10% < max of 45%; Residual income > $3,000.00; Credit score (803) at least 40 points > min of 640. |  |  |  | 03/15/2025 B | 2 | 03/xx/2025 | CA | 1 | 13 C B | A | A |  | Exempt | 1 |
| xxx | 1670286 | xxx | xxx | xxx | 851 | 07/31/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Maximum number of loans is 10 per borrower. Borrower has a total of 18 with aggregate of $xx |  | Compensating Factors: FICO (755) 40+ points over the minimum required score (640) for the LTV requested; Over 4 months additional reserves than required. |  |  |  | 07/31/2025 B | 2 | 07/xx/2025 | NJ | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxx | 1670289 | xxx | xxx | xxx | 851 | 07/31/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Maximum number of loans is 10 per borrower. Borrower has a total of 18 with aggregate of $xx |  | Compensating Factors: FICO (755) 40+ points over the minimum required score (640) for the LTV requested; Over 4 months additional reserves than required. |  |  |  | 07/31/2025 B | 2 | 07/xx/2025 | NJ | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxx | 1670290 | xxx | xxx | xxx | 851 | 07/31/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Maximum number of loans is 10 per borrower. Borrower has a total of 18 with aggregate of $xx |  | Compensating Factors: FICO (755) 40+ points over the minimum required score (640) for the LTV requested; Over 4 months additional reserves than required. |  |  |  | 07/31/2025 B | 2 | 07/xx/2025 | NJ | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxx | 1641538 | xxx | xxx | xxx | 851 | 06/05/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception required for loan amount under minimum required $125,000.00. The subject loan amount is $xxx. |  | Compensating Factors: FICO (804) 40+ points over minimum required (640); Over 4 months additional reserves (19 months) over the required minimum (2 months). |  |  |  | 06/05/2025 B | 2 | 05/xx/2025 | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxx | 1669503 | xxx | xxx | xxx | 330 | 07/23/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Borrowers living rent free with anyone other than spouse are not eligible. Borrower is living rent free with mother. |  | Compensating Factors: LTV (70%) is at least 15 percentage points < max 85%; At least 7 months reserves: 4 months > minimum of 3; Borrower credit score (737) is at least 40 points > minimum 640; At least 3 tradelines are > 5 years; Residual income is > $5,000.00. |  |  |  | 07/23/2025 B | 2 | 06/xx/2025 | FL | 1 | 1 C B | A | A |  | Exempt | 1 |
| xxx | 1668704 | xxx | xxx | xxx | 327 | 07/12/2025 | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | Missing the most recent lease agreement and documentation of the most recent twelve months rent verification via cancelled check. Lease agreement was not the most recent twelve months, and borrower paid rent in cash from 01/2025 to 5/2025 due to landlord having bank issues. |  | Compensating Factors: LTV of 75% is < 10% of the max allowable of 85%; Qualifying FICO of 737 is > 40+ points over the minimum matrix tier of 680 for an LTV above 70%; and Residual Income of $6,466 is greater than $3,000. |  |  |  | 07/12/2025 B | 2 | 07/xx/2025 | NJ | 1 | 1 C B | C | A |  | Exempt | 1 |
| xxx | 1642585 | xxx | xxx | xxx | 336 | 06/24/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | The loan closed using qualifying income from two business bank accounts, including credit card deposits from sales transferred into one account from the borrower's other business. Per guidelines, co-mingling of multiple accounts to satisfy a full 12-month income history is not permitted. |  | Compensating Factors: Qualifying FICO of 758 where the minimum matrix tier 640. LTV 37.79% where the max LTV for the program is 85%. Residual Income of $18,000. Excellent mortgage payment history dating back to 2002. |  |  |  | 06/24/2025 B | 2 | 06/xx/2025 | CT | 1 | 3 C B | C | A |  | Exempt | 1 |
| xxx | 1668558 | xxx | xxx | xxx | 327 | 07/13/2025 | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | Borrower's living rent free with an individual other than a spouse or having no housing history are considered on a case-by-case basis. Borrower is living rent free with her mother. |  | Compensating Factors: Reserves of $90,542.16 where the minimum requirement is two (2) months; Loan amount of $440,000 where the guideline maximum is $1.0M; LTV of 56% where the guideline maximum is 75% and Qualifying FICO of 762 more than 40 points over the min score in the tier. |  |  |  | 07/13/2025 B | 2 | 06/xx/2025 | CA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxx | 1641895 | xxx | xxx | xxx | 327 | 06/10/2025 | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | No housing history. Borrower lives rent free with Cousin. |  | Compensation Factors: Credit score is 48 points above required FICO. Low LTV- 47.17%. Max permitted is 85%. Borrower verified over 11 months in reserves. Borrower provided 12 months credit card statement as required. |  |  |  | 06/10/2025 B | 2 | 05/xx/2025 | NY | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxx | 1643671 | xxx | xxx | xxx | 851 | 07/08/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception required for borrowers paid rent in cash for current primary residence between November 2024 through May 2025, cancelled checks were provided for the previous 5 months. |  | Compensation factors: DTI < 25%, Residual Income > $3,000, Borrowers FICO is 797 vs min required is 680. |  |  |  | 07/08/2025 B | 2 | 06/xx/2025 | IL | 1 | 1 D B | C | A |  | Exempt | 1 |
| xxx | 1670527 | xxx | xxx | xxx | 851 | 08/03/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception allowing DTI over 45% vs program maximum DTI of 45% for FTHB |  | Exception approved allowing DTI of 49.94%. Compensating Factors: FICO 726 (26) points over minimum matrix tier, Residual income over $3,000 (actual $6346.25) Reserves 12.82 months (3 required) |  |  |  | 08/03/2025 B | 2 | 07/xx/2025 | FL | 1 | 1 D B | A | A |  | Exempt | 1 |
| xxx | 1641543 | xxx | xxx | xxx | 351 | 06/05/2025 | Credit | UW Qualifications |  | UW Qualifications - UW - DTI exceeds maximum limit |  | Condo Max LTV 70% on NO RATIO cash-out. Loan approved LTV 75% no exception stated in file. |  | Exception granted allowing 75% LTV for a cash-out DSCR. Compensating factors: DSCR>1.15%, FICO 40 points over the minimum of 700 (FICO 748), 11-years clean housing credit, reserves $14,707.49 (3.92 months 2 months required) | Client 07/08/2025 02:02 PM; Please find exception uploaded for your review. Thank you. <br>Reviewer 07/08/2025 02:52 PM; Condition has been reviewed Thx<br>|  |  | 07/08/2025 B | 2 | 05/xx/2025 | TX | 3 | 13 C B | N/A | N/A C |  | Exempt | 1 |
| xxx | 1670841 | xxx | xxx | xxx | 326 | 08/08/2025 | Credit | UW Credit |  | UW Credit - UW - Evidence Satisfaction of Debt |  | All judgments and liens must be paid in full prior to or at closing. Judgement on fraud required to be paid or proof of release. Borrower advised its Paid but they cannot produce proof. Condition was waived by xxx with the LOE |  | Other Comp factors: 1. >= 6 months Addt'l Reserves and <= $1.5 M. Approved by xxx, LOE in the file, and verified assets that could cover if not already have. |  |  |  | 08/08/2025 B | 2 | 06/xx/2025 | NY | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |

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## Exhibit 99.3

**Exhibit 99.3 Schedule 6**

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| |
|:---|
| ![](ex99-3sch6_001.jpg) |
| **QM ATR Data** |
| **Run Date - 11/06/2025 8:12:05 AM** |

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| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Level ATR/QM Status** | **Verified Safe Harbor** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **GSE Eligible** | **CDFI Indicator** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower Foreign National Indicator** | **Borrower Residency Source** | **Co Borrower Foreign National Indicator** | **Co Borrower Residency Source** | **Residual Income to Qualify?** | **ATR/QM Residual Income** |
| xxx | 1634412 | xxx | xxx | Exempt | N/A | No | 01/xx/2025 | No | Yes |  | 02/27/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxx | 1634335 | xxx | xxx | Exempt | N/A | No | 02/xx/2025 | No | Yes |  | 03/04/2025 | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| xxx | 1642363 | xxx | xxx | Exempt | N/A | No | 03/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1638928 | xxx | xxx | Exempt | N/A | No | 03/xx/2025 | No | Yes |  | 03/11/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxx | 1643321 | xxx | xxx | Exempt | N/A | No | 03/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1670177 | xxx | xxx | Exempt | N/A | No | 04/xx/2025 | No | Yes |  | 05/21/2025 | 0.00% | Self-Employed |  | Permanent Resident Alien |  |  |  | No |  |
| xxx | 1642357 | xxx | xxx | Exempt | N/A | No | 04/xx/2025 | No |  |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| xxx | 1641891 | xxx | xxx | Exempt | N/A | No | 04/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1642588 | xxx | xxx | Exempt | N/A | No | 04/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1641895 | xxx | xxx | Exempt | N/A | No | 04/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1642562 | xxx | xxx | Exempt | N/A | No | 04/xx/2025 | No | Yes |  | 05/27/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxx | 1642048 | xxx | xxx | Exempt | N/A | No | 04/xx/2025 | No |  |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| xxx | 1642438 | xxx | xxx | Exempt | N/A | No | 04/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1642504 | xxx | xxx | Exempt | N/A | No | 04/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1642144 | xxx | xxx | Exempt | N/A | No | 04/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1642146 | xxx | xxx | Exempt | N/A | No | 04/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1641511 | xxx | xxx | Exempt | N/A | No | 04/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1641898 | xxx | xxx | Exempt | N/A | No | 04/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1641513 | xxx | xxx | Exempt | N/A | No | 04/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1642565 | xxx | xxx | Exempt | N/A | No | 04/xx/2025 | No | Yes |  | 05/07/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxx | 1642077 | xxx | xxx | Exempt | N/A | No | 04/xx/2025 | No |  |  |  | 0.00% | Not Required |  | Non Permanent Resident Alien | R-1 Visa |  |  | No |  |
| xxx | 1642276 | xxx | xxx | Exempt | N/A | No | 04/xx/2025 | No |  |  |  | 0.00% | Not Required |  | Non Permanent Resident Alien | R-1 Visa |  |  | No |  |
| xxx | 1643336 | xxx | xxx | Exempt | N/A | No | 04/xx/2025 | No |  |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| xxx | 1642367 | xxx | xxx | Exempt | N/A | No | 04/xx/2025 | No | Yes |  | 05/09/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxx | 1642566 | xxx | xxx | Exempt | N/A | No | 04/xx/2025 | No | Yes |  | 05/01/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxx | 1642371 | xxx | xxx | Exempt | N/A | No | 04/xx/2025 | No | Yes |  | 05/06/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxx | 1642068 | xxx | xxx | Exempt | N/A | No | 04/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1642368 | xxx | xxx | Exempt | N/A | No | 04/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1668544 | xxx | xxx | Exempt | N/A | No | 05/xx/2025 | No | Yes |  | 05/30/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxx | 1641910 | xxx | xxx | Exempt | N/A | No | 04/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1641938 | xxx | xxx | Exempt | N/A | No | 05/xx/2025 | No |  |  |  | 0.00% | Not Required | Not Required | Non Permanent Resident Alien | R-1 Visa | US Citizen |  | No |  |
| xxx | 1641939 | xxx | xxx | Exempt | N/A | No | 05/xx/2025 | No |  |  |  | 0.00% | Not Required | Not Required | Non Permanent Resident Alien | R-1 Visa | US Citizen |  | No |  |
| xxx | 1641528 | xxx | xxx | Exempt | N/A | No | 05/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1642207 | xxx | xxx | Exempt | N/A | No | 05/xx/2025 | No | Yes |  | 05/14/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxx | 1642078 | xxx | xxx | Exempt | N/A | No | 05/xx/2025 | No | Yes |  | 05/05/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $10741.81 |
| xxx | 1641911 | xxx | xxx | Exempt | N/A | No | 05/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1641940 | xxx | xxx | Exempt | N/A | No | 05/xx/2025 | No |  |  |  | 0.00% | Not Required |  | Non Permanent Resident Alien | R-1 Visa |  |  | No |  |
| xxx | 1670521 | xxx | xxx | Exempt | N/A | No | 07/xx/2025 | No |  |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| xxx | 1641916 | xxx | xxx | Exempt | N/A | No | 05/xx/2025 | No |  |  |  | 0.00% | Not Required |  | Permanent Resident Alien |  |  |  | No |  |
| xxx | 1642210 | xxx | xxx | Exempt | N/A | No | 05/xx/2025 | No | Yes |  | 05/08/2025 | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| xxx | 1642436 | xxx | xxx | Exempt | N/A | No | 05/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1642377 | xxx | xxx | Exempt | N/A | No | 05/xx/2025 | No | Yes |  | 05/08/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxx | 1643657 | xxx | xxx | Exempt | N/A | No | 05/xx/2025 | No | Yes |  | 06/05/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxx | 1641538 | xxx | xxx | Exempt | N/A | No | 05/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1642220 | xxx | xxx | Exempt | N/A | No | 05/xx/2025 | No | Yes |  | 05/12/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxx | 1641920 | xxx | xxx | Exempt | N/A | No | 05/xx/2025 | No |  |  |  | 0.00% | Not Required |  | Permanent Resident Alien |  |  |  | No |  |
| xxx | 1643659 | xxx | xxx | Exempt | N/A | No | 05/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1668769 | xxx | xxx | Exempt | N/A | No | 05/xx/2025 | No | Yes |  | 06/09/2025 | 0.00% | Self-Employed | Not Required | Permanent Resident Alien |  | US Citizen |  | No |  |
| xxx | 1642668 | xxx | xxx | Exempt | N/A | No | 05/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1643671 | xxx | xxx | Exempt | N/A | No | 05/xx/2025 | No | Yes |  | 06/11/2025 | 0.00% | Self-Employed | Self-Employed | Non Permanent Resident Alien | Other | Non Permanent Resident Alien | Other | No |  |
| xxx | 1641945 | xxx | xxx | Exempt | N/A | No | 05/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1668551 | xxx | xxx | Exempt | N/A | No | 05/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1641543 | xxx | xxx | Exempt | N/A | No | 05/xx/2025 | No |  |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| xxx | 1668553 | xxx | xxx | Exempt | N/A | No | 05/xx/2025 | No | Yes |  | 05/30/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxx | 1641925 | xxx | xxx | Exempt | N/A | No | 05/xx/2025 | No |  |  |  | 0.00% | Not Required |  | Foreign National | Other |  |  | No |  |
| xxx | 1668539 | xxx | xxx | Exempt | N/A | No | 05/xx/2025 | No |  |  |  | 0.00% | Not Required | Not Required | US Citizen |  | Permanent Resident Alien |  | No |  |
| xxx | 1669503 | xxx | xxx | Exempt | N/A | No | 05/xx/2025 | No | Yes |  | 05/16/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxx | 1642671 | xxx | xxx | Exempt | N/A | No | 05/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1642383 | xxx | xxx | Exempt | N/A | No | 05/xx/2025 | No | Yes |  | 05/19/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxx | 1668555 | xxx | xxx | Exempt | N/A | No | 05/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1668558 | xxx | xxx | Exempt | N/A | No | 05/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1668559 | xxx | xxx | Exempt | N/A | No | 05/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1642071 | xxx | xxx | Exempt | N/A | No | 05/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1642385 | xxx | xxx | Exempt | N/A | No | 05/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1642673 | xxx | xxx | Exempt | N/A | No | 05/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1643677 | xxx | xxx | Exempt | N/A | No | 04/xx/2025 | No |  |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxx | 1643324 | xxx | xxx | Exempt | N/A | No | 05/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1643337 | xxx | xxx | Exempt | N/A | No | 05/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1643341 | xxx | xxx | Exempt | N/A | No | 05/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1643332 | xxx | xxx | Exempt | N/A | No | 06/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1643343 | xxx | xxx | Exempt | N/A | No | 05/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1643326 | xxx | xxx | Exempt | N/A | No | 05/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1643370 | xxx | xxx | Exempt | N/A | No | 05/xx/2025 | No |  |  |  | 0.00% | Not Required |  | Permanent Resident Alien |  |  |  | No |  |
| xxx | 1670280 | xxx | xxx | Exempt | N/A | No | 05/xx/2025 | No | Yes |  | 07/16/2025 | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | No |  |
| xxx | 1669488 | xxx | xxx | Exempt | N/A | No | 05/xx/2025 | No |  |  |  | 0.00% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | No |  |
| xxx | 1643798 | xxx | xxx | Exempt | N/A | No | 06/xx/2025 | No | Yes |  | 06/04/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxx | 1643373 | xxx | xxx | Exempt | N/A | No | 06/xx/2025 | No | Yes |  | 06/04/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxx | 1668704 | xxx | xxx | Exempt | N/A | No | 06/xx/2025 | No | Yes |  | 06/02/2025 | 0.00% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | No |  |
| xxx | 1668783 | xxx | xxx | Exempt | N/A | No | 06/xx/2025 | No | Yes |  | 06/09/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxx | 1643374 | xxx | xxx | Exempt | N/A | No | 06/xx/2025 | No |  |  |  | 0.00% | Not Required |  | Non Permanent Resident Alien | Other |  |  | No |  |
| xxx | 1643679 | xxx | xxx | Exempt | N/A | No | 06/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1643806 | xxx | xxx | Exempt | N/A | No | 06/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1643680 | xxx | xxx | Exempt | N/A | No | 06/xx/2025 | No |  |  |  | 0.00% | Not Required |  | Permanent Resident Alien |  |  |  | No |  |
| xxx | 1668786 | xxx | xxx | Exempt | N/A | No | 06/xx/2025 | No | Yes |  | 06/05/2025 | 0.00% | Self-Employed |  | Permanent Resident Alien |  |  |  | No |  |
| xxx | 1643809 | xxx | xxx | Exempt | N/A | No | 06/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1643685 | xxx | xxx | Exempt | N/A | No | 06/xx/2025 | No |  |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| xxx | 1668788 | xxx | xxx | Exempt | N/A | No | 06/xx/2025 | No | Yes |  | 06/12/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxx | 1668696 | xxx | xxx | Exempt | N/A | No | 05/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1643687 | xxx | xxx | Exempt | N/A | No | 06/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1643688 | xxx | xxx | Exempt | N/A | No | 06/xx/2025 | No |  |  |  | 0.00% | Not Required |  | Permanent Resident Alien |  |  |  | No |  |
| xxx | 1672198 | xxx | xxx | Exempt | N/A | No | 06/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1643690 | xxx | xxx | Exempt | N/A | No | 06/xx/2025 | No | Yes |  | 06/11/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxx | 1643693 | xxx | xxx | Exempt | N/A | No | 06/xx/2025 | No | Yes |  | 06/16/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxx | 1671838 | xxx | xxx | Exempt | N/A | No | 06/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1643695 | xxx | xxx | Exempt | N/A | No | 06/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1670527 | xxx | xxx | Exempt | N/A | No | 06/xx/2025 | No | Yes |  | 07/11/2025 | 0.00% | Self-Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| xxx | 1668710 | xxx | xxx | Exempt | N/A | No | 06/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1670286 | xxx | xxx | Exempt | N/A | No | 06/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1670289 | xxx | xxx | Exempt | N/A | No | 06/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1670290 | xxx | xxx | Exempt | N/A | No | 06/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1670530 | xxx | xxx | Exempt | N/A | No | 06/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1670179 | xxx | xxx | Exempt | N/A | No | 06/xx/2025 | No | Yes |  | 07/03/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxx | 1670463 | xxx | xxx | Exempt | N/A | No | 06/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1670292 | xxx | xxx | Exempt | N/A | No | 06/xx/2025 | No | Yes |  | 07/23/2025 | 0.00% | Self-Employed |  | Non Permanent Resident Alien | Other |  |  | No |  |
| xxx | 1670180 | xxx | xxx | Exempt | N/A | No | 06/xx/2025 | No | Yes |  | 07/02/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxx | 1670186 | xxx | xxx | Exempt | N/A | No | 06/xx/2025 | No | Yes |  | 07/07/2025 | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | No |  |
| xxx | 1670538 | xxx | xxx | Exempt | N/A | No | 06/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1670539 | xxx | xxx | Exempt | N/A | No | 06/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1670296 | xxx | xxx | Exempt | N/A | No | 07/xx/2025 | No | Yes |  | 07/14/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxx | 1670540 | xxx | xxx | Exempt | N/A | No | 07/xx/2025 | No |  |  |  | 0.00% | Not Required |  | Permanent Resident Alien |  |  |  | No |  |
| xxx | 1670958 | xxx | xxx | Exempt | N/A | No | 07/xx/2025 | No | Yes |  | 07/14/2025 | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | No |  |
| xxx | 1670298 | xxx | xxx | Exempt | N/A | No | 06/xx/2025 | No | Yes |  | 07/09/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxx | 1670542 | xxx | xxx | Exempt | N/A | No | 07/xx/2025 | No | Yes |  | 07/10/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxx | 1670543 | xxx | xxx | Exempt | N/A | No | 07/xx/2025 | No |  |  |  | 0.00% | Not Required |  | Foreign National | Other |  |  | No |  |
| xxx | 1670469 | xxx | xxx | Exempt | N/A | No | 07/xx/2025 | No |  |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| xxx | 1670546 | xxx | xxx | Exempt | N/A | No | 07/xx/2025 | No |  |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| xxx | 1670548 | xxx | xxx | Exempt | N/A | No | 07/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxx | 1670549 | xxx | xxx | Exempt | N/A | No | 07/xx/2025 | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |

---

## Exhibit 99.4

**Exhibit 99.4**

![](ex99-4_001.jpg)

**EXECUTIVE SUMMARY**

**NRMLT 2025-NQM6**

**By Clarifii LLC on November 3, 2025**

NRMLT 2025-NQM6 Due Diligence Narrative Report – PagE \| 1

![](ex99-4_001.jpg)

**CLARIFII CONTACT INFORMATION** 

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Christine Aug** | &nbsp;&nbsp;**Jason Luttenberger** |
| &nbsp;&nbsp; Vice President of Due Diligence | &nbsp;&nbsp; President and Chief Operating Officer |
| &nbsp;&nbsp; Phone: 813.735.4487 | &nbsp;&nbsp; Phone: 917.742.7797 |
| &nbsp;&nbsp; E-mail: Christine.Aug@Clarifii.com | &nbsp;&nbsp; E-mail: Jason.Luttenberger@Clarifii.com |

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 26 Loans (the "Loans") originated by a correspondent lender and acquired by Rithm Capital, LLC. (the "Clients") for the NRMLT 2025-NQM6 transaction. The Loans referenced in this narrative report were reviewed between 0/2025 to 06/2025 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the Loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.85% | &nbsp;&nbsp;$392000.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;25 | &nbsp;&nbsp;96.15% | &nbsp;&nbsp;$11907099.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**26** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$12299099.00** |

---

The Review consisted of a population of 26 Loans, with an aggregate principal balance of $12,299,099.00.

**CLARIFII'S THIRD PARTY REVIEW (TPR) SCOPE OF WORK**

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

**LOAN SAMPLING**

The Clients defined the sample size and requested Clarifii to perform a random sample of the Loans to be included in the Review. To Clarifii's knowledge, the Review covered 100% of the transaction Loan population.

NRMLT 2025-NQM6 Due Diligence Narrative Report – PagE \| 2

![](ex99-4_001.jpg)

The Review was conducted consistent with the criteria for the Nationally Recognized Statistical Rating Organizations ("NRSROs") specified below:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;U.S. RMBS Rating Methodology, December 7, 2023 |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, October 1, 2025 |

---

**DATA INTEGRITY**

Clarifii performed a data comparison review of the data fields provided by the Clients on the Loan tape to the data found in the Loan file as captured by Clarifii. This comparison, when specific data was available, included the following data fields and tolerance levels noted below.

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Fields** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 FTHB |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;Note Type |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Originator Doc Type |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |

---

NRMLT 2025-NQM6 Due Diligence Narrative Report – PagE \| 3

![](ex99-4_001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying Amortization Term |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;Verified Doc Type |

---

**CREDIT UNDERWRITING**

Clarifii reviewed each Loan file to determine the adherence to defined underwriting or credit extension guidelines, standards, criteria, or other requirements provided by Clients, including, as applicable, Ability to Repay and Qualified Mortgage requirements. The Credit Qualification review consisted of the following:

&nbsp;&nbsp;&nbsp;&nbsp;· **Loan Attributes** 

To determine borrower program eligibility, Clarifii verified the following Loan attributes and, where applicable, recalculated based on the information provided:

- Assets and Reserves

- Gross Income

- Lien Position

- Loan Purpose

- Housing History

- Loan to Value Ratio (LTV) and Combined Loan to Value Ratio (CLTV)

- Monthly Debt

- Occupancy

- Property Type

- Qualifying principal, interest, tax, insurance, and association dues (PITIA)

- Debt to Income Ratio (DTI)

- Residual Income

- Debt Service Coverage Ratio (DSCR)

&nbsp;&nbsp;&nbsp;&nbsp;· **Credit Application** 

Clarifii verified the following items per the Uniform Residential Loan Application Form 1003 (1003):

- All known borrower-owned properties are disclosed on the Real Estate Owned (REO) Section 2

- Borrower(s) employment history

- Citizenship and eligibility

NRMLT 2025-NQM6 Due Diligence Narrative Report – PagE \| 4

![](ex99-4_001.jpg)

- First time home buyer status

- The application was signed by all borrowers

- The application was substantially complete

&nbsp;&nbsp;&nbsp;&nbsp;· **Credit History** 

Clarifii verified the following items:

- A credit report or alternative credit history as applicable to Loan type is present for each borrower

- Bankruptcy and foreclosure seasoning

- Captured the monthly consumer debt payments for use in the applicable DTI calculation

- Installment and revolving payment history

- Mortgage/Rental payment history

- Verified and reviewed Real Estate Owned, Office of Foreign Assets Control (OFAC) search, and Fraud Alerts

- Number of tradelines

- Credit Score(s) and Qualifying Score Methodology

&nbsp;&nbsp;&nbsp;&nbsp;· **Employment and Income** 

When applicable, Clarifii determined whether all supporting documentation as required by the guidelines and Ability to Repay/Qualified Mortgage Rule (ATR/QM) were complete and accurate. The documentation was used to verify whether the income used to qualify the Loan was calculated in accordance with the guidelines. Documentation verified employment and income were deemed acceptable if it was a third-party document as required by the guidelines and ATR when applicable and may include:

- Tax returns

- Financial statements

Paystubs

- IRS Form W-2s

- IRS Form 1099

- IRS documents

- Bank statements

- Lease agreements

- Award letters

- Other documentation in Loan file

&nbsp;&nbsp;&nbsp;&nbsp;· **Fraud Review** 

For all Loans, Clarifii utilized the results from an independent, third-party fraud tool as well as information in the Loan file to identify and address any potential misrepresentations including:

- Borrower identity

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Social Security inconsistencies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Borrower name variations

- Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Borrower address history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subject property ownership history

NRMLT 2025-NQM6 Due Diligence Narrative Report – PagE \| 5

![](ex99-4_001.jpg)

- Employment

- Licensing verification with the Nationwide Multistate Licensing System & Registry (NMLS):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage lender/originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan officer

OFAC

&nbsp;&nbsp;&nbsp;&nbsp;· **Asset Review** 

Clarifii assessed whether the asset documentation required by the guidelines and ATR, when applicable, was present in the Loan file and within required timeframe. Documentation used to verify assets for down payment, closing costs, prepaid items and reserves may have included:

- Verification of deposits (VOD)

- Depository account statements

- Stock or security account statements

- Gift funds

- Settlements statements

- Other evidence of conveyance and transfer of funds if a sale of assets was involved

- Other documentation in Loan file

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Property Insurance and Taxes** 

Clarifii confirmed the presence of the insurance and tax information for the following:

- Confirmed that the flood certification is for the correct borrower, property, lender, and Loan number and is a "Life of Loan" certification

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

Confirmed that the premium amount on both the hazard and flood insurance match figures from the DTI calculations

For condominium properties, confirmed that the blanket policy meets the minimum amount of coverage in the guidelines

For properties in a flood zone, per the flood certification, confirmed that flood insurance meets guideline requirements in the file and met the minimum required amount of coverage in the guidelines

- Reviewed Tax Certificate to verify and compare monthly escrows used to calculate DTI matches and taxes are current

Verified that the hazard insurance meets the minimum required amount of coverage in the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;· **Debt Service Coverage Ratio (DSCR)** 

- Calculated DSCR, as required by guidelines

- Confirmed documentation requirements have been met

Summed principal and interest or interest payment, along with taxes, insurance and HOA payments to arrive at monthly property expense. This summed amount is used as the denominator to the monthly lease or estimated lease income, as required by guidelines

NRMLT 2025-NQM6 Due Diligence Narrative Report – PagE \| 6

![](ex99-4_001.jpg)

**DOCUMENT REVIEW**

Clarifii reviewed each Loan file and verified if the following documents were included in the file and if the data on these documents was consistent (where applicable):

&nbsp;&nbsp;&nbsp;&nbsp;· **Initial and Final 1003 Application** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Note** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Mortgage/Deed of Trust** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Appraisal** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Sales Contract** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Title Commitment/Policy** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Junior Lien/Subordination Agreement** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Mortgage Insurance** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Underwriting Approval Documentation inclusive, but not limited to documents listed in the Credit Review section** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Flood Certification** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Initial and Final Loan Estimate (LE)** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Initial and Final and Closing Disclosure (CD)** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Post-Consummation Closing Disclosure (PCCD), as applicable** 

**COMPLIANCE REVIEW**

Clarifii reviewed each Loan file, when applicable, and verified that it was consummated in compliance with the applicable federal, state, and local anti-predatory lending statutes in effect at the time of origination of the mortgage loan. Compliance verification and validation that each mortgage Loan met the relevant provisions of:

**Anti-** **Predatory Lending Requirements**, that are imposed by federal, state and/or local statutory, regulatory, or authoritative determinations (e.g., state constitutional provisions, ordinances, interpretations, judicial determinations, etc.) that impose civil or criminal liability upon the Assignee or may cause significant loss severity to the value of the Loan, including the Home Ownership and Equity Protection Act (HOEPA) and any state and local high-cost home loan laws. Assignee shall have the meaning as defined in the Truth in Lending Act (TILA).

**Truth in Lending Act (TILA)**, as amended by HOEPA, 15 U.S.C. §1601 et seq., as implemented by Regulation Z, 12 C.F.R. Part 1026

**Real Estate Settlement Procedures Act (RESPA)**, 12 U.S.C. §2603, as implemented by Regulation X, 12 C.F.R. Part 1024

**Equal Credit Opportunity Act (ECOA)**, 15 U.S.C. §1691, as implemented by Regulation B, 12 C.F.R. §1001.1(b)

&nbsp;&nbsp;&nbsp;&nbsp;· **Compliance Documentation Requirements** 

Clarifii reviewed the following documents as they related to regulatory compliance:

- Initial and final application (1003)

- Note, including all addendums

- Copy of note for any junior liens (if applicable)

- Mortgage / Deed of Trust, including all riders

- Initial, Interim, and Final Loan Estimates (LE)

- Initial CD (i.e., the CD required to be received by the borrower(s) at least 3 business days prior to consummation) and re-disclosed CDs (as applicable and permitted by TILA/Regulation Z)

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- Notice of Right to Cancel (when applicable)

- Rate Lock Date

- HOEPA Disclosures (when applicable)

- Initial Escrow Account Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;· **Anti-Predatory Lending (Assignee Liability)** 

Loans were reviewed for violations of federal, state & local high cost, higher-priced and/or consumer finance laws and regulations that carry Assignee Liability, including those defined below. Any Loan that is determined to be classified and/or defined as high cost, higher-priced, subprime, threshold, predatory high risk, covered or similar classification/definition was reported.

&nbsp;&nbsp;&nbsp;&nbsp;· **Compliance Testing of Truth-in-Lending Act (TILA)/Regulation Z Elements** 

Clarifii reverified and retested, when applicable, the following TILA and Regulation Z elements:

**TILA/RESPA Integrated Disclosure Testing (TRID)**

Reviewed and compared LEs and CDs with a report outlining any TILA violations, including a recalculation of disclosed finance charges, principal and interest calculations, proper completion of the Projected Payments table, total of payments, finance charges, amount financed, recalculation of disclosed APR and a review to determine if disclosure differences were within the allowed tolerances and disclosures were provided within the required timeframes. Testing was conducted to fulfill the elements Structured Finance Association (SFA) TRID Compliance Review Scope ("TRID Grid 3.0" v.12/05/2019).

**Right of Rescission** 

Reviewed the TILA Right of Rescission, Notice of Right to Cancel, including a verification of the transaction date and expiration date, ensured proper execution of the Notice of Right to Cancel by all required parties, verified the disbursement date and determined if a full three (3) day rescission period was provided to the borrower(s). The appropriate Model Form was tested according to applicable U.S. Court of Appeals, Circuit Court rulings.

**Qualified Mortgage and Ability to Repay**

Reviewed to ensure the mortgage loan meets the applicable Qualified Mortgage ("QM") and Ability-to-Repay ("ATR") requirements as set forth in regulations promulgated by the Consumer Financial Protection Bureau as found at 12 CFR § 1026.43.

**Real Estate Settlement Procedures Act (RESPA)/Regulation X**

Reviewed to ensure compliance with RESPA/Regulation X documentation and timing requirements in effect at origination of the mortgage loan for RESPA disclosures (Servicing Disclosure Statement; Affiliated Business Arrangement Disclosure; Initial Escrow Disclosure Statement; List of Homeownership Counselling Organizations).

**Equal Credit Opportunity Act (ECOA)/Regulation B**

Confirmed compliance with the January 18, 2014, requirements regarding the disclosure of the right to receive a copy of appraisals within three (3) business days of application, the right to receive a copy of the appraisals at least three (3) business days prior to consummation and any applicable waiver. The disclosure of the right to receive a copy of appraisals was met by the disclosure on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

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**Fair Credit Reporting Act (FRCA)/Regulation V**

Confirmed compliance with the current FCRA/Regulation V requirements regarding risk-based pricing notice, credit score disclosure and Notice to Home Loan Applicant, as applicable.

**Miscellaneous Compliance Testing**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪  ***Mandatory Arbitration*** – Clarifii reported mandatory arbitration provisions present in
the Loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪  ***Single Premium Credit Insurance*** – Clarifii reported single premium credit insurance policies
or debt cancellation agreements present in the Loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪  ***State prepayment and late charge restrictions*** – Clarifii reported instances where a prepayment
penalty that exceeds the state permitted penalty has expired.

&nbsp;&nbsp;&nbsp;&nbsp;· **State and Local Anti-Predatory Requirements** 

The following is an itemization of the current and historical state and local anti-predatory lending requirements, considered customary in secondary market due diligence compliance testing and reviewed by Clarifii:

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

- California Anti-Predatory Lending ("Covered Loan", Cal. Fin. Code § 4970 et seq.

- California Higher-Priced Mortgage Loan ("CA HPML"), Cal. Fin. Code §4995 et seq.

- Colorado Consumer Equity Protection Act, Colo. Rev. Stat. § 5-3.5-101 et seq.

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

- Connecticut Nonprime Home Loans, Conn. Gen. Stat. §§ 36a-760 et seq. (2008-2009) and (2009-Current)

- District of Columbia Home Loan Protection Act of 2002, D.C. Official Code § 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg. § 2000.1 et seq. as well as DC Mortgage Disclosure Act of 2007.

- Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (2002 – 2014).

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

- Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq. (2003).

- Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code § 345.10 et seq. (Repealed)

- Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003), Ill. Comp. Stat. tit. 815 §§ 137/1 et seq. (2004).

- Illinois Predatory Lending Database Program, Public Act 95-0691 (SB 1167).

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

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

- Indiana Home Loan Practices Act, as amended by HB 1179 (2005) Ind. Code § 24-9-1 et seq.

- Kansas Consumer Credit Code, Section 16a-3-308a, Kan. Stat. Ann. § 16a-1-101 et seq. 16.

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

- Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages, 9A Me. Rev. Stat. Ann. §§ 8-103(1); 8-206(8); 8-206A and Maine Legislative Document 1869 (2007), 2125 (2008) and 1439 (2009), and regulation Z-3.

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

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

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

- Massachusetts "Borrower's Interest" Standard, M.G.L. Chapter 183, §28C.

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

- Massachusetts Regulations for Higher Priced Mortgage Loans, 209 Mass. Code Regs. §§ 32.00 et seq.

- Massachusetts Subprime ARMs to First Time Homebuyers, M.G.L. Chapter 184, §17B.5.

- Michigan Consumer Mortgage Protection Act, Mich. Stat. Ann. § 445-1631 et seq.

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

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

- Nevada Anti-Predatory Lending Law, AB No. 284 (2003), as amended by AB 4 (2007), Nev. Rev. Stat. § 598D.010 et seq.

- New Jersey Home Ownership Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq.

- New Mexico Home Loan Protection Act, SB 449 (2003) and as amended by SB 342 (2009), N.M. Stat. Ann. § 58-21A-1 et seq.

- New York High-Cost Home Loan Regulations (1A – Original Part 41), 3 NYCCR Part 41 (2001).

- New York High-Cost Home Loan Act (1B - § 6-l), N.Y. Bank. L. Ch. 626., as implemented by 3 NYCCR Part 41 (2003) and as amended by Senate Bill 8143-A (2008).

- New York Subprime Home Loans, NY Bank. Law § 6-m.

- North Carolina Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-1.1A to 24-10.2 and North Carolina Amendments to Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-9; 24-1.1I(a); 24-10.2(a) as amended.

- Ohio Anti-Predatory Lending Statute, HB 386, as amended by S.B. 185 (2006), Ohio Rev. Code Ann. § 1.63.

- Ohio Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as implemented by Ohio Admin. Rules § 109 4-3-01 et seq.

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

- Summit County, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 2004-618, Muni. Code §§ 201.01 et seq.

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

- Oklahoma Higher-Priced Mortgage Loans Law, Okla. Admin. Code §§ 160:45-9-1 et seq.

- Pennsylvania Consumer Equity Protection Act, 63 Pa. Cons. Stat. Ann. § 456.501 et seq.

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

- Rhode Island Home Loan Protection Act, Chapter 25.2 of Title 34 of RI Gen. L. et seq., as implemented by Emergency Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended by Senate Bill 371 (2007).

- South Carolina High-Cost and Consumer Home Loans Act, S.C. Code § 37-23-10 et seq.

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- South Carolina Consumer Protection Code, S.C. Code 37-1-101 et seq.

- Tennessee Home Loan Protection Act of 2006, TN Code Annotated, Title 47 et seq.

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

- The disclosure requirements and prohibitions of Section 50(a)(6) and 50(f)(2) of Article XVI of the Texas Constitution

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

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

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

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

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

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

- West Virginia Residential Mortgage Lender, Broker and Servicer Act, W.Va. Code § 31-17-1 et seq.

- Wisconsin Responsible High Cost Mortgage Lending Act, Wis. Stat. § 428.202.

- Wyoming Credit Code, Wyo. Stat. Ann. §§ 40-14-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· **Business Purpose Loan Compliance Review** 

- Non-Owner Occupied Declaration Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify reflects correct address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify application address is different from subject property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Verify executed by all borrowers

- Review Note accuracy and properly executed

- Review Mortgage and applicable riders for accuracy and properly executed

- Occupancy Letter (must state that borrower(s) will not reside in the property

- HMDA section (Information for Government Monitoring Purposes) of the application (initial and/or final)

- If property is in a flood zone, Flood Notice must be provided prior to closing

- Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

- Letter of Explanation detailing the use of proceeds.

- Borrower's statement of purpose for the Loan.

- State License requirements when applicable

- State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

With respect to QM (Safe Harbor and Rebuttable Presumption) designated Loans, Clarifii reviewed the Loan to determine whether, based on available information in the Loan file, (i) the Loan contained risky Loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceeded the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeded 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review included a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

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

For each QM designated Loan that satisfied the applicable requirements enumerated above, Clarifii then determined whether the Loan was a Safe Harbor QM or Rebuttable Presumption QM by comparing the Loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage.

**ABILITY TO REPAY (ATR)**

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

*Note: for Loans designated as QM – Agency eligible (QM – Temporary), Clarifii did not review for compliance with the requirements of Appendix Q or General Ability to Repay.*

Clarifii reviewed Loans to determine their conformity with the ATR/QM factors above, and did not render an independent assessment or opinion, warranty or represent that a Loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR, or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative, or judicial authorities (Authorities). Clarifii does not represent or warrant that the factors for which it has reviewed that the Loans constitute all the factors and/or criteria that Authorities may consider in determining the status of a Loan.

Clarifii's review was based on information contained in the Loan file at the time it was provided for review.

All Loans in the population reviewed by Clarifii were investment properties and were found to not be ATR/QM applicable.

**VALUATION REVIEW**

Clarifii reviewed all appraisals and alternative value tools used to qualify the Loan for reasonableness of estimated value, comparable sales, completeness of data and eligibility of the appraiser, compared to underwriting guidelines, variances, and tolerances. Clarifii determined that the appraised value appeared to be supported, based on the valuation provided by the Independent Third-party Review.

&nbsp;&nbsp;&nbsp;&nbsp;· **Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA)** 

Clarifii checked for the presence of the appraiser's license and reviewed for the presence of any red flags related to the mortgaged property that may have posed a risk to the property or occupants.

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&nbsp;&nbsp;&nbsp;&nbsp;· **Uniform Standards of Professional Appraisal Practice (USPAP)** 

Clarifii confirmed the appraiser's certification is present and executed within the original appraisal.

**INDEPENDENT THIRD-PARTY VALUES**

Clarifii applied a cascade methodology to determine if the original appraisal value was reasonably supported when compared to an independent third-party valuation product.

**Valuation Reconciliation Process:**

&nbsp;&nbsp;&nbsp;&nbsp;· If the AVM (Automated Valuation Model) supported the origination appraised value within -10% variance,
no additional products were required.

&nbsp;&nbsp;&nbsp;&nbsp;· If the Desk Review supported the origination appraised value
within a -10% variance, no additional products were required.

&nbsp;&nbsp;&nbsp;&nbsp;· In the event the Desk Review process yielded material exceptions
or had a value exceeding a negative ten percent (-10%) variance, a field review was ordered to further establish the supported value,
unless guidelines allowed for the use of the lower Desk Review or Broker Price Opinion value for purpose of LTV/CLTV/HCLTV.

**Uniform Collateral Data Portal (UCDP) Risk Score:**

&nbsp;&nbsp;&nbsp;&nbsp;· For Loans with a Fannie Mae Collateral Underwriter Score (CU),
if an CU Score was available and the CU Score was greater than 2.5, a Desk Review was either reviewed in the Loan file or ordered by
Clarifii. If the CU Score was less than or equal to 2.5, a Desk Review was not obtained/required based on market acceptance of UCDP Risk
Score.

&nbsp;&nbsp;&nbsp;&nbsp;· For Loans with a Freddie Mac Loan Collateral Advisor Score (LCA),
if an LCA Score was available and the LCA Score was greater than 2.5, a Desk Review was either reviewed in the Loan file or ordered by
Clarifii. If the LCA Score was less than or equal to 2.5, a Desk Review was not obtained/required based on market acceptance of UCDP
Risk Score.

**VALUATION RESULTS SUMMARY**

The table below summarizes the Loans that contained independent third-party valuation product as well as Loans with acceptable UCDP Risk Scores:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files –<br> No Hit** | &nbsp;&nbsp;**# of Files > -10%<br> Variance to OA or<br> Confidence < 80%** | &nbsp;&nbsp;**Number of Files<br> within -10% of OA or<br> Acceptable UCDP Risk<br> Score** |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 |

---

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**DUE DILIGENCE GRADING CRITERIA** 

Upon completion of the Loan file due diligence review, Clarifii assigned comprehensive grading that considers critical factors based on the specific review completed, in addition to product, clients, and rating agency requirements.

The National Recognized Statistical Rating Organizations (NRSRO) criteria referenced for this report and utilized for grading descriptions is based upon the NRSRO listed in the Asset-Backed Securities Form ABS Due Diligence-15E.

**Final Event Grade**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;Loan meets Credit, Compliance, and Valuation Guidelines. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;The Loan materially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and materially meets published guidelines. |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;The Loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp;Loan is missing documentation to perform a sufficient review. |

---

**Credit Event Grade**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;The Loan meets the published guidelines without any exceptions. The employment, income, assets, and occupancy are supported and justifiable. The borrower's willingness and ability to repay the Loan is documented and reasonable. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;The Loan materially meets the published guidelines, but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets, and occupancy are supported and justifiable. The borrower's willingness and ability to repay the Loan is documented and reasonable. |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;The Loan does not materially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets, or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the Loan were not documented or are unreasonable. |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp;There was not sufficient documentation to perform a review, or the credit file was not furnished. |

---

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**Valuation Event Grade**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;The value is supported within 10% of the original appraisal by supporting documents (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used Government-Sponsored Enterprise (GSE) approved forms. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal by supporting documents and there are no other valuation support documents provided. The valuation methodology substantially meets the published guidelines, but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition, or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms. |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

**Compliance Event Grade** 

---

| | |
|:---|:---|
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;The Loan is compliant with all applicable laws and regulations. The legal documents accurately reflect the agreed upon Loan terms and are executed by all applicable parties. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;The Loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon Loan terms and are executed by all applicable parties. Client review required. |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;The Loan violates one material law or regulation. The material disclosures are missing, or the legal documents do not accurately reflect the agreed upon Loan terms or all required applicants did not execute the documents. |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp;There was not sufficient documentation to perform a review, or the required legal documents were not furnished. |

---

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**CLARIFII DUE DILIGENCE RESULTS**

Below are the final overall Loan grades for this review, as well as the credit, property valuation, and regulatory compliance component review grades.

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** |
| &nbsp;&nbsp;**Overall Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;23 | &nbsp;&nbsp;88.46% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;11.54% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**26** | &nbsp;&nbsp;**100.00%** |

---

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** |
| &nbsp;&nbsp;**Credit Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;24 | &nbsp;&nbsp;92.31% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;7.69% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**26** | &nbsp;&nbsp;**100.00%** |

---

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**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** |
| &nbsp;&nbsp;**Property Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**26** | &nbsp;&nbsp;**100.00%** |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;25 | &nbsp;&nbsp;96.15% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.85% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**26** | &nbsp;&nbsp;**100.00%** |

---

NRMLT 2025-NQM6 Due Diligence Narrative Report – PagE \| 17

![](ex99-4_001.jpg)

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$12299099.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**26** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$12299099.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;10 | &nbsp;&nbsp;38.46% | &nbsp;&nbsp;$7068225.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;16 | &nbsp;&nbsp;61.54% | &nbsp;&nbsp;$5230874.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**26** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$12299099.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;12 | &nbsp;&nbsp;46.15% | &nbsp;&nbsp;$5310675.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;14 | &nbsp;&nbsp;53.85% | &nbsp;&nbsp;$6988424.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**26** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$12299099.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$12299099.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**26** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$12299099.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;480 | &nbsp;&nbsp;4 | &nbsp;&nbsp;15.38% | &nbsp;&nbsp;$1971230.00 |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;22 | &nbsp;&nbsp;84.62% | &nbsp;&nbsp;$10327869.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**26** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$12299099.00** |

---

NRMLT 2025-NQM6 Due Diligence Narrative Report – PagE \| 18

![](ex99-4_001.jpg)

**DATA COMPARE RESULTS**

Clarifii provided Clients with a copy of the Loan Level Data Compare Report which shows the differences between the data received by the sellers versus the data captured by Clarifii during the Loan review.

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Fields** | &nbsp;&nbsp;**Loans With<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**Accuracy<br> %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;25 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;1 | &nbsp;&nbsp;25 | &nbsp;&nbsp;96.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;2 | &nbsp;&nbsp;18 | &nbsp;&nbsp;88.89% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;24 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;26 | &nbsp;&nbsp;92.31% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;26 | &nbsp;&nbsp;96.15% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% |

---

NRMLT 2025-NQM6 Due Diligence Narrative Report – PagE \| 19

![](ex99-4_001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Qualifying Amortization Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;24 | &nbsp;&nbsp;95.83% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;25 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio | &nbsp;&nbsp;2 | &nbsp;&nbsp;24 | &nbsp;&nbsp;91.67% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;2 | &nbsp;&nbsp;26 | &nbsp;&nbsp;92.31% |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA | &nbsp;&nbsp;12 | &nbsp;&nbsp;24 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;5 | &nbsp;&nbsp;24 | &nbsp;&nbsp;79.17% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |

---

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Narrative Report/Executive Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Attestation Forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. ASF Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Rating Agency Grade Detail and Summary Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Data Compare Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Valuations Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Rating Agency ATR/QM Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Supplement Data Extract

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Business Purpose Supplement Data Extract Report

**Disclaimer**

*Clarifii LLC ("the Company") performs due diligence reviews for Residential Mortgage-Backed Securities, as well as, assets, collateral, counterparty operations, and similar diligence reviews in the consumer finance industry. In issuing reports and maintaining the ratings provided for herein, the Company relies on factual information it receives from issuers, underwriters, and from other sources which the Company reasonably believes to be credible. The Company conducts reasonable investigation of the factual information relied upon by it in accordance with its ratings methodology. The Company also makes reasonably good faith attempts to verify the information from independent sources (to the extent such sources are available).*

 

*Please be advised that Clarifii has not determined whether the Loans comply with federal, state, or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clarifii's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk. Clarifii's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. The findings reached by Clarifii are dependent upon its receiving complete and accurate data regarding the Loans from Loan originators and other third parties. Please be further advised that Clarifii and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clarifii do not constitute legal advice or opinions.*

 

*Ratings, analysis, reports, and other opinions (referred to collectively as "Reports") issued by the Company are provided "as is" and without representation or warranty of any kind. The Company hereby disclaims any representation or warranty (whether express or implied) as to accuracy, completeness, merchantability, or fitness for a particular purpose. Reports are not a recommendation to buy, sell, or retain any security. All reports are deemed jointly prepared, and no individual shall be exclusively deemed the "author" of any Report. Individuals identified in a Report were involved in, but are not solely responsible for, the contents of any Report.*

 

*Unless expressly stated otherwise, Reports do not assess any risk other than credit risk. In particular, any rating or grading in a Report does not take into consideration the risk of any security (or any portion thereof) due to changes in market conditions.*

 

*The Company does not provide investment, legal, or tax advice, and the Reports may not be construed as such. Reports are issued for the benefit of the entity requesting the Report, only, and may not be used by third parties without the express written consent of the Company and the requesting party. Reports are based on available information and current regulations as of the date of the Report, and the Company disclaims any obligation to update Reports due to a change of fact of regulation which occurs after the date of issuance.*© 2025 Clarifii LLC. All rights reserved.

NRMLT 2025-NQM6 Due Diligence Narrative Report – PagE \| 20

## Exhibit 99.4

**Exhibit 99.4 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
|  | 2000048429 |  |  |  |  |  |  |  |  | 1004 URAR |  | XXXX | XXXX | 65.0 | 65.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 02-11-2025 |
|  | 2000049009 |  |  |  |  |  |  |  |  | 1004 URAR |  | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-12-2025 |
|  | 2000048300 |  |  |  |  |  |  |  |  | 1004 URAR |  | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | 2000044684 |  |  |  |  |  |  |  |  | 1025 Small Residential Income Report |  | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | 2000045392 |  |  |  |  |  |  |  |  | 1004 URAR |  | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-17-2024 |
|  | 2000047144 |  |  |  |  |  |  |  |  | 1004 URAR |  | XXXX | XXXX | 71.4 | 71.4 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-21-2025 |
|  | 2000045952 |  |  |  |  |  |  |  |  | 1073 Individual Condo Report |  | XXXX | XXXX | 43.33 | 43.33 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | W002603 |  |  |  |  |  |  |  |  | 1004 URAR |  | XXXX | XXXX | 79.6 | 79.6 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-03-2025 |
|  | 2000046792 |  |  |  |  |  |  |  |  | 1004 URAR |  | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 | .0000 | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 01-30-2025 |
|  | 2000052206 |  |  |  |  |  |  |  |  | 1004 URAR |  | XXXX | XXXX | 62.58 | 62.58 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-11-2025 |
|  | 2000052604 |  |  |  |  |  |  |  |  | 1004 URAR |  | XXXX | XXXX | 76.5 | 76.5 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-15-2025 |
|  | 2504120000 |  |  |  |  |  |  |  |  | 1004 URAR |  | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | 2000053345 |  |  |  |  |  |  |  |  | 1004 URAR |  | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 | .0000 | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | 2000053590 |  |  |  |  |  |  |  |  | 1073 Individual Condo Report |  | XXXX | XXXX | 68.34 | 68.34 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-02-2025 |
|  | 2000053960 |  |  |  |  |  |  |  |  | 1004 URAR |  | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-05-2025 |
|  | 2000053313 |  |  |  |  |  |  |  |  | 1004 URAR |  | XXXX | XXXX | 68.91 | 68.91 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 05-02-2025 |
|  | 2000053619 |  |  |  |  |  |  |  |  | 1004 URAR |  | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0497 | 1004 URAR |  |  |  |  | XXXX | XXXX | -.0497 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-07-2025 |
|  | 2000054033 |  |  |  |  |  |  |  |  | 1073 Individual Condo Report |  | XXXX | XXXX | 49.11 | 49.11 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 05-05-2025 |
|  | 2000053857 |  |  |  |  |  |  |  |  | 1004 URAR |  | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 04-30-2025 |
|  | 2000054069 |  |  |  |  |  |  |  |  | 1004 URAR |  | XXXX | XXXX | 60.0 | 60.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-13-2025 |
|  | 2000053412 |  |  |  |  |  |  |  |  | 1004 URAR |  | XXXX | XXXX | 55.56 | 55.56 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-09-2025 |
|  | 2000054310 |  |  |  |  |  |  |  |  | 1004 URAR |  | XXXX | XXXX | 43.66 | 43.66 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 05-13-2025 |
|  | 2000054981 |  |  |  |  |  |  |  |  | 1004 URAR |  | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-16-2025 |
|  | 2000051831 |  |  |  |  |  |  |  |  | 1004 URAR |  | XXXX | XXXX | 74.38 | 74.38 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 05-07-2025 |
|  | 2000052134 |  |  |  |  |  |  |  |  | 1004 URAR |  | XXXX | XXXX | 76.5 | 76.5 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 05-06-2025 |
|  | 2000052275 |  |  |  |  |  |  |  |  | 1004 URAR |  | XXXX | XXXX | 60.0 | 60.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-22-2025 |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 2**

---

| | | | | |
|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
|  | 2000048429 |  |  | XXXX D A |
|  | 2000049009 |  |  | XXXX A |
|  | 2000048300 |  |  | XXXX A D |
|  | 2000044684 |  |  | XXXX C A |
|  | 2000045392 |  |  | XXXX A |
|  | 2000047144 |  |  | XXXX A |
|  | 2000045952 |  |  | XXXX D A B |
|  | W002603 |  |  | XXXX A |
|  | 2000046792 |  |  | XXXX A |
|  | 2000052206 |  |  | XXXX D C A B |
|  | 2000052604 |  |  | XXXX D A |
|  | 2504120000 |  |  | XXXX A |
|  | 2000053759 |  |  | XXXX D C A |
|  | 2000053345 |  |  | XXXX A D |
|  | 2000053590 |  |  | XXXX D A |
|  | 2000053960 |  |  | XXXX C A |
|  | 2000053313 |  |  | XXXX A |
|  | 2000053619 |  |  | XXXX A |
|  | 2000054033 |  |  | XXXX D A |
|  | 2000053857 |  |  | XXXX A B |
|  | 2000054069 |  |  | XXXX A |
|  | 2000053412 |  |  | XXXX A D |
|  | 2000054310 |  |  | XXXX A |
|  | 2000054981 |  |  | XXXX A |
|  | 2000051831 |  |  | XXXX A |
|  | 2000052134 |  |  | XXXX A |
|  | 2000052275 |  |  | XXXX A |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 3**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
|  | 2000048429 |  |  | XX | Primary Appraised Property Value | propertyValuationPage |  |  | Per appraisal |
|  | 2000048429 |  |  | XX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage |  |  | Audit includes HOA |
|  | 2000048429 |  |  | XX | Qualifying Total Reserves Number of Months | assetPage | 86.89 | 174.00 | Cashout per settlement |
|  | 2000048300 |  |  | XX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage |  |  | Audit includes HOA |
|  | 2000045392 |  |  | XX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage |  |  | Audit includes HOA |
|  | 2000045392 |  |  | XX | Calculated DSCR | diligenceFinalLookPage | 0.806 | 1 | Audit used lower rent amount |
|  | 2000047144 |  |  | XX | Qualifying Amortization Term | notePage | 0 | 480 | I/O note |
|  | 2000047144 |  |  | XX | Cash Disbursement Date | closingDetailsNonCompliancePage |  |  | Per Settlement Statement |
|  | 2000045952 |  |  | XX | Cash Disbursement Date | closingDetailsNonCompliancePage |  |  | See Settlement statement |
|  | 2000045952 |  |  | XX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage |  |  | Audit includes monthly HOA. |
|  | 2000046792 |  |  | XX | Cash Disbursement Date | closingDetailsNonCompliancePage |  |  | Per HUD |
|  | 2000052604 |  |  | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 24.29 | 8.12 | PITIA/Income, Lender calculation not provided |
|  | 2000052604 |  |  | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 25.95 | 14.70 | Variance due to Lender only including the escrows on primary residence. |
|  | 2504120000 |  |  | XX | Primary Appraised Property Value | propertyValuationPage |  |  | Per Appraisal |
|  | 2000053345 |  |  | XX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage |  |  | Audit includes HOA |
|  | 2000053590 |  |  | XX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage |  |  | audit included HOA Payment |
|  | 2000053590 |  |  | XX | Calculated DSCR | diligenceFinalLookPage | 1.08 | 1 | audit included HOA payment. |
|  | 2000053960 |  |  | XX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage |  |  | Audit included HOA dues. |
|  | 2000054033 |  |  | XX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage |  |  | HOA Payment |
|  | 2000053857 |  |  | XX | Qualifying Total Reserves Number of Months | assetPage | 11.55 | 10.00 | Verified per assets and cash out. |
|  | 2000053857 |  |  | XX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage |  |  | Audit includes HOA |
|  | 2000054069 |  |  | XX | Qualifying Total Reserves Number of Months | assetPage | 20.01 | 64.00 | Audit verified assets |
|  | 2000054069 |  |  | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.82 | 12.75 | Audit income lower than lender as per CPA letter, borrower expense factor is 78%, not the 30% that the lender used |
|  | 2000054069 |  |  | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 16.75 | 6.12 | Audit income lower than lender as per CPA letter, borrower expense factor is 78%, not the 30% that the lender used |
|  | 2000054310 |  |  | XX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage |  |  | Audit includes HOA dues |
|  | 2000054981 |  |  | XX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage |  |  | Audit PITIA documented |
|  | 2000054981 |  |  | XX | Qualifying Total Reserves Number of Months | assetPage | 63.43 | 26.00 | Audit assets documented in file |
|  | 2000051831 |  |  | XX | Property Type | propertyValuationPage | Single Family Detached | PUD | Per PUD Rider |
|  | 2000052275 |  |  | XX | Borrower 1 SSN | the1003Page |  |  | Per 1003/Guidelines |
|  | 2000052275 |  |  | XX | Qualifying Total Reserves Number of Months | assetPage | 9.65 | 5.00 | verified assets |
|  | 2000052275 |  |  | XX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage |  |  | audit PITA match final 1003; include HOA dues amt |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
|  | 2000048429 |  | XX |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
|  | 2000049009 |  | XX |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
|  | 2000048300 |  | XX |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 22594 | 7.507 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Employed |  | No |  | No |  |
|  | 2000044684 |  | XX |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
|  | 2000045392 |  | XX |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
|  | 2000047144 |  | XX |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
|  | 2000045952 |  | XX |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
|  | W002603 |  | XX |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
|  | 2000046792 |  | XX |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
|  | 2000052206 |  | XX |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12404 | 7.639 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Employed |  | No |  | No |  |
|  | 2000052604 |  | XX |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed |  | No |  | Yes | Present |
|  | 2504120000 |  | XX |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 5095 | 7.534 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Employed |  | No |  | No |  |
|  | 2000053345 |  | XX |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 7174 | 7.133 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | Yes | Employed |  | No |  | No |  |
|  | 2000053590 |  | XX |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
|  | 2000053960 |  | XX |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
|  | 2000053313 |  | XX |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
|  | 2000053619 |  | XX |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 55169 | 9.808 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Employed |  | No |  | No |  |
|  | 2000054033 |  | XX |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 6873.2 | 7.486 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Employed |  | No |  | No |  |
|  | 2000053857 |  | XX |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 37604 | 8.779 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | Yes | Employed |  | No |  | No |  |
|  | 2000054069 |  | XX |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 9944 | 7.349 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Employed |  | No |  | No |  |
|  | 2000053412 |  | XX |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No | No | Yes | Present |
|  | 2000054310 |  | XX |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No | No | Yes | Present |
|  | 2000054981 |  | XX |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
|  | 2000051831 |  | XX |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9284 | 7.613 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Employed |  | No |  | No |  |
|  | 2000052134 |  | XX |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 9023.66 | 7.772 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Employed |  | No |  | No |  |
|  | 2000052275 |  | XX |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | Yes |  | Yes | Present |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 5**

---

| | | | | |
|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
|  | 2000048429 |  |  | XXXX D A |
|  | 2000049009 |  |  | XXXX A |
|  | 2000048300 |  |  | XXXX A D |
|  | 2000044684 |  |  | XXXX C A |
|  | 2000045392 |  |  | XXXX A |
|  | 2000047144 |  |  | XXXX A |
|  | 2000045952 |  |  | XXXX D A B |
|  | W002603 |  |  | XXXX A |
|  | 2000046792 |  |  | XXXX A |
|  | 2000052206 |  |  | XXXX D C A B |
|  | 2000052604 |  |  | XXXX D A |
|  | 2504120000 |  |  | XXXX A |
|  | 2000053345 |  |  | XXXX A D |
|  | 2000053590 |  |  | XXXX D A |
|  | 2000053960 |  |  | XXXX C A |
|  | 2000053313 |  |  | XXXX A |
|  | 2000053619 |  |  | XXXX A |
|  | 2000054033 |  |  | XXXX D A |
|  | 2000053857 |  |  | XXXX A B |
|  | 2000054069 |  |  | XXXX A |
|  | 2000053412 |  |  | XXXX A D |
|  | 2000054310 |  |  | XXXX A |
|  | 2000054981 |  |  | XXXX A |
|  | 2000051831 |  |  | XXXX A |
|  | 2000052134 |  |  | XXXX A |
|  | 2000052275 |  |  | XXXX A |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
|  | 2000048429 |  | XX |  |  | Debt Service Coverage Ratio | Present | No | 0 | 7000 | Appraisal - 1007 |  | N/A |  |  | 7000 | Appraisal - 1007 | No | 96.86 | 1.03 | 1.032 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX | 0 | 7000 |  |  |  |  |  |  |  | No | 0.2 | 1 | 1 | N/A | 86.89 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
|  | 2000049009 |  | XX |  |  | Debt Service Coverage Ratio | Present | No | 0 | 3900 | Appraisal - 1007 |  | N/A |  |  | 3900 | Appraisal - 1007 | No | 72.09 | 1.38 | 1.387 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX |  | 3900 |  |  |  |  |  |  |  | No | 0.5 | 1 | 1 | N/A | 93.66 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
|  | 2000044684 |  | XX |  |  | Debt Service Coverage Ratio | Present | No | 0 | 3400 | Appraisal - 1025 |  | N/A |  |  | 3400 | Appraisal - 1025 | No | 87.72 | 1.14 | 1.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 3400 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 14.95 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
|  | 2000045392 |  | XX |  |  | Debt Service Coverage Ratio | Present | No | 0 | 3200 | Appraisal - 1007 |  | N/A |  |  | 3200 | Appraisal - 1007 | No | 124.12 | 1 | 0.806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 3200 |  |  |  |  |  |  |  | No | 0.7 | 1 | 1 | N/A | 6.61 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX |
|  | 2000047144 |  | XX |  |  | Debt Service Coverage Ratio | Present | No | 0 | 3700 | Appraisal - 1007 |  | N/A |  |  | 3700 | Appraisal - 1007 | No | 99.11 | 1 | 1.009 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 3700 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 7.23 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
|  | 2000045952 |  | XX |  |  | Debt Service Coverage Ratio | Present | No | 0 | 1800 | Appraisal - 1007 |  | N/A |  |  | 1800 | Appraisal - 1007 | No | 83.55 | 1.19 | 1.197 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1800 |  |  |  |  |  |  |  | No | 2.3 | 1 | 1 | N/A | 0.71 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
|  | W002603 |  | XX |  |  | Debt Service Coverage Ratio | Present | No | 0 | 3700 | Appraisal - 1007 |  | N/A |  |  | 3700 | Appraisal - 1007 | No | 100.03 | 1 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 3700 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 24.93 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
|  | 2000046792 |  | XX |  |  | Debt Service Coverage Ratio | Present | No | 0 | 2500 | Appraisal - 1007 |  | N/A |  |  | 2500 | Appraisal - 1007 | No | 59.21 | 1.68 | 1.689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 0 | XXXX | 31286.22 | 2500 |  |  |  |  |  |  |  | No | 0.2 | 1 | 1 | N/A | 114.47 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
|  | 2000052604 |  | XX |  |  | 12 Month Bank Statement | Present | No | 0 | 3700 | Appraisal - 1007 |  | N/A |  |  | 3700 | Appraisal - 1007 | No | 122.13 |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 3700 |  |  |  |  |  |  |  | No | 20.4 | 1 | 1 | N/A | 39.36 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
|  | 2000053590 |  | XX |  |  | Debt Service Coverage Ratio | Present | No | 0 | 2000 | Appraisal - 1007 |  | N/A |  |  | 2000 | Appraisal - 1007 | No | 92.57 | 1 | 1.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2000 |  |  |  |  |  |  |  | No | 1.2 | 1 | 1 | N/A | 35.63 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | US Citizen | United States |  |  |  |  | Yes | 2 | Full Recourse | XXXX |
|  | 2000053960 |  | XX |  |  | Debt Service Coverage Ratio | Present | Yes | 2800 | 2500 | Appraisal - 1007 |  | N/A |  |  | 2500 | Appraisal - 1007 | No | 92.48 | 1 | 1.081 |  | 2800 | 05-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2500 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 38.05 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
|  | 2000053313 |  | XX |  |  | Debt Service Coverage Ratio | Present | No | 0 | 2100 | Appraisal - 1007 |  | N/A |  |  | 2100 | Appraisal - 1007 | No | 92.33 | 1.07 | 1.083 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2100 |  |  |  |  |  |  |  | No | 21.1 | 1 | 1 | N/A | 117.07 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
|  | 2000053412 |  | XX |  |  | Debt Service Coverage Ratio | Present | No | 0 | 2900 | Appraisal - 1007 |  | N/A |  |  | 2900 | Appraisal - 1007 | No | 83.81 | 1.19 | 1.193 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2900 |  |  |  |  |  |  |  | No | 23.9 | 2 | 1 | N/A | 47.89 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
|  | 2000054310 |  | XX |  |  | Debt Service Coverage Ratio | Present | No | 0 | 3300 | Appraisal - 1007 |  | N/A |  |  | 3300 | Appraisal - 1007 | No | 97.32 | 1.02 | 1.028 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 3300 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 31.25 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
|  | 2000054981 |  | XX |  |  | Debt Service Coverage Ratio | Present | No | 0 | 1750 | Appraisal - 1007 |  | N/A |  |  | 1750 | Appraisal - 1007 | No | 107.2 | 0.97 | 0.933 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 1750 |  |  |  |  |  |  |  | No | 1 | 1 | 1 | N/A | 63.43 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
|  | 2000052275 |  | XX |  |  | Debt Service Coverage Ratio | Present | No | 0 | 2400 | Appraisal - 1007 |  | N/A |  |  | 2400 | Appraisal - 1007 | No | 105.25 | 0.95 | 0.95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2400 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 9.65 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |

---

## Exhibit 99.5

**Exhibit 99.5**

![](ex99-5_001.jpg)

Consolidated Analytics, Inc.

Form ABS Due Diligence 15-E

NRMLT 2025-NQM6

**Attachment A**

**Item 4: Description of the due diligence performed**

NRMLT 2025-NQM6

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

Consolidated Analytics, Inc. ("Consolidated Analytics") performed certain due diligence services (the "Review") described below on newly originated residential mortgage loans acquired by Rithm Capital through a bulk purchase. The Review was conducted from April 2025 through July 2025 on mortgage loans originated between December 2024 and July 2025.

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

The Review consisted of a sample population of forty-five (45) loans with an aggregate principal balance of $26,794,239.00

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

The sample population was determined and provided by Consolidated Analytics' client (as identified by Item 2). The Review was conducted consistent with the criteria for the nationally recognized statistical rating organizations Fitch Ratings, Inc and Kroll Bond Rating Agency, LLC, NRSRO(s), identified in Item 3 of the ABS Due Diligence-15E. Consolidated Analytics does not know the size of the overall securitization population and other third-party review ("TPR") firms may have reviewed loans within the overall securitization population.

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

Consolidated Analytics compared data fields on the bid tape provided by the Client to the data found in the actual mortgage loan file as captured by Consolidated Analytics. This comparison, when data was available, included the following data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;Original Appraised Value |
| &nbsp;&nbsp;Rate Lock Date | &nbsp;&nbsp;Original PI Payment | &nbsp;&nbsp;Borrower Last Name |
| &nbsp;&nbsp;Escrow Indicator | &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Property Units | &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Orig Front End DTI | &nbsp;&nbsp;Original Note Rate | &nbsp;&nbsp;Original CLTV |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Original Term | &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Orig Back End DTI | &nbsp;&nbsp;Property Address | &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;UW FICO Utilized |
| &nbsp;&nbsp;AUS Type | &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;All Borrower Total Income |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Reserves |
| &nbsp;&nbsp;Original HOA Payment | &nbsp;&nbsp;Residual Income | &nbsp;&nbsp;Total Reserves Number of Months |
| &nbsp;&nbsp;Non-QM Months Reserves | &nbsp;&nbsp;As-Is Value | &nbsp;&nbsp;DSCR |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;Citizenship Type | &nbsp;&nbsp;Months Payment (P&I) | &nbsp;&nbsp;Coborrower Last Name |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;Property County | &nbsp;&nbsp;Property Value |
| &nbsp;&nbsp;Borrower Appraisal Receipt Date | &nbsp;&nbsp;Total Qualified Assets Available | &nbsp;&nbsp;Originator Doc Type |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;Total Liquid Assets Available For Close | &nbsp;&nbsp;Qualifying Total Monthly Liabilities |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Qualifying Value | &nbsp;&nbsp;T & I Payment | &nbsp;&nbsp;Verified Doc Type |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close | &nbsp;&nbsp;Borrower 1 Total Years Employment/Self-Employment Verified | &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;Borrower 1 Citizen |  |

---

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

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

The Credit Review attempted to confirm the following:

A. QM or ATR Validation / Review of 8 Key Underwriting Factors

&nbsp;&nbsp;&nbsp;&nbsp;1. Income / Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate borrower(s) monthly gross income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate funds required to close, required reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Review file documentation for required level of income and asset verifications

&nbsp;&nbsp;&nbsp;&nbsp;2. Employment Status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;3. Monthly Mortgage Payment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Confirm program, qualifying rate, terms

&nbsp;&nbsp;&nbsp;&nbsp;4. Simultaneous Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate all concurrent loans are included in the DTI to properly assess the ability to repay

&nbsp;&nbsp;&nbsp;&nbsp;5. Mortgage Related Obligations: PITI, HOA, PMI, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate subject loan monthly payment (PITI) and associated obligations

&nbsp;&nbsp;&nbsp;&nbsp;6. Debts / Obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate monthly recurring liabilities

&nbsp;&nbsp;&nbsp;&nbsp;7. DTI and/or Residual Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate debt-to-income ratio (DTI) based upon income and debt documentation provided in the file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Documentation meets Appendix Q requirements for QM Loans

&nbsp;&nbsp;&nbsp;&nbsp;8. Credit History

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review credit report for credit history and required credit depth including any / all inquiries

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Determine representative credit score from credit report

&nbsp;&nbsp;&nbsp;&nbsp;9. Validate loan-to-value (LTV) and combined loan-to-value

&nbsp;&nbsp;&nbsp;&nbsp;10. Review borrower's occupancy

&nbsp;&nbsp;&nbsp;&nbsp;11. Validation through third party resource of the subject properties most recent twelve (12) month sales
history

&nbsp;&nbsp;&nbsp;&nbsp;12. Confirm sufficient evidence in loan file, by reviewing the underwriter's decision to approve the
loan based upon the borrows income, debt, and credit history, to support borrower's willingness and ability to repay the debt

&nbsp;&nbsp;&nbsp;&nbsp;13. Confirm that Final 1003 is sufficiently completed

&nbsp;&nbsp;&nbsp;&nbsp;14. Provide Audit 1008 with accurate data based on file documentation

&nbsp;&nbsp;&nbsp;&nbsp;15. Confirm Loan Approval conditions were met

&nbsp;&nbsp;&nbsp;&nbsp;16. Review condominium questionnaire to verify all information is complete, prepared by an authorized representative,
and address any red flags that may deem condominium project ineligible

&nbsp;&nbsp;&nbsp;&nbsp;17. General QM for any loans originated under the GQM Rule

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Pricing Thresholds:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Pricing for First Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first-lien covered transaction with a loan amount
greater than or equal to the applicable dollar amount threshold; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 3.5% for a first-lien covered transaction with a loan amount greater than or equal to the applicable dollar amount threshold; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 6.5% for a first-lien covered transaction with a loan amount less than the applicable dollar amount threshold.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Pricing for Subordinate Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3.5% for a subordinate-lien covered transaction with a loan amount greater than or equal to the applicable dollar amount threshold;
and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5% for a subordinate-lien covered transaction with a loan amount less than the applicable dollar amount threshold

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Pricing for Manufactured Homes:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first-lien covered transaction secured by a manufactured home with a loan amount equal to or greater than the applicable
dollar amount threshold; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5% for a covered transaction secured by a manufactured home with a loan amount less than the applicable dollar amount threshold.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Consider Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Consumer's current or reasonably expected income or assets (other than the value of the dwelling that secures the loan;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The consumer's debt obligations, alimony, child support; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. The monthly DTI or residual income.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Verification of Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verification in compliance with one of the "safe harbor" guidelines will meet the QM verification requirement. A creditor
is allowed to "mix and match" provisions of the different guidelines rather than only apply one guideline per loan.

The specific guidelines that the CFPB is designating for the safe harbor are: The GQM Rule provides that if the creditor verifies the consumer's income or assets, debt obligations, alimony, child support, and monthly DTI or residual income by meeting the standards of certain specified third-party underwriting manuals, then a creditor is presumed to have complied with the **verification** requirement. These specified manuals are:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Chapters B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide, published June 3, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Sections 5102 through 5500 of the Freddie Mac Single-Family Seller/Servicer Guide, published June 10, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sections II.A.1 and II.A.4-5 of the Federal Housing Administration's Single Family Housing Policy Handbook, issued October 24,
2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Chapter 4 of the U.S. Department of Veterans Affairs' Lenders Handbook, revised February 22, 2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Chapter 4 of the U.S. Department of Agriculture's Field Office Handbook for the Direct Single Family Housing Program, revised
March 15, 2019; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Chapters 9 through 11 of the U.S. Department of Agriculture's Handbook for the Single Family Guaranteed Loan Program, revised
March 19, 2020.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;1. Review original appraisal, determination that property is in "average" condition or better,
or property requires cosmetic improvements (as defined by the appraiser) that do not affect habitability. Should an area of concern be
identified with the condition of the property, Consolidated Analytics will alert Client.

&nbsp;&nbsp;&nbsp;&nbsp;2. Review appraisal, determination that property is completely constructed and appraisal is on an "as
is basis," or property is identified as not completely constructed by originating appraiser.

&nbsp;&nbsp;&nbsp;&nbsp;3. Review and determine if the appraisal report was performed on appropriate GSE forms and if the appraiser
indicated in the body of the subject appraisal that the appraisal conforms to USPAP standards.

&nbsp;&nbsp;&nbsp;&nbsp;4. Review and determine the relevance of the comparable properties and ensure that a rational and reliable
value was provided and supported as of the effective date of the Origination Appraisal.

&nbsp;&nbsp;&nbsp;&nbsp;5. Review adjustments (line item, net and gross adjustments) to ensure they are reasonable.

&nbsp;&nbsp;&nbsp;&nbsp;6. Ensure that the appraisal conforms to the guidelines provided from the Client

&nbsp;&nbsp;&nbsp;&nbsp;7. Review appraisal to ensure all required documents were included.

&nbsp;&nbsp;&nbsp;&nbsp;8. Review location map provided within the appraisal for external obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;9. Ensure highest and best use and zoning complies with guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;10. Confirm there are no marketability issues that affect the subject property.

&nbsp;&nbsp;&nbsp;&nbsp;11. Ensure subject property does not suffer any functional obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;12. Where applicable, determine if the file did not contain the appraisal or other valuation method and a
review could not be performed.

&nbsp;&nbsp;&nbsp;&nbsp;13. Additional valuation products were not required when the CU score provided was 2.5 or below or the appraisal
LCA risk score was eligible for Collateral Rep and Warranty relief. In the event the CU score was greater than 2.5 or the LCA score was
not eligible for R&W relief, an additional valuation product was obtained to confirm value was supported within 10% tolerance. In
some instances, based on guidance from the seller, CDA's were ordered on loans that had an acceptable CU score or R&W eligibility.

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

For loans reviewed in a post-close valuation review scenario (45 loans in total):

Three (3) loans had a Secondary Appraisal, one (1) loan had an AVM, zero (0) loans had a Field Review, and eighteen (18) loans had Desktop Reviews. Consolidated Analytics has independent access to the Desktop Reviews ordered by the Aggregator.

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

Zero (0) loans had a Second Desk Review and zero (0) loans had a Full Appraisal Review.

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

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

Consolidated Analytics performed a "Compliance Review" to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. In relation to cash out refinances of investment property loans, documentation provided in the loan file will be reviewed only to validate the use of cash out proceeds for business purposes at the origination/consummation of the loan. In the event use of proceeds cannot be validated, or are deemed to be utilized for consumer purposes, the loan would then be subject to a "Compliance Review" of applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. The Compliance Review included the following:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirm a full three (3) day rescission period was provided to the borrower(s)

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

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

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

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

**(8) Other: review and methodology.**

Not applicable.

**Attachment B<br> Item 5: Summary of findings and conclusions of review**

**Summary of Results**

**OVERALL RESULTS SUMMARY** 

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of <br> Sample |
| Event Grade A | 38 | $23472339.00 | 84.44% |
| Event Grade B | 7 | $3321900.00 | 15.56% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 45 | $26794239.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 41 | 91.11% |
| Event Grade B | 4 | 8.89% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 45 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results: (As applicable, 18 loans within population did not receive a Compliance Review)** | **Compliance Results: (As applicable, 18 loans within population did not receive a Compliance Review)** | **Compliance Results: (As applicable, 18 loans within population did not receive a Compliance Review)** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 25 | 92.59% |
| Event Grade B | 2 | 7.41% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 27 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 44 | 97.78% |
| Event Grade B | 1 | 2.22% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 45 | 100.00% |

---

**Exception Category Summary**

The table below summarizes the individual exceptions which carried an associated "A", "B", "C", or "D" level exception grade. One loan may have carried more than one exception. In such cases, the exception with the lowest grade would drive the loan grade for that particular area of the review. The overall loan grade is the lowest grade for any one particular review scope (ex. a loan with a Compliance Grade of "B", a Credit Grade of "A", and a Property Grade of "A" would receive an overall Loan Grade of "B").

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception <br> Type | &nbsp;&nbsp;Exception <br> Level <br> Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;16 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Background Check Missing or Defective | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Fraud Report not Provided | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Gap Credit Report is Missing | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Assets do not meet guideline requirements | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;All Interested Parties Not Checked with Exclusionary Lists | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;OFAC Check Not Completed and/or Cleared | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Letter of Explanation (Assets) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset Documentation Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Policy is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Purchase is not considered to be an Arm's Length Transaction | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 2 Gap Credit Report is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Effective Date is after the Disbursement Date | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Insurance Coverage - Inadequate Coverage | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Final 1003 is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Purchase Contract is Missing | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;Missing Lease Agreement | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Entity Documentation - Missing or Defective | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Guideline Seasoning not Met | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Missing final HUD-1 from sale of non-subject property | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Missing Property Tax Cert | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Business Purpose Affidavit/Disclosure Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Borrower 2 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;The Total Hazard Coverage is LESS than the Required Coverage Amount | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Borrower 1 CPA Letter Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Title Document Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;HO-6 Insurance Policy is Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Title Insurance Missing or Defective | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;HO6 Master Insurance Policy is Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Property Title Issue | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***97*** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower 1 Credit Report is Expired | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***7*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;eSigned Documents Consent is Missing | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;NY Subprime Home Loan Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Loan Originator NMLS Status is Not Active | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;High-Cost Mortgage Late Fee Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;High-Cost Mortgage Points and Fees Threshold Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;High-Cost Mortgage Pre-Loan Counseling Date Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Credit Score Disclosure (FACTA) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;High-Cost Mortgage Timing of Disclosure Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;CA AB 260 Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TRID: Closing Disclosure not received by the borrower 3 days prior to consummation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Homeownership Counseling Disclosure Is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***41*** |

---

---

| | | | |
|:---|:---|:---|:---|
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***2*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;22 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Missing or Defective | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal Review - Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Subject Property Lease - Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Subject property appraisal is not on an as-is basis (Primary Value) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;HOA Questionnaire is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;***37*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Ineligible Property | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***1*** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the forty-five (45) mortgage loans reviewed, thirty-three (33) unique mortgage loans (73.33 % by loan count) had a total of one hundred four (104) discrepancies across twenty-three (23) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy <br> Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;24 | &nbsp;&nbsp;22.43% |
| &nbsp;&nbsp;Qualifying All Borrower Residual Income | &nbsp;&nbsp;23 | &nbsp;&nbsp;21.50% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;9 | &nbsp;&nbsp;8.41% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;9 | &nbsp;&nbsp;8.41% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;7 | &nbsp;&nbsp;6.54% |
| &nbsp;&nbsp;T & I Payment | &nbsp;&nbsp;5 | &nbsp;&nbsp;4.67% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.80% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.87% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.87% |
| &nbsp;&nbsp;Qualifying Total Monthly Liabilities | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.87% |
| &nbsp;&nbsp;Total Liquid Assets Available For Close | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.87% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Mo Pymt (P&I) | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.87% |
| &nbsp;&nbsp;Total Qualified Assets Available | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.87% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.87% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.87% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.93% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.93% |
| &nbsp;&nbsp;Credit QM/ATR Designation | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.93% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.93% |
| &nbsp;&nbsp;Escrows | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.93% |
| &nbsp;&nbsp;Closing/Settlement Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.93% |
| &nbsp;&nbsp;Borrower Appraisal Receipt Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.93% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.93% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**104** | &nbsp;&nbsp;**97.20%** |

---

**Event Grade Definitions**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Final Loan Grade** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Loan meets Credit, Compliance, and Valuation Guidelines |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and substantially meets published guidelines. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Loan is missing documentation to perform a sufficient review. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan meets the published guidelines without any exceptions. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Compliance Event Grades** | &nbsp;&nbsp;**Compliance Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Client review required. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan violates one material law or regulation. The material disclosures are absent or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the required legal documents were not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The value is supported within 10% of the original appraisal by the AVM or there are other supporting documents in the originators loan file package (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal by the AVM and there are no other valuation support documents in the loan file provided by the Seller. The valuation methodology substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 1**

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| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **Initial Compliance Loan Grades DBRS** | **Initial Compliance Loan Grades Fitch** | **Initial Compliance Loan Grades Kroll** | **Initial Compliance Loan Grades Moody's** | **Initial Compliance Loan Grades S&P** | **Final Compliance Loan Grades DBRS** | **Final Compliance Loan Grades Fitch** | **Final Compliance Loan Grades Kroll** | **Final Compliance Loan Grades Moody's** | **Final Compliance Loan Grades S&P** |
| xxx | 2502149005 |  |  | $xxx D | A | A | A | A | A D | A | A | A | A | A |
| xxx | 2503150280 |  |  | $xxx C | A | A | A | A | A C | A | A | A | A | A |
| xxx | 6000054521 |  |  | $xxx A | A | A | A | A | A | A | A | A | A | A |
| xxx | 6000054512 |  |  | $xxx C | C | C | C | C | C A | A | A | A | A | A |
| xxx | 92300185552 |  |  | $xxx D | C | C | C | C | C A D | A | A | A | A | A |
| xxx | 92300186103 |  |  | $xxx A | C | C | C | C | C A | A | A | A | A | A |
| xxx | 92300186217 |  |  | $xxx D | B | B | B | B | B A D | A | A | A | A | A B |
| xxx | 92300186411 |  |  | $xxx A | B | B | B | B | B A | A | A | A | A | A |
| xxx | 92300186514 |  |  | $xxx C | C | C | C | C | C A | A | A | A | A | A |
| xxx | 92010182523 |  |  | $xxx D | C | C | C | C | C A D | A | A | A | A | A |
| xxx | 92300186688 |  |  | $xxx D | B | B | B | B | B A D | A | A | A | A | A |
| xxx | 92300186067 |  |  | $xxx D | C | C | C | C | C D A | B | B | B | B | B A |
| xxx | 92010185097 |  |  | $xxx D | A | A | A | A | A D | A | A | A | A | A |
| xxx | 92010185074 |  |  | $xxx D | C | C | C | C | C A D B | A | A | A | A | A B |
| xxx | 92300186526 |  |  | $xxx C | B | B | B | B | B A C | A | A | A | A | A |
| xxx | 92300186546 |  |  | $xxx A | B | B | B | B | B A | A | A | A | A | A |
| xxx | 92400184631 |  |  | $xxx D | A | A | A | A | A D B | A | A | A | A | A B |
| xxx | 92010186388 |  |  | $xxx D | B | B | B | B | B A D | A | A | A | A | A |
| xxx | 92010185219 |  |  | $xxx D | A | A | A | A | A D | A | A | A | A | A |
| xxx | 92010184771 |  |  | $xxx D | A | A | A | A | A C D | A | A | A | A | A |
| xxx | 92300186597 |  |  | $xxx A | C | C | C | C | C A | B | B | B | B | B A |
| xxx | 92010185865 |  |  | $xxx D | C | C | C | C | C A D | A | A | A | A | A |
| xxx | 92400182850 |  |  | $xxx D | C | C | C | C | C A D | A | A | A | A | A |
| xxx | 92400184104 |  |  | $xxx D | A | A | A | A | A C D B | A | A | A | A | A B |
| xxx | 92010186639 |  |  | $xxx A | B | B | B | B | B A | A | A | A | A | A |
| xxx | 92010186273 |  |  | $xxx A | B | B | B | B | B A | A | A | A | A | A |
| xxx | 92400185487 |  |  | $xxx A | A | A | A | A | A | A | A | A | A | A |
| xxx | 92400185429 |  |  | $xxx D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| xxx | 92300186468 |  |  | $xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 92010186372 |  |  | $xxx D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| xxx | 92300186230 |  |  | $xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 92300186608 |  |  | $xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 92010187181 |  |  | $xxx D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| xxx | 92010184304 |  |  | $xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 92010184479 |  |  | $xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 92010174277 |  |  | $xxx D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A B |
| xxx | 92400184623 |  |  | $xxx D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| xxx | 92300186406 |  |  | $xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 92010185057 |  |  | $xxx D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| xxx | 92010185340 |  |  | $xxx D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| xxx | 92300186264 |  |  | $xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 92400185271 |  |  | $xxx D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| xxx | 92010185532 |  |  | $xxx D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| xxx | 2503150545 |  |  | $xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 2503150254 |  |  | $xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan Number** | **Seller Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** | **Initial Compliance Grade** | **Final Compliance Grade** | **Initial Compliance Grade (DBRS/Morningstar)** | **Initial Compliance Grade (Fitch)** | **Initial Compliance Grade (Kroll)** | **Initial Compliance Grade (Moodys)** | **Initial Compliance Grade (S&P)** | **Final Compliance Grade (DBRS/Morningstar)** | **Final Compliance Grade (Fitch)** | **Final Compliance Grade (Kroll)** | **Final Compliance Grade (Moodys)** | **Final Compliance Grade (S&P)** |
| xxx | 2502149005 |  | xxx | xxx | 03/xx/2025 | $xxx | PA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/11/2025 | Resolved | FCRE1325 | Credit | Borrower 1 CPA Letter Missing | Borrower 1 CPA Letter Missing Lender's verbal verification of employment states business was verified via CPA letter, however letter is not located in the file. Lender provided business license for xxx which expired 03/XX/2025 and loan closed 03/XX/2025. Missing CPA letter confirming verification of borrower's business. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. PAGE 447 OF LOAN PACKAGE | 04/25/2025 | Borrower 1 CPA Letter Provided; Active business license for xxx was received. ; ; Borrower 1 CPA Letter Missing Letter provided does not verify length of employment, years in business for borrower. 1003 has employer name as xxx, however bank statements provided reflect xxx as the business. Requesting 1003 to be updated or confirmation companies are one in the same. Also missing CPA letter used by lender to verify employment. xxx license expired 03/16/2025.; Borrower 1 CPA Letter Missing Letter provided does not verify length of employment, years in business for borrower. 1003 has employer name as xxx, however bank statements provided reflect xxx as the business. Requesting 1003 to be updated or confirmation companies are one in the same. Also missing CPA letter used by lender to verify employment. xxx license expired 03/16/2025.; CPA letter provided. | 04/28/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 698 is greater than Guideline minimum FICO of 680<br>Borrower has stable job time - Borrower has 11.24 years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 53.15% is less than Guideline LTV of 80%<br>Qualifying DTI below max allowed. - Calculated DTI of 12.58% is less than Guideline DTI of 45%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.15% is less than Guideline CLTV of 80% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| xxx | 2502149005 |  | xxx | xxx | 03/xx/2025 | $xxx | PA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/11/2025 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The current employer name disclosed on the final 1003 is "xxx" does not match the business name listed on the bank statements of "xxx" used for income qualification. Provide updated 1003 with correct business name or provided documentation that businesses are one in the same. | Document Uploaded. | 04/25/2025 | The Final 1003 is Present; Updated 1003 application with employer as xxx was received. | 04/28/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 698 is greater than Guideline minimum FICO of 680<br>Borrower has stable job time - Borrower has 11.24 years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 53.15% is less than Guideline LTV of 80%<br>Qualifying DTI below max allowed. - Calculated DTI of 12.58% is less than Guideline DTI of 45%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.15% is less than Guideline CLTV of 80% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| xxx | 2502149005 |  | xxx | xxx | 03/xx/2025 | $xxx | PA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/11/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue Title commitment Schedule B Part 1 #11 reflects a $xxx mortgage opened 10/XX/2019 that does not belong to borrower. Provide updated title showing mortgage has been removed. | Document Uploaded. | 04/25/2025 | Property Title Issue Resolved; Schedule B Part 1 #11 $xxx mortgage opened 10/xx/2019 on title commitment was removed on the final title policy provided. | 04/28/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 698 is greater than Guideline minimum FICO of 680<br>Borrower has stable job time - Borrower has 11.24 years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 53.15% is less than Guideline LTV of 80%<br>Qualifying DTI below max allowed. - Calculated DTI of 12.58% is less than Guideline DTI of 45%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.15% is less than Guideline CLTV of 80% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| xxx | 2502149005 |  | xxx | xxx | 03/xx/2025 | $xxx | PA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 698 is greater than Guideline minimum FICO of 680<br>Borrower has stable job time - Borrower has 11.24 years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 53.15% is less than Guideline LTV of 80%<br>Qualifying DTI below max allowed. - Calculated DTI of 12.58% is less than Guideline DTI of 45%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.15% is less than Guideline CLTV of 80% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| xxx | 2502149005 |  | xxx | xxx | 03/xx/2025 | $xxx | PA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 698 is greater than Guideline minimum FICO of 680<br>Borrower has stable job time - Borrower has 11.24 years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 53.15% is less than Guideline LTV of 80%<br>Qualifying DTI below max allowed. - Calculated DTI of 12.58% is less than Guideline DTI of 45%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.15% is less than Guideline CLTV of 80% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| xxx | 2503150280 |  | xxx | xxx | 03/xx/2025 | $xxx | CA | ATR/QM: Exempt | Loan Review Complete | 04/14/2025 | Resolved | FCRE1159 | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of 04-xx-2025 is after the Disbursement Date of 03-xx-2025. The dates entered are correct. | Document Uploaded. | 04/22/2025 | Hazard Insurance Effective Date of 04-01-2025 is prior to or equal to the Disbursement Date of 04-02-2025 Or Hazard Insurance Effective Date Is Not Provided.; Final Closing Statement with a disbursement date of 4/2/2025 was received. | 04/23/2025 | Borrower has stable job time - Borrower has 7.83 years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| xxx | 2503150280 |  | xxx | xxx | 03/xx/2025 | $xxx | CA | ATR/QM: Exempt | Loan Review Complete | 04/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 7.83 years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| xxx | 2503150280 |  | xxx | xxx | 03/xx/2025 | $xxx | CA | ATR/QM: Exempt | Loan Review Complete | 04/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 7.83 years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| xxx | 6000054521 |  | xxx | xxx | 05/xx/2025 | $xxx | WI | ATR/QM: Exempt | Loan Review Complete | 05/17/2025 | Resolved | FCOM8997 | 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 |
| xxx | 6000054521 |  | xxx | xxx | 05/xx/2025 | $xxx | WI | ATR/QM: Exempt | Loan Review Complete | 05/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| xxx | 6000054521 |  | xxx | xxx | 05/xx/2025 | $xxx | WI | ATR/QM: Exempt | Loan Review Complete | 05/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| xxx | 6000054512 |  | xxx | xxx | 05/xx/2025 | $xxx | FL | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/27/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Per lender Income Calculation worksheet, not all bank statements lender utilized is in the loan file. Missing May 2024 bank statement for account ending in xxx. | uploaded<br> ; Document Uploaded. ; Document Uploaded. | 05/29/2025 | Documentation provided is sufficient. Exception resolved.; Income and Employment Meet Guidelines; Missing the April 12 - May xxx 2024 Bank Statement for xxx account ending in #xxx. Exception remains. | 07/14/2025 | Borrower has stable job time - Borrower has 3.98 years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| xxx | 6000054512 |  | xxx | xxx | 05/xx/2025 | $xxx | FL | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/23/2025 | Resolved | finding-3393 | Compliance | High-Cost Mortgage Points and Fees Threshold Test | This loan failed the high-cost mortgage points and fees threshold test due to one of the following findings: (12 CFR §1026.32(a)(1)(ii)(A), (B))The loan amount is $xxx or more, and the transaction's total points and fees is $xxx, which exceeds 5 percent of the total loan amount of $xxx; or The loan amount is less than $xxx and the transaction's total points and fees is $xxx, which exceeds the lesser of 8 percent of the total loan amount of $xxx or $xxx. The following fees were included in testing:<br>Appraisal Management Fee paid by Borrower: $xxx<br> Mortgage Broker Fee (Indirect) $xxx<br> Points - Loan Discount Fee paid by Borrower: $xxx<br> Underwriting Fee paid by Borrower: $xxx<br>Please provide the Undiscounted rate. Once received, additional testing will be completed. | Document Uploaded. | 05/28/2025 | Undiscounted rate provided; exception resolved; Undiscounted rate provided; exception resolved | 05/28/2025 | Borrower has stable job time - Borrower has 3.98 years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| xxx | 6000054512 |  | xxx | xxx | 05/xx/2025 | $xxx | FL | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/23/2025 | Resolved | finding-3399 | Compliance | High-Cost Mortgage Timing of Disclosure Test | This loan failed the high-cost mortgage timing of disclosure test due to one of the following findings: (12 CFR §1026.31(c))The High-Cost Mortgage Disclosure Date indicates the creditor did not furnish the disclosure required by 12 CFR §1026.32 at least three business days prior to the consummation or account opening of a high-cost mortgage; or The High-Cost Mortgage Disclosure Date was not provided; or Neither the consummation date nor the closing date was provided. The following fees were included in testing:<br>Appraisal Management Fee paid by Borrower: $xxx<br> Mortgage Broker Fee (Indirect) $xxx<br> Points - Loan Discount Fee paid by Borrower: $xxx<br> Underwriting Fee paid by Borrower: $xxx<br>Please provide the Undiscounted rate. Once received, additional testing will be completed. | Document Uploaded. | 05/28/2025 | Undiscounted rate provided; exception resolved; Undiscounted rate provided; exception resolved | 05/28/2025 | Borrower has stable job time - Borrower has 3.98 years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| xxx | 6000054512 |  | xxx | xxx | 05/xx/2025 | $xxx | FL | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/23/2025 | Resolved | finding-3406 | Compliance | High-Cost Mortgage Pre-Loan Counseling Date Test | This loan failed the high-cost mortgage pre-loan counseling date test due to one of the following findings: (12 CFR §1026.34(a)(5)(i), (ii))The loan is a 2010 RESPA loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the good faith estimate or the disclosures required by 12 CFR §1026.40; or The loan is a 2015 TRID loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the initial loan estimate or the disclosures required by 12 CFR §1026.40; or The loan is a chattel loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received the disclosures required by 12 CFR §1026.32; or The High-Cost Mortgage Pre-Loan Counseling Date was not provided; or The High-Cost Mortgage Pre-Loan Counseling Date is on or after the closing date or estimated closing date. Certification of counseling required. A creditor shall not extend a high-cost mortgage to a consumer unless the creditor receives written certification that the consumer has obtained counseling on the advisability of the mortgage from a counselor that is approved to provide such counseling by the Secretary of the U.S. Department of Housing and Urban Development or, if permitted by the Secretary, by a State housing finance authority.(ii) Timing of counseling. The counseling required under this paragraph (a)(5) must occur after:(A) The consumer receives either the disclosure required by section 5(c) of the Real Estate Settlement Procedures Act of 1974 (12 U.S.C. 2604(c)) or the disclosures required by §1026.40; or(B) The consumer receives the disclosures required by §1026.32(c), for transactions in which neither of the disclosures listed in (A) are provided. The following fees were included in testing:<br>Appraisal Management Fee paid by Borrower: $xxx<br> Mortgage Broker Fee (Indirect) $13,791.25<br> Points - Loan Discount Fee paid by Borrower: $13,199.48<br> Underwriting Fee paid by Borrower: $1,795.00<br>Please provide the Undiscounted rate. Once received, additional testing will be completed. | Document Uploaded. | 05/28/2025 | Undiscounted rate provided; exception resolved; Undiscounted rate provided; exception resolved | 05/28/2025 | Borrower has stable job time - Borrower has 3.98 years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| xxx | 6000054512 |  | xxx | xxx | 05/xx/2025 | $xxx | FL | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/23/2025 | Resolved | finding-3408 | Compliance | High-Cost Mortgage Late Fee Test | This loan failed the high-cost mortgage late charges test for one of the following reasons: (12 CFR §1026.34(a)(8)(i))The loan provides for a late payment fee in excess of 4% of the amount of the payment past due; or A value for the late charges amount was not provided. Any late payment charge imposed in connection with a high-cost mortgage must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed 4 percent of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. The following fees were included in testing:<br>Appraisal Management Fee paid by Borrower: $xxx<br> Mortgage Broker Fee (Indirect) $xxx<br> Points - Loan Discount Fee paid by Borrower: $xxx<br> Underwriting Fee paid by Borrower: $xxx<br>Please provide the Undiscounted rate. Once received, additional testing will be completed. | Document Uploaded. | 05/28/2025 | Undiscounted rate provided; exception resolved; Undiscounted rate provided; exception resolved | 05/28/2025 | Borrower has stable job time - Borrower has 3.98 years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| xxx | 6000054512 |  | xxx | xxx | 05/xx/2025 | $xxx | FL | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 3.98 years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| xxx | 92300185552 |  | xxx | xxx | 05/xx/2025 | $xxx | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/06/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated 05/XX/2025, however missing proof of e-consent dated 05/XX/2025 or before. | Document Uploaded. | 06/11/2025 | Evidence of eConsent is provided. | 06/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 697 is greater than Guideline minimum FICO of 640<br>Borrower has stable job time - Borrower has 2.04 years on job. D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| xxx | 92300185552 |  | xxx | xxx | 05/xx/2025 | $xxx | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/06/2025 | Resolved | FCRE1241 | Credit | Purchase Contract is Missing | Loan Purpose is Purchase but Purchase Contract Doc is Missing | Document Uploaded. | 06/11/2025 | Purchase Contract Doc is not Missing, or is Not Applicable.; Purchase contract received for the subject property. | 06/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 697 is greater than Guideline minimum FICO of 640<br>Borrower has stable job time - Borrower has 2.04 years on job. D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| xxx | 92300185552 |  | xxx | xxx | 05/xx/2025 | $xxx | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/06/2025 | Resolved | finding-2559 | Compliance | NY Subprime Home Loan Test | This loan failed the NY subprime home loan test. (NY SB 8143 Section 5, 1(c))Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. While the New York Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. Unable to downgrade due to missing NY counseling list | Document Uploaded. ; Document Uploaded. | 06/12/2025 | NY housing counseling list provided; NY subprime compliant; The federal homeownership counseling required under 1024.20 does not meet the requirements for NY sub-prime counseling list | 06/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 697 is greater than Guideline minimum FICO of 640<br>Borrower has stable job time - Borrower has 2.04 years on job. D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| xxx | 92300185552 |  | xxx | xxx | 05/xx/2025 | $xxx | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/06/2025 | Resolved | finding-3352 | 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. The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  | HPML compliant | 06/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 697 is greater than Guideline minimum FICO of 640<br>Borrower has stable job time - Borrower has 2.04 years on job. D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| xxx | 92300185552 |  | xxx | xxx | 05/xx/2025 | $xxx | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 697 is greater than Guideline minimum FICO of 640<br>Borrower has stable job time - Borrower has 2.04 years on job. D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| xxx | 92300186103 |  | xxx | xxx | 05/xx/2025 | $xxx | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/09/2025 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($xxx) does not exceed or equal the comparable sum of specific and non-specific lender credits ($xxx). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). The Lender credit decreased on the CD issued on 5/XX/25 without a valid reason. A cost to cure in the amount of $xxx is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change.  | Document Uploaded. | 06/10/2025 | Valid coc provided; exception resolved; Valid coc provided; exception resolved; This loan failed the lender credits that cannot decrease 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). The final sum of specific and non-specific lender credits ($2,065.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($2,240.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | 06/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 761 is greater than Guideline minimum FICO of 740<br>Qualifying DTI below max allowed. - Calculated DTI of 32.9% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 2.24 years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| xxx | 92300186103 |  | xxx | xxx | 05/xx/2025 | $xxx | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 761 is greater than Guideline minimum FICO of 740<br>Qualifying DTI below max allowed. - Calculated DTI of 32.9% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 2.24 years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| xxx | 92300186103 |  | xxx | xxx | 05/xx/2025 | $xxx | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 761 is greater than Guideline minimum FICO of 740<br>Qualifying DTI below max allowed. - Calculated DTI of 32.9% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 2.24 years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| xxx | 92300186217 |  | xxx | xxx | 12/xx/2024 | $xxx | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/08/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Document Uploaded. | 06/10/2025 | Required Affiliated Business Disclosure Documentation Provided; Affiliated attestation provided; Exception resolved | 06/15/2025 | Borrower has stable job time - Borrower has 5.3 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 747 is greater than Guideline minimum FICO of 720<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80%<br>Qualifying DTI below max allowed. - Calculated DTI of 18.76% is less than Guideline DTI of 50%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| xxx | 92300186217 |  | xxx | xxx | 12/xx/2024 | $xxx | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/09/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Missing VOE | Document Uploaded. ; Document Uploaded. | 06/12/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided; Received documentation completed by the borrower's CPA confirming ownership, filed most recent tax returns, and 100% owner. This along with the processor cert confirming the CPA/tax preparer prepared the P&L and business is open and active clears this condition. ; The letter uploaded was provided in the original file. Please provide a third party verification (Letter from CPA is acceptable) to confirm the business has been open and operating at least 2 years, they have prepared the borrower's most recent tax returns and that the business is open and active within 30 days of closing. The processor cert does not confirm how long the business has been open or that the tax preparer has prepared the borrower's most recent business returns. | 06/15/2025 | Borrower has stable job time - Borrower has 5.3 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 747 is greater than Guideline minimum FICO of 720<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80%<br>Qualifying DTI below max allowed. - Calculated DTI of 18.76% is less than Guideline DTI of 50%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| xxx | 92300186217 |  | xxx | xxx | 12/xx/2024 | $xxx | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/12/2025 | Acknowledged | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $19586.68 are less than Guideline Required Reserves of $27079.5. | Document Uploaded. | 06/13/2025 | Post Close Exception approved: Borrower has 4 months reserves. Loan amount is $xxx, <br> Program requires 6 months reserves for loan amounts > $500k.; When resaving data in the system condition fired for shortage of reserves. Audited Reserves of $19586.68 are less than Guideline Required Reserves of $27079.5. The borrower is currently short $7,492.82 in reserves. 6 months reserves are required based on the loan amount/product. Total liquid assets verified $275,261.63: xxx 11/xx/24 #xxx $xxx, xxx 11/xx/24 #xxx $xxx, and xxx 10/xx/24 #xxx $xxx. $275,261.63 liquid funds - cash to close $255,674.95 = $19,586.68 in available reserves. The file has asset statements from xxx 9/xx/24 #6612 but this is in the business name of xxx. In order to use these assets for reserves, we would need proof of borrower's ownership in the business. If the borrower is not 100% owner, we will need an access letter from their partner(s.) | 06/15/2025 | Borrower has stable job time - Borrower has 5.3 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 747 is greater than Guideline minimum FICO of 720<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80%<br>Qualifying DTI below max allowed. - Calculated DTI of 18.76% is less than Guideline DTI of 50%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| xxx | 92300186217 |  | xxx | xxx | 12/xx/2024 | $xxx | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 5.3 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 747 is greater than Guideline minimum FICO of 720<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80%<br>Qualifying DTI below max allowed. - Calculated DTI of 18.76% is less than Guideline DTI of 50%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% A | B | A D | B D A | B D A | B D A | B D A | B A | A B | A B | A B | A B | A |
| xxx | 92300186411 |  | xxx | xxx | 06/xx/2025 | $xxx | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/16/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Provide eConsent dated on or before 03/XX/2025. | Document Uploaded. | 06/18/2025 | Evidence of eConsent is provided. | 06/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%<br>Borrower has stable job time - Borrower has 13.1 years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| xxx | 92300186411 |  | xxx | xxx | 06/xx/2025 | $xxx | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/16/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant- Appraisal requirement met 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 | 06/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%<br>Borrower has stable job time - Borrower has 13.1 years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| xxx | 92300186411 |  | xxx | xxx | 06/xx/2025 | $xxx | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/16/2025 | Resolved | finding-2559 | Compliance | NY Subprime Home Loan Test | HPML related exception This loan failed the NY subprime home loan test. (NY SB 8143 Section 5, 1(c))Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. While the New York Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. |  |  | HPML compliant | 06/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%<br>Borrower has stable job time - Borrower has 13.1 years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| xxx | 92300186411 |  | xxx | xxx | 06/xx/2025 | $xxx | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%<br>Borrower has stable job time - Borrower has 13.1 years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| xxx | 92300186411 |  | xxx | xxx | 06/xx/2025 | $xxx | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%<br>Borrower has stable job time - Borrower has 13.1 years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| xxx | 92300186514 |  | xxx | xxx | 06/xx/2025 | $xxx | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/13/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Lock reflects XXX 1 YR Full Doc program; Loan file includes 1 YR 1099 only. XXXX ALT DOC 1099 program requires 2 yrs 1099 with fixed expense ratio of 10%. Income used to qualify in the amount of $15,500 (not supported by 2024 1099 in file). Clarification of income program to support $15,500 used to qualify required. | Document Uploaded. ; Document Uploaded. | 06/30/2025 | Income and Employment Meet Guidelines; Updated lock (6/30/2025) reflecting as xxx 1099 provided ; Lock confirmation indicate Doc type as 1 Yr Full doc, loan program as xxx. It appears 1099 income was utilized as a 2024 1099 was provided in the loan file. According to the xxx 1/xx/2025 2-years 1099 documents are required with fixed expense ratio of 10% . Income used to qualify in the amount of $15,500 is not supported by 2024 1099 in file. Clarification of income program to support $15,500 income used to qualify is required.  | 07/01/2025 | Borrower has stable job time - Borrower has 3.95 years on job.<br>Qualifying DTI below max allowed.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 720 is greater than Guideline minimum FICO of 700 A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| xxx | 92300186514 |  | xxx | xxx | 06/xx/2025 | $xxx | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/16/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | Please provide evidence borrower received Initial CD within required 3 days prior to consummation 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; or The 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 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. | Document Uploaded. | 06/17/2025 | Initial CD provided; exception resolved; Initial CD provided; exception resolved | 06/18/2025 | Borrower has stable job time - Borrower has 3.95 years on job.<br>Qualifying DTI below max allowed.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 720 is greater than Guideline minimum FICO of 700 A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| xxx | 92300186514 |  | xxx | xxx | 06/xx/2025 | $xxx | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 3.95 years on job.<br>Qualifying DTI below max allowed.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 720 is greater than Guideline minimum FICO of 700 A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| xxx | 92010182523 |  | xxx | xxx | 06/xx/2025 | $xxx | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/17/2025 | Resolved | FCOM3666 | Compliance | Loan Originator NMLS Status is Not Active | Loan Originator NMLS Status is Not Active. | Document Uploaded. | 06/19/2025 | Loan Originator NMLS Status is Active; Received NMLS license search indicating Loan Originator status as approved, and authorized to represent the Loan Origination Company | 06/19/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.58% is less than Guideline CLTV of 90%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 54.58% is less than Guideline LTV of 90%<br>Borrower has stable job time - Borrower has 10.35 years on job. D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| xxx | 92010182523 |  | xxx | xxx | 06/xx/2025 | $xxx | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/17/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Provide eConsent dated on or before 04/XX/2025. | Document Uploaded. | 06/19/2025 | Evidence of eConsent is provided. | 06/19/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.58% is less than Guideline CLTV of 90%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 54.58% is less than Guideline LTV of 90%<br>Borrower has stable job time - Borrower has 10.35 years on job. D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| xxx | 92010182523 |  | xxx | xxx | 06/xx/2025 | $xxx | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/17/2025 | Resolved | FCRE1253 | Credit | Missing Property Tax Cert | Missing Property Tax Cert. Please provide Property Tax Cert. | Document Uploaded. | 06/19/2025 | Property Tax Cert Provided; Tax cert for the subject property was provided. | 06/19/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.58% is less than Guideline CLTV of 90%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 54.58% is less than Guideline LTV of 90%<br>Borrower has stable job time - Borrower has 10.35 years on job. D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| xxx | 92010182523 |  | xxx | xxx | 06/xx/2025 | $xxx | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/17/2025 | Resolved | FCRE1145 | Credit | Title Document Missing | Title Document is missing. Please provide Title documentation. | Document Uploaded. | 06/19/2025 | Title Document is fully Present; Title commitment for the subject property was provided. | 06/19/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.58% is less than Guideline CLTV of 90%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 54.58% is less than Guideline LTV of 90%<br>Borrower has stable job time - Borrower has 10.35 years on job. D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| xxx | 92010182523 |  | xxx | xxx | 06/xx/2025 | $xxx | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/17/2025 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $118176.3. Audited Reserves of $0 are less than Guideline Required Reserves of $144437.7. | Document Uploaded. | 06/19/2025 | Audited Reserves of $676894 are equal to or greater than AUS Required Reserves of $118059.75.; Received evidence of $150,000 EMD, also received the following bank statements; xxx #xxx $xxx0; xxx #xxx; $xxx. | 06/19/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.58% is less than Guideline CLTV of 90%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 54.58% is less than Guideline LTV of 90%<br>Borrower has stable job time - Borrower has 10.35 years on job. D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| xxx | 92010182523 |  | xxx | xxx | 06/xx/2025 | $xxx | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/17/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing. Please provide 3rd Party VOE. | Document Uploaded. | 06/19/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided; A CPA letter validating borrower's self-employment was received. Verification of CPA was also received. | 06/19/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.58% is less than Guideline CLTV of 90%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 54.58% is less than Guideline LTV of 90%<br>Borrower has stable job time - Borrower has 10.35 years on job. D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| xxx | 92010182523 |  | xxx | xxx | 06/xx/2025 | $xxx | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/17/2025 | Resolved | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing Guidelines require a Gap Credit Report within 30 days of closing. Please provide Gap Credit Report. | Document Uploaded. | 06/19/2025 | Borrower 1 Gap Credit Report is not missing.; Credit refresh report dated within 30 days of closing was provided. | 06/19/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.58% is less than Guideline CLTV of 90%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 54.58% is less than Guideline LTV of 90%<br>Borrower has stable job time - Borrower has 10.35 years on job. D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| xxx | 92010182523 |  | xxx | xxx | 06/xx/2025 | $xxx | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/17/2025 | Resolved | FCRE1157 | Credit | Hazard Insurance Policy is Missing | Missing Hazard Insurance Policy. Please provide Hazard Insurance Policy. | Document Uploaded. | 06/19/2025 | Hazard Insurance Policy is fully present; Hazard insurance policy for the subject property was provided. | 06/19/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.58% is less than Guideline CLTV of 90%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 54.58% is less than Guideline LTV of 90%<br>Borrower has stable job time - Borrower has 10.35 years on job. D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| xxx | 92010182523 |  | xxx | xxx | 06/xx/2025 | $xxx | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/17/2025 | Resolved | FCRE0382 | Credit | Assets do not meet guideline requirements | When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. Subject is short funds to close and short reserves. Please provide Asset documentation. | Document Uploaded. | 06/19/2025 | Funds are found to meet guidelines.; Received evidence of $150,000 EMD, also received the following bank statements; xxx #xxx $xxx; xxx #xxx; $xxx. | 06/19/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.58% is less than Guideline CLTV of 90%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 54.58% is less than Guideline LTV of 90%<br>Borrower has stable job time - Borrower has 10.35 years on job. D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| xxx | 92010182523 |  | xxx | xxx | 06/xx/2025 | $xxx | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/17/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Please provide Third Party Fraud Report. | Document Uploaded. | 06/19/2025 | Third Party Fraud Report is provided; A third party fraud report was provided. | 06/19/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.58% is less than Guideline CLTV of 90%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 54.58% is less than Guideline LTV of 90%<br>Borrower has stable job time - Borrower has 10.35 years on job. D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| xxx | 92010182523 |  | xxx | xxx | 06/xx/2025 | $xxx | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/17/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of Mortgage, taxes, insurance and/or HOA fees for xxx and xxx. Please provide verification of Mortgage, Taxes, Insurance and/or HOA fees. | Document Uploaded. | 06/19/2025 | Evidence of PITI for xxx, xxx and xxx was received. Also received LOX indicating there are no HOA fees on the property.  | 06/19/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.58% is less than Guideline CLTV of 90%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 54.58% is less than Guideline LTV of 90%<br>Borrower has stable job time - Borrower has 10.35 years on job. D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| xxx | 92010182523 |  | xxx | xxx | 06/xx/2025 | $xxx | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.58% is less than Guideline CLTV of 90%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 54.58% is less than Guideline LTV of 90%<br>Borrower has stable job time - Borrower has 10.35 years on job. D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| xxx | 92300186688 |  | xxx | xxx | 06/xx/2025 | $xxx | OH | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/17/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). The file did not contain evidence that showed a copy of the appraisal was provided to the consumer promptly upon completion or at least 3-business days prior to consummation date 6/XX/2025. | Document Uploaded. ; Document Uploaded. | 06/24/2025 | Evidence of appraisal delivery provided.; The waiver provided does not confirm the borrower received the appraisal at or prior to consummation. The borrower may chose to waive it as indicated in the document provided but is still required to be provided a copy of the appraisal at or prior to consummation as required in 1002.14(a)(1) | 06/24/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.93% is less than Guideline CLTV of 90%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 64.93% is less than Guideline LTV of 90% D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| xxx | 92300186688 |  | xxx | xxx | 06/xx/2025 | $xxx | OH | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/16/2025 | Resolved | FCRE2371 | Credit | Missing final HUD-1 from sale of non-subject property | Documentation to include Final CD or Final Settlement Statement for sale of xxx is missing to support omission of associated mortgages | Document Uploaded. | 06/24/2025 | Received fully executed HUD1 from sale of departure property. ; Received fully executed CD on the sale of the borrower's departure property - reflects payoff of xxx and xxx. | 06/24/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.93% is less than Guideline CLTV of 90%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 64.93% is less than Guideline LTV of 90% D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| xxx | 92300186688 |  | xxx | xxx | 06/xx/2025 | $xxx | OH | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.93% is less than Guideline CLTV of 90%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 64.93% is less than Guideline LTV of 90% D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| xxx | 92300186067 |  | xxx | xxx | 06/xx/2025 | $xxx | NY | ATR/QM: Exempt | Loan Review Complete | 06/18/2025 | Resolved | FCRE9780 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Executed Business Purpose Disclosure is missing | Document Uploaded. | 07/01/2025 | Business Purpose Affidavit/Disclosure Provided; Business purpose affidavit provided. | 07/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 676 is greater than Guideline minimum FICO of 660<br>Borrower has stable job time - Borrower has 16.22 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 6.27% is less than Guideline DTI of 50% A | C | B D C | C D | C D | C D | C D | C B A | B A | B A | B A | B A | B |
| xxx | 92300186067 |  | xxx | xxx | 06/xx/2025 | $xxx | NY | ATR/QM: Exempt | Loan Review Complete | 06/18/2025 | Resolved | FPRO1136 | Property | Subject property appraisal is not on an as-is basis (Primary Value) | Primary Value Subject Property Appraisal is not on an As-Is Basis 1004D is missing | Document Uploaded. | 06/30/2025 | 1004D provided, exception resolved. ; Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable | 07/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 676 is greater than Guideline minimum FICO of 660<br>Borrower has stable job time - Borrower has 16.22 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 6.27% is less than Guideline DTI of 50% A | C | B D C | C D | C D | C D | C D | C B A | B A | B A | B A | B A | B |
| xxx | 92300186067 |  | xxx | xxx | 06/xx/2025 | $xxx | NY | ATR/QM: Exempt | Loan Review Complete | 06/18/2025 | Cured | finding-3635 | 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% ($1,261.00) exceed the comparable charges ($1,066.00) 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). TILA 130 Cure Required. Refund in the amount of $88.40; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The 10% tolerance violation in the amount of $88.400 is due to increase from $1,066.00 to $1,961.00 for the recording fee. Cure of $800.00 on final CD, $100 applied to increase of appraisal fee and $700 applied to recording fee. Remaining cure of $88.40 required. | Document Uploaded. | 07/10/2025 | Cure package provided to the borrower; exception downgraded to a 2/B | 07/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 676 is greater than Guideline minimum FICO of 660<br>Borrower has stable job time - Borrower has 16.22 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 6.27% is less than Guideline DTI of 50% A | C | B D C | C D | C D | C D | C D | C B A | B A | B A | B A | B A | B |
| xxx | 92010185097 |  | xxx | xxx | 06/xx/2025 | $xxx | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/19/2025 | Resolved | FPRO1500 | Property | HOA Questionnaire is Missing | HOA Questionnaire Missing HOA Questionnaire is missing | Document Uploaded. | 06/23/2025 | HOA Questionnaire Provided; A completed HOA questionnaire for the subject property was received. ; HOA questionnaire completed for the subject property was provided.  | 06/27/2025 | Borrower has stable job time - Borrower has 6.03 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 812 is greater than Guideline minimum FICO of 680<br>Qualifying DTI below max allowed. - Calculated DTI of 13.91% is less than Guideline DTI of 50% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| xxx | 92010185097 |  | xxx | xxx | 06/xx/2025 | $xxx | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/19/2025 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. | Document Uploaded. | 06/23/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Verification of mortgage was provided on the credit report – indicating mortgage was current; last payment was made on 5/1/2025. | 06/24/2025 | Borrower has stable job time - Borrower has 6.03 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 812 is greater than Guideline minimum FICO of 680<br>Qualifying DTI below max allowed. - Calculated DTI of 13.91% is less than Guideline DTI of 50% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| xxx | 92010185097 |  | xxx | xxx | 06/xx/2025 | $xxx | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/19/2025 | Resolved | FCRE1180 | Credit | HO-6 Insurance Policy is Missing | HO-6 Insurance Policy is Missing HO-6 policy is missing (applicable if Master Policy is not walls in) | Document Uploaded. | 06/23/2025 | HO-6 Insurance Policy is fully present; A HO-6 insurance policy for the subject property was received. | 06/24/2025 | Borrower has stable job time - Borrower has 6.03 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 812 is greater than Guideline minimum FICO of 680<br>Qualifying DTI below max allowed. - Calculated DTI of 13.91% is less than Guideline DTI of 50% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| xxx | 92010185097 |  | xxx | xxx | 06/xx/2025 | $xxx | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/19/2025 | Resolved | FCRE1173 | Credit | HO6 Master Insurance Policy is Missing | Missing HO-6 Master Insurance Policy Condo Master policy including property, fidelity/crime, liability and wind | Document Uploaded. | 06/23/2025 | HO-6 Master Insurance Policy is fully present; A HO-6 master insurance policy was received. | 06/24/2025 | Borrower has stable job time - Borrower has 6.03 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 812 is greater than Guideline minimum FICO of 680<br>Qualifying DTI below max allowed. - Calculated DTI of 13.91% is less than Guideline DTI of 50% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| xxx | 92010185097 |  | xxx | xxx | 06/xx/2025 | $xxx | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/19/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Third Party Fraud Report is missing | Document Uploaded. | 06/23/2025 | Third Party Fraud Report is provided; Fraud report received. | 06/24/2025 | Borrower has stable job time - Borrower has 6.03 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 812 is greater than Guideline minimum FICO of 680<br>Qualifying DTI below max allowed. - Calculated DTI of 13.91% is less than Guideline DTI of 50% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| xxx | 92010185097 |  | xxx | xxx | 06/xx/2025 | $xxx | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 6.03 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 812 is greater than Guideline minimum FICO of 680<br>Qualifying DTI below max allowed. - Calculated DTI of 13.91% is less than Guideline DTI of 50% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| xxx | 92010185074 |  | xxx | xxx | 06/xx/2025 | $xxx | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/25/2025 | Resolved | FCRE1157 | Credit | Hazard Insurance Policy is Missing | Missing Hazard Insurance Policy Hazard Insurance Policy is missing | Document Uploaded. | 06/30/2025 | Hazard Insurance Policy is fully present | 06/30/2025 | Borrower has stable job time - Borrower has 7.47 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 37.98% is less than Guideline DTI of 50% A | C | A D | C D A | C D A | C D A | C D A | C B A | A B | A B | A B | A B | A |
| xxx | 92010185074 |  | xxx | xxx | 06/xx/2025 | $xxx | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/25/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Third Party Fraud Report is missing | Document Uploaded. | 06/30/2025 | Third Party Fraud Report is provided | 06/30/2025 | Borrower has stable job time - Borrower has 7.47 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 37.98% is less than Guideline DTI of 50% A | C | A D | C D A | C D A | C D A | C D A | C B A | A B | A B | A B | A B | A |
| xxx | 92010185074 |  | xxx | xxx | 06/xx/2025 | $xxx | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/26/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required to confirm the e-Consent was received on or prior to 05/XX/2025. | Document Uploaded. | 06/30/2025 | Evidence of eConsent is provided. | 06/30/2025 | Borrower has stable job time - Borrower has 7.47 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 37.98% is less than Guideline DTI of 50% A | C | A D | C D A | C D A | C D A | C D A | C B A | A B | A B | A B | A B | A |
| xxx | 92010185074 |  | xxx | xxx | 06/xx/2025 | $xxx | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/25/2025 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 80% exceeds Guideline CLTV of 75% Lender Exception: Requesting an exception for 80 LTV; Comp Factors include: 6 months reserves; 5 years in current job; VOM 0x30 in 24 months. Exception approved 6/XX/2025 | Document Uploaded. | 06/30/2025 | Lender Exception Request for 80% LTV. Compensating Factors: 6 months reserves greater than program requirement; 5 years in current job, VOR 0x30 in 24 months | 06/30/2025 | Borrower has stable job time - Borrower has 7.47 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 37.98% is less than Guideline DTI of 50% A | C | A D | C D A | C D A | C D A | C D A | C B A | A B | A B | A B | A B | A |
| xxx | 92010185074 |  | xxx | xxx | 06/xx/2025 | $xxx | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/25/2025 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 80% exceeds Guideline HCLTV of 75% Lender Exception: Requesting an exception for 80 LTV; Comp Factors include: 6 months reserves; 5 years in current job; VOM 0x30 in 24 months. Exception approved 6/XX/2025 | Document Uploaded. | 06/30/2025 | Lender Exception Request for 80% LTV. Compensating Factors: 6 months reserves greater than program requirement; 5 years in current job, VOR 0x30 in 24 months | 06/30/2025 | Borrower has stable job time - Borrower has 7.47 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 37.98% is less than Guideline DTI of 50% A | C | A D | C D A | C D A | C D A | C D A | C B A | A B | A B | A B | A B | A |
| xxx | 92010185074 |  | xxx | xxx | 06/xx/2025 | $xxx | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/25/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 80% exceeds Guideline LTV of 75% Lender Exception: Requesting an exception for 80 LTV; Comp Factors include: 6 months reserves; 5 years in current job; VOM 0x30 in 24 months. Exception approved 6/XX/2025 | Document Uploaded. | 06/30/2025 | Lender Exception Request for 80% LTV. Compensating Factors: 6 months reserves greater than program requirement; 5 years in current job, VOR 0x30 in 24 months | 06/30/2025 | Borrower has stable job time - Borrower has 7.47 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 37.98% is less than Guideline DTI of 50% A | C | A D | C D A | C D A | C D A | C D A | C B A | A B | A B | A B | A B | A |
| xxx | 92010185074 |  | xxx | xxx | 06/xx/2025 | $xxx | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/26/2025 | Resolved | FCOM9175 | Compliance | TRID: Closing Disclosure not received by the borrower 3 days prior to consummation | Documentation required to confirm the borrower received the initial Closing Disclosure a minimum of 3 days prior to consummation. The only CD provided is dated 06/XX/2025 which is the closing date. | Document Uploaded. | 06/30/2025 | Initial CD provided; exception resolved | 06/30/2025 | Borrower has stable job time - Borrower has 7.47 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 37.98% is less than Guideline DTI of 50% A | C | A D | C D A | C D A | C D A | C D A | C B A | A B | A B | A B | A B | A |
| xxx | 92010185074 |  | xxx | xxx | 06/xx/2025 | $xxx | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 7.47 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 37.98% is less than Guideline DTI of 50% A | C | A D | C D A | C D A | C D A | C D A | C B A | A B | A B | A B | A B | A |
| xxx | 92300186526 |  | xxx | xxx | 06/xx/2025 | $xxx | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/26/2025 | Resolved | FCRE1159 | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of 06-17-2025 is after the Disbursement Date of 06-13-2025. The insurance Binder effective date is 6/XX/2025 and the loan closed on 6/XX/2025. Please provide an insurance policy with a 6/XX/2025 effective date. | Document Uploaded. | 07/03/2025 | Hazard Insurance Effective Date of 06-13-2025 is prior to or equal to the Disbursement Date of 06-13-2025 Or Hazard Insurance Effective Date Is Not Provided.; updated hazard insurance policy received with an effective date of 6/13/2025 | 07/09/2025 | Borrower has stable job time - Borrower has 5.71 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 725 is greater than Guideline minimum FICO of 680 A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| xxx | 92300186526 |  | xxx | xxx | 06/xx/2025 | $xxx | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/26/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Per the Privacy Notice, Wall Street has affiliates. Documentation required to confirm the Affiliated Business Disclosure was sent within 3 days of application 05/XX/2025 | Document Uploaded. | 06/30/2025 | Required Affiliated Business Disclosure Documentation Provided; Affiliated attestation provided; exception resolved | 07/09/2025 | Borrower has stable job time - Borrower has 5.71 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 725 is greater than Guideline minimum FICO of 680 A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| xxx | 92300186526 |  | xxx | xxx | 06/xx/2025 | $xxx | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/03/2025 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of (xx) is insufficient, not meeting the required coverage amount of ($XXX). The new policy effective 6/XX/2025 provided does not include guaranteed replacement cost coverage or a replacement cost coverage endorsement, or a replacement cost estimate from the insurer to confirm coverage of $xxx is sufficient to replace the home. | Document Uploaded. See attached where binder show 100% replacement cost; Document Uploaded. ; Document Uploaded. | 07/09/2025 | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; Updated hazard insurance document received for the subject property reflecting 100% guaranteed replacement cost coverage. ; The lender has uploaded the previous employment information for both borrower's and the updated final 1003s. This does not address the outstanding condition: The hazard insurance dwelling coverage of ($xxx) is insufficient, not meeting the required coverage amount of ($xxx). The new policy effective 6/13/2025 provided does not include guaranteed replacement cost coverage or a replacement cost coverage endorsement, or a replacement cost estimate from the insurer to confirm coverage of $xxx is sufficient to replace the home; The lender has uploaded the previous employment information for both borrower's and the updated final 1003s. This does not address the outstanding condition: The hazard insurance dwelling coverage of ($xxx) is insufficient, not meeting the required coverage amount of ($xxx). The new policy effective 6/13/2025 provided does not include guaranteed replacement cost coverage or a replacement cost coverage endorsement, or a replacement cost estimate from the insurer to confirm coverage of $xxx is sufficient to replace the home; The lender has uploaded the same hazard insurance documentation as in the original file. Documentation provided does not cure the finding. The hazard insurance dwelling coverage of ($xxx) is insufficient, not meeting the required coverage amount of ($xxx). The new policy effective 6/13/2025 provided does not include guaranteed replacement cost coverage or a replacement cost coverage endorsement, or a replacement cost estimate from the insurer to confirm coverage of $xxx is sufficient to replace the home; Updated hazard insurance received for the subject property. | 07/09/2025 | Borrower has stable job time - Borrower has 5.71 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 725 is greater than Guideline minimum FICO of 680 A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| xxx | 92300186526 |  | xxx | xxx | 06/xx/2025 | $xxx | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 5.71 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 725 is greater than Guideline minimum FICO of 680 A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| xxx | 92300186546 |  | xxx | xxx | 06/xx/2025 | $xxx | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/26/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to confirm the Affiliated Business Disclosure was issued within 3 days of application 05/XX/225 | Document Uploaded. | 06/27/2025 | Required Affiliated Business Disclosure Documentation Provided; Affiliated attestation provided; Exception resolved | 07/01/2025 | Qualifying DTI below max allowed. - Calculated DTI of 8.88% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 728 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 24.46 years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| xxx | 92300186546 |  | xxx | xxx | 06/xx/2025 | $xxx | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 8.88% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 728 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 24.46 years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| xxx | 92300186546 |  | xxx | xxx | 06/xx/2025 | $xxx | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 8.88% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 728 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 24.46 years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| xxx | 92400184631 |  | xxx | xxx | 06/xx/2025 | $xxx | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/26/2025 | Resolved | FCRE0382 | Credit | Assets do not meet guideline requirements | When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. Final 1003 Asset Listed xxx #xxx, xxx #xxx, xxx #xxx those account Source Documents are Missing. Missing Gift Letter in the amount of $11,103 and asset documentation verifying deposit. | Document Uploaded. | 06/30/2025 | Asset documentation has been provided. ; Funds are found to meet guidelines. | 07/14/2025 | Borrower has stable job time - Borrower has 7.47 years on job. D C A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| xxx | 92400184631 |  | xxx | xxx | 06/xx/2025 | $xxx | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/26/2025 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of 73.71% exceeds Guideline DTI of 50% Audit was unable to locate the mortgage statement for departing residence xxx. Missing Lease agreement and market rent 1007. Audit was unable to offset mortgage payment with rental income. | Document Uploaded. ; uploaded | 07/14/2025 | Audited DTI of 48.87% is less than or equal to Guideline DTI of 50%; Received the fully executed lease agreement, proof of deposit of the first month's rent and security deposit and market rent estimate supporting $2512/month. ; We have received the market rent estimate from XXX of $2484/month and the Mortgage statement confirming the mortgage payment of $xxx includes escrows for taxes and insurance. We are still missing a copy of the fully executed lease agreement on the departure property at xxx as required per lender guidelines on pg 89. This is necessary to offset the housing expense of $xxx/month. Audited DTI of 73.71% exceeds Guideline DTI of 50% ; We have received the market rent estimate from XXX of $2484/month and the Mortgage statement confirming the mortgage payment of $xxx includes escrows for taxes and insurance. We are still missing a copy of the fully executed lease agreement on the departure property at xxx as required per lender guidelines on pg 89. This is necessary to offset the housing expense of $xxx/month. | 07/14/2025 | Borrower has stable job time - Borrower has 7.47 years on job. D C A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| xxx | 92400184631 |  | xxx | xxx | 06/xx/2025 | $xxx | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/26/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Missing Fraud Report. | uploaded | 06/30/2025 | All Interested Parties Checked against Exclusionary Lists | 07/14/2025 | Borrower has stable job time - Borrower has 7.47 years on job. D C A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| xxx | 92400184631 |  | xxx | xxx | 06/xx/2025 | $xxx | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/26/2025 | Resolved | FCRE1205 | Credit | OFAC Check Not Completed and/or Cleared | OFAC Check Not Completed and/or Cleared Missing Fraud Report. | uploaded | 06/30/2025 | OFAC Check Completed and Cleared | 07/14/2025 | Borrower has stable job time - Borrower has 7.47 years on job. D C A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| xxx | 92400184631 |  | xxx | xxx | 06/xx/2025 | $xxx | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/26/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Fraud Report. | Document Uploaded. | 06/30/2025 | Third Party Fraud Report is provided | 07/14/2025 | Borrower has stable job time - Borrower has 7.47 years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| xxx | 92400184631 |  | xxx | xxx | 06/xx/2025 | $xxx | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/26/2025 | Acknowledged | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $7427.73. Missing the following asset statements listed on 1003. xxx #xxx, xxx #xxx, xxx #xxx. Missing Gift Letter in the amount of $11,103 and asset documentation verifying deposit. | Document Uploaded. ; uploaded | 07/14/2025 | Exception received for reserve shortage less than the 3 months required. 0.25 months short and 55% DTI. <br> Approved by xxx on 7/13/2025 - using 1/30/2025 guidelines. <br> Max LTV 85%, Max DTI 55%, no price adjustment; The borrower is still short $682.37 in reserves. We have received the gift of $11,103 from xxx - deposited into business xxx acct #xxx on 5/xx/2025. Total assets documented: $64,464.15 (xxx #xxx $xxx as of 5/xx/2025, xxx #xxx $xxx as of 5/xx/2025 balance - gift and $11,103 gift - cash to close of $xxx - $xxx open xxx account and required reserves of $xxx = -$xxx in reserves. Please provide additional asset documents to support the required reserves. | 07/14/2025 | Borrower has stable job time - Borrower has 7.47 years on job. D C A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| xxx | 92400184631 |  | xxx | xxx | 06/xx/2025 | $xxx | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/26/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant 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 | 06/27/2025 | Borrower has stable job time - Borrower has 7.47 years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| xxx | 92400184631 |  | xxx | xxx | 06/xx/2025 | $xxx | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 7.47 years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| xxx | 92010186388 |  | xxx | xxx | 06/xx/2025 | $xxx | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/30/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Provide eConsent dated on or before 6/XX/25. | Document Uploaded. | 07/08/2025 | Evidence of eConsent is provided. | 07/28/2025 | Borrower has stable job time - Borrower has 4.85 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 769 is greater than Guideline minimum FICO of 720<br>Qualifying DTI below max allowed. - Calculated DTI of 33.13% is less than Guideline DTI of 50% A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| xxx | 92010186388 |  | xxx | xxx | 06/xx/2025 | $xxx | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/30/2025 | Resolved | FCRE5783 | Credit | Borrower 2 Gap Credit Report is Missing | Borrower 2 Gap Credit Report is Missing Gap or undisclosed monitoring report for B2 within 30 days of closing is missing | Document Uploaded. | 07/08/2025 | Borrower 2 Gap Credit Report is not missing.; Gap credit report for B2 dated within 30 days of closing received. | 07/28/2025 | Borrower has stable job time - Borrower has 4.85 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 769 is greater than Guideline minimum FICO of 720<br>Qualifying DTI below max allowed. - Calculated DTI of 33.13% is less than Guideline DTI of 50% A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| xxx | 92010186388 |  | xxx | xxx | 06/xx/2025 | $xxx | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/30/2025 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. VOR (paid to management company) covering 12 months OR VOR (paid to private party) and 6 mos cancelled checks or bank statements OR Lease along with 12 mos cancelled checks or bank statements is missing | Document Uploaded. | 07/08/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; VOR and bank statement printout verifying 12 months rental payments was provided. | 07/28/2025 | Borrower has stable job time - Borrower has 4.85 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 769 is greater than Guideline minimum FICO of 720<br>Qualifying DTI below max allowed. - Calculated DTI of 33.13% is less than Guideline DTI of 50% A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| xxx | 92010186388 |  | xxx | xxx | 06/xx/2025 | $xxx | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/30/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Third Party Fraud Report is missing | Document Uploaded. | 07/08/2025 | Third Party Fraud Report is provided; Fraud Report received. | 07/28/2025 | Borrower has stable job time - Borrower has 4.85 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 769 is greater than Guideline minimum FICO of 720<br>Qualifying DTI below max allowed. - Calculated DTI of 33.13% is less than Guideline DTI of 50% A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| xxx | 92010186388 |  | xxx | xxx | 06/xx/2025 | $xxx | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/30/2025 | Resolved | FCRE9500 | Credit | Missing Letter of Explanation (Assets) | Access letter for use of xxx xxxx is missing (account used for B2 income and used for DP, closing costs and reserves) | Document Uploaded. ; Document Uploaded. | 07/23/2025 | Signed access letter for use of xxx xxx account was received.; Received CPA letters. Access letter for use of xxx xxx is missing (account used for B2 income and used for DP, closing costs and reserves). Condition remains. | 07/28/2025 | Borrower has stable job time - Borrower has 4.85 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 769 is greater than Guideline minimum FICO of 720<br>Qualifying DTI below max allowed. - Calculated DTI of 33.13% is less than Guideline DTI of 50% A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| xxx | 92010186388 |  | xxx | xxx | 06/xx/2025 | $xxx | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/30/2025 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California 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 California Financial Code.While the California 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 Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 07/01/2025 | Borrower has stable job time - Borrower has 4.85 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 769 is greater than Guideline minimum FICO of 720<br>Qualifying DTI below max allowed. - Calculated DTI of 33.13% is less than Guideline DTI of 50% A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| xxx | 92010186388 |  | xxx | xxx | 06/xx/2025 | $xxx | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/30/2025 | Resolved | finding-3352 | 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 Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 07/01/2025 | Borrower has stable job time - Borrower has 4.85 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 769 is greater than Guideline minimum FICO of 720<br>Qualifying DTI below max allowed. - Calculated DTI of 33.13% is less than Guideline DTI of 50% A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| xxx | 92010186388 |  | xxx | xxx | 06/xx/2025 | $xxx | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 4.85 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 769 is greater than Guideline minimum FICO of 720<br>Qualifying DTI below max allowed. - Calculated DTI of 33.13% is less than Guideline DTI of 50% A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| xxx | 92010185219 |  | xxx | xxx | 06/xx/2025 | $xxx | WA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/02/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing | Document Uploaded. | 07/09/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided; Verbal VOE dated 6/16/2025 provided for the borrower's primary employment with xxx. | 07/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of 34.28% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 14.58 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 761 is greater than Guideline minimum FICO of 740 A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| xxx | 92010185219 |  | xxx | xxx | 06/xx/2025 | $xxx | WA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/02/2025 | Resolved | FCRE1347 | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing | UPLOADED | 07/09/2025 | Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2); CPA letter and business website/search provided to meet the verbal verification of employment requirement. | 07/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of 34.28% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 14.58 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 761 is greater than Guideline minimum FICO of 740 A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| xxx | 92010185219 |  | xxx | xxx | 06/xx/2025 | $xxx | WA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/02/2025 | Resolved | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing | Document Uploaded. | 07/09/2025 | Borrower 1 Gap Credit Report is not missing.; credit refresh dated 6/3/2025 received for both borrowers. | 07/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of 34.28% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 14.58 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 761 is greater than Guideline minimum FICO of 740 A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| xxx | 92010185219 |  | xxx | xxx | 06/xx/2025 | $xxx | WA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/02/2025 | Resolved | FCRE5783 | Credit | Borrower 2 Gap Credit Report is Missing | Borrower 2 Gap Credit Report is Missing | Document Uploaded. | 07/09/2025 | Borrower 2 Gap Credit Report is not missing.; credit refresh dated 6/3/2025 received for both borrowers. | 07/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of 34.28% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 14.58 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 761 is greater than Guideline minimum FICO of 740 A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| xxx | 92010185219 |  | xxx | xxx | 06/xx/2025 | $xxx | WA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/02/2025 | Resolved | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. | Document Uploaded. | 07/09/2025 | Appraisal is Present or is Waived; Received the appraisal for the subject property. | 07/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of 34.28% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 14.58 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 761 is greater than Guideline minimum FICO of 740 A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| xxx | 92010185219 |  | xxx | xxx | 06/xx/2025 | $xxx | WA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/02/2025 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of 60.15% exceeds Guideline DTI of 50% B2 is 50% owner of xxx per CPA letter page 325. Lender used 100% ownership for B2's income calculation. | Document Uploaded. The SE income has been broken up and half given to each borrower. The updated 1008 and 1003 is attached. ; UPLOADED | 07/17/2025 | Audited DTI of 34.28% is less than or equal to Guideline DTI of 50%; Received updated 1008 approval and 1003 application reflecting $3,008.90 self-employment income from xxx for borrower 1 and borrower 2. DTI is within guidelines. <br> ; The lender has provided a CPA letter confirming B1 and B2 each own 50% of the business, xxx. The lender's income worksheet, 1008 and final 1003s for the borrowers shows B2 as 100% owner of the business and that they are not using any of the self employed income from xxx for B1's income qualification. Using only 50% of the income for B2 puts the auditor's DTI at 60.15% which exceed guidelines. Please provide updated documentation if you are going to use 50% of the business income for B1 to qualify as well. | 07/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of 34.28% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 14.58 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 761 is greater than Guideline minimum FICO of 740 A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| xxx | 92010185219 |  | xxx | xxx | 06/xx/2025 | $xxx | WA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/02/2025 | Resolved | FCRE7347 | Credit | Missing Lease Agreement | Missing Lease agreement, market rent 1007 and 2 months rental receipts for property located at: xxx. | Document Uploaded. The avg market rent has been verified and is also attached. ; Document Uploaded. | 07/17/2025 | Printout for rentometer for xxx verifies the average market rent.; Received the lease agreement and evidence of 2 months of rent payments for the investment property located at xxx. We are still missing the market rent statement to support the $2000/month in gross rental income. | 07/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of 34.28% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 14.58 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 761 is greater than Guideline minimum FICO of 740 A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| xxx | 92010185219 |  | xxx | xxx | 06/xx/2025 | $xxx | WA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 34.28% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 14.58 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 761 is greater than Guideline minimum FICO of 740 A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| xxx | 92010184771 |  | xxx | xxx | 06/xx/2025 | $xxx | FL | ATR/QM: Exempt | Loan Review Complete | 07/02/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The file does not contain a Verification of the businesses existence or a bank statement dated within 30 days of the note date. | Document Uploaded. | 07/09/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided; CPA letter provided dated 5/19 confirming business open and business tax preparer since 2022. This document is > 30 days old at the time of closing - per lender guidelines can use proof of business income deposits on the asset statements within 30 days of closing. The nature of this type of business, there would not be a company website/internet presence. | 07/12/2025 | Borrower has stable job time - Borrower has 6.36 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 785 is greater than Guideline minimum FICO of 760<br>Qualifying DTI below max allowed. - Calculated DTI of 6.8% is less than Guideline DTI of 50% A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| xxx | 92010184771 |  | xxx | xxx | 06/xx/2025 | $xxx | FL | ATR/QM: Exempt | Loan Review Complete | 07/02/2025 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $38109.12. The File does not contain statements for the xxx #xxx bank account and the Other- non liquid asset account with xxx used to qualify, | uploaded | 07/09/2025 | Audited Reserves of $65885.04 are equal to or greater than AUS Required Reserves of $38109.12.; 2 months of asset statements provided for the following accounts: xxx #xxx, xxx #xxx, xxx #xxx, xxx #xxx, in addition to coinbase statement from 5/31/2025 and evidence $25,000 earnest money deposit has cleared. | 07/12/2025 | Borrower has stable job time - Borrower has 6.36 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 785 is greater than Guideline minimum FICO of 760<br>Qualifying DTI below max allowed. - Calculated DTI of 6.8% is less than Guideline DTI of 50% A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| xxx | 92010184771 |  | xxx | xxx | 06/xx/2025 | $xxx | FL | ATR/QM: Exempt | Loan Review Complete | 07/02/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The file does not contain a copy of the required Secondary appraisal product. | Document Uploaded. | 07/09/2025 | Third party valuation product provided within tolerance.; Received the successful FNMA/FHLMC UCDPs for the subject property. | 07/12/2025 | Borrower has stable job time - Borrower has 6.36 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 785 is greater than Guideline minimum FICO of 760<br>Qualifying DTI below max allowed. - Calculated DTI of 6.8% is less than Guideline DTI of 50% A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| xxx | 92010184771 |  | xxx | xxx | 06/xx/2025 | $xxx | FL | ATR/QM: Exempt | Loan Review Complete | 07/02/2025 | Resolved | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing The file is missing the required Gap credit report dated within 30 days of the note date. | Document Uploaded. | 07/09/2025 | Borrower 1 Gap Credit Report is not missing.; Credit refresh dated 6/13/2025 provided for B1. | 07/12/2025 | Borrower has stable job time - Borrower has 6.36 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 785 is greater than Guideline minimum FICO of 760<br>Qualifying DTI below max allowed. - Calculated DTI of 6.8% is less than Guideline DTI of 50% A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| xxx | 92010184771 |  | xxx | xxx | 06/xx/2025 | $xxx | FL | ATR/QM: Exempt | Loan Review Complete | 07/02/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The file does not contain a verification of rent for the last 12 months for the borrowers primary residence located at xxx. | Document Uploaded. | 07/09/2025 | Housing History Meets Guideline Requirements; Verification of rent provided for xxx from 8/1/2023-5/20/2025. Per online search this is an apartment complex and signed by the leasing agent. | 07/12/2025 | Borrower has stable job time - Borrower has 6.36 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 785 is greater than Guideline minimum FICO of 760<br>Qualifying DTI below max allowed. - Calculated DTI of 6.8% is less than Guideline DTI of 50% A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| xxx | 92010184771 |  | xxx | xxx | 06/xx/2025 | $xxx | FL | ATR/QM: Exempt | Loan Review Complete | 07/02/2025 | Resolved | FCRE0382 | Credit | Assets do not meet guideline requirements | When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. The File does not contain statements for the xxx #xxx bank account and the Other- non liquid asset account with xxx used to qualify, | Document Uploaded. | 07/09/2025 | Funds are found to meet guidelines.; 2 months of asset statements provided for the following accounts: xxx #xxx, xxx #xxx, xxx #xxx, xxx #xxx, in addition to coinbase statement from 5/31/2025 and evidence $25,000 earnest money deposit has cleared. | 07/12/2025 | Borrower has stable job time - Borrower has 6.36 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 785 is greater than Guideline minimum FICO of 760<br>Qualifying DTI below max allowed. - Calculated DTI of 6.8% is less than Guideline DTI of 50% A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| xxx | 92010184771 |  | xxx | xxx | 06/xx/2025 | $xxx | FL | ATR/QM: Exempt | Loan Review Complete | 07/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 6.36 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 785 is greater than Guideline minimum FICO of 760<br>Qualifying DTI below max allowed. - Calculated DTI of 6.8% is less than Guideline DTI of 50% A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| xxx | 92300186597 |  | xxx | xxx | 06/xx/2025 | $xxx | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/07/2025 | Cured | finding-3634 | 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 $110.00.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). TILA 130 required: A refund in the amount of $85.00, cure package: PCCD with LOE, copy of refund and proof of delivery. The Appraisal fee increased on the LE issued 6/XX/2025 without a valid reason. | Document Uploaded. | 07/11/2025 | Cure package provided to the borrower; exception downgraded to a 2/B | 07/13/2025 | Qualifying DTI below max allowed. - Calculated DTI of 37.37% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 716 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 5.41 years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| xxx | 92300186597 |  | xxx | xxx | 06/xx/2025 | $xxx | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 37.37% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 716 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 5.41 years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| xxx | 92300186597 |  | xxx | xxx | 06/xx/2025 | $xxx | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 37.37% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 716 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 5.41 years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| xxx | 92010185865 |  | xxx | xxx | 07/xx/2025 | $xxx | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/07/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). | Document Uploaded. | 07/10/2025 | Evidence of appraisal delivery provided. | 07/16/2025 | Borrower has stable job time - Borrower has 26.15 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 6.94% is less than Guideline DTI of 50%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 80% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| xxx | 92010185865 |  | xxx | xxx | 07/xx/2025 | $xxx | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/07/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Provide eConsent dated on or before 05/XX/25. | Document Uploaded. | 07/10/2025 | Evidence of eConsent is provided. | 07/16/2025 | Borrower has stable job time - Borrower has 26.15 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 6.94% is less than Guideline DTI of 50%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 80% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| xxx | 92010185865 |  | xxx | xxx | 07/xx/2025 | $xxx | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/07/2025 | Resolved | FCOM5556 | Compliance | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). Missing Credit Score Disclosure (FACTA). | Document Uploaded. | 07/10/2025 | FACTA Credit Score Disclosure is provided. | 07/16/2025 | Borrower has stable job time - Borrower has 26.15 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 6.94% is less than Guideline DTI of 50%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 80% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| xxx | 92010185865 |  | xxx | xxx | 07/xx/2025 | $xxx | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/09/2025 | Resolved | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing Guidelines require a Gap Credit Report within 30 days of closing. Please provide Gap Credit Report. | Document Uploaded. | 07/10/2025 | Borrower 1 Gap Credit Report is not missing.; Gap credit report dated within 30 days of closing received. | 07/16/2025 | Borrower has stable job time - Borrower has 26.15 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 6.94% is less than Guideline DTI of 50%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 80% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| xxx | 92010185865 |  | xxx | xxx | 07/xx/2025 | $xxx | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/09/2025 | Resolved | FCRE0382 | Credit | Assets do not meet guideline requirements | When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. Missing proceeds from Sale of xxx. The file does not contain evidence of sale. | Document Uploaded. ; Document Uploaded. | 07/16/2025 | Funds are found to meet guidelines.; A final signed settlement statement from sale of property verifying proceeds of $508,682.55 was received. ; Received Seller's Settlement Statement, statement is not signed. Missing a final signed settlement statement. | 07/16/2025 | Borrower has stable job time - Borrower has 26.15 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 6.94% is less than Guideline DTI of 50%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 80% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| xxx | 92010185865 |  | xxx | xxx | 07/xx/2025 | $xxx | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/09/2025 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $28857.06. Audited Reserves of $0 are less than Guideline Required Reserves of $28857.06. | uploaded; Document Uploaded. | 07/16/2025 | Audited Reserves of $215611.39 are equal to or greater than AUS Required Reserves of $28857.06.; A final signed settlement statement from sale of property verifying proceeds of $xxx was received. ; Received updated bank statements and Seller's Settlement Statement from sale of xxx, statement is not signed. Missing a final signed settlement statement. Condition remains. | 07/16/2025 | Borrower has stable job time - Borrower has 26.15 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 6.94% is less than Guideline DTI of 50%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 80% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| xxx | 92010185865 |  | xxx | xxx | 07/xx/2025 | $xxx | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/09/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. All Interested Parties Not Checked with Exclusionary Lists. | uploaded | 07/10/2025 | All Interested Parties Checked against Exclusionary Lists; Fraud Report received. | 07/16/2025 | Borrower has stable job time - Borrower has 26.15 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 6.94% is less than Guideline DTI of 50%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 80% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| xxx | 92010185865 |  | xxx | xxx | 07/xx/2025 | $xxx | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/09/2025 | Resolved | FCRE1205 | Credit | OFAC Check Not Completed and/or Cleared | OFAC Check Not Completed and/or Cleared. | uploaded | 07/10/2025 | OFAC Check Completed and Cleared; Fraud Report received. | 07/16/2025 | Borrower has stable job time - Borrower has 26.15 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 6.94% is less than Guideline DTI of 50%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 80% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| xxx | 92010185865 |  | xxx | xxx | 07/xx/2025 | $xxx | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/09/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Please provide Third Party Report. | Document Uploaded. | 07/10/2025 | Third Party Fraud Report is provided; Fraud Report received. | 07/16/2025 | Borrower has stable job time - Borrower has 26.15 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 6.94% is less than Guideline DTI of 50%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 80% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| xxx | 92010185865 |  | xxx | xxx | 07/xx/2025 | $xxx | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/09/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of taxes, insurance and/or HOA fees for xxx. Please provide verification of taxes, insurance and/or HOA fees. | Document Uploaded. | 07/10/2025 | Verification of PITIA for xxx was received. | 07/15/2025 | Borrower has stable job time - Borrower has 26.15 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 6.94% is less than Guideline DTI of 50%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 80% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| xxx | 92010185865 |  | xxx | xxx | 07/xx/2025 | $xxx | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/07/2025 | Resolved | finding-3634 | 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 $1,319.86.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). TILA 130b Cure Required. Refund in the amount of $1,319.86; 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 $1,319.86 is due to increase from $560.00 to $629.99 for the Loan Discount fee, an increase from $xxx to $xxx for the Mortgage Broker fee, and an increase from $8,382.00 to $8,651.99 for the Transfer Taxes. | Document Uploaded. | 07/10/2025 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved; 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 $69.99.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). | 07/10/2025 | Borrower has stable job time - Borrower has 26.15 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 6.94% is less than Guideline DTI of 50%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 80% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| xxx | 92010185865 |  | xxx | xxx | 07/xx/2025 | $xxx | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 26.15 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 6.94% is less than Guideline DTI of 50%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 80% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| xxx | 92400182850 |  | xxx | xxx | 06/xx/2025 | $xxx | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/08/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The file does not contain verification of the existence of the business dated within 30 days of the note date. | Document Uploaded. | 07/14/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided; Verbal VOE and CPA letter provided. | 07/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 709 is greater than Guideline minimum FICO of 660<br>Qualifying DTI below max allowed. - Calculated DTI of 38.74% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 5.49 years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| xxx | 92400182850 |  | xxx | xxx | 06/xx/2025 | $xxx | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/08/2025 | Resolved | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing The file does not contain a GAP credit report dated within 30 days of the note date. | Document Uploaded. | 07/10/2025 | Borrower 1 Gap Credit Report is not missing.; Credit comparison report dated 6/11/2025 provided for the borrower. | 07/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 709 is greater than Guideline minimum FICO of 660<br>Qualifying DTI below max allowed. - Calculated DTI of 38.74% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 5.49 years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| xxx | 92400182850 |  | xxx | xxx | 06/xx/2025 | $xxx | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/08/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The file does not contain a Verification of rent verifying 0x30x12. | Document Uploaded. | 07/10/2025 | Housing History Meets Guideline Requirements | 07/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 709 is greater than Guideline minimum FICO of 660<br>Qualifying DTI below max allowed. - Calculated DTI of 38.74% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 5.49 years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| xxx | 92400182850 |  | xxx | xxx | 06/xx/2025 | $xxx | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/08/2025 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The file does not contain a Verification of rent verifying 0x30x12. | Document Uploaded. | 07/10/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Private party VOR and 6 months of bank statements provided to document the rental payment history at the subject property. Lease was in the file. | 07/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 709 is greater than Guideline minimum FICO of 660<br>Qualifying DTI below max allowed. - Calculated DTI of 38.74% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 5.49 years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| xxx | 92400182850 |  | xxx | xxx | 06/xx/2025 | $xxx | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/08/2025 | Resolved | FCRE1248 | Credit | Purchase is not considered to be an Arm's Length Transaction | Purchase is not considered to be an Arm's Length Transaction Per the Lease agreement and title commitment the property was purchased from their current landlord. | This is acceptable per guidelines, there is a bullet point addressing this. "Letter is not required when borrower is purchasing the property they have been residing in, i.e. leas purchase or tenant purchase situations." | 07/10/2025 | Purchase is considered to be an Arm's Length Transaction, or Not Applicable; Received lender's rebuttal - borrowers are renting the subject property, i.e. arms length transaction with the seller/landlord which is permitted per lender guidelines. | 07/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 709 is greater than Guideline minimum FICO of 660<br>Qualifying DTI below max allowed. - Calculated DTI of 38.74% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 5.49 years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| xxx | 92400182850 |  | xxx | xxx | 06/xx/2025 | $xxx | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/08/2025 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $15034.5. The file does not contain statements for the xxx Ending #xxx, or evidence of the clearance of the Deposit in the amount of $50,000.00, | Document Uploaded. | 07/10/2025 | Audited Reserves of $106312.79 are equal to or greater than AUS Required Reserves of $15034.5.; Received the xxx asset statement for #xxx and proof of $50,000 xxx receipt and clearance. | 07/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 709 is greater than Guideline minimum FICO of 660<br>Qualifying DTI below max allowed. - Calculated DTI of 38.74% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 5.49 years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| xxx | 92400182850 |  | xxx | xxx | 06/xx/2025 | $xxx | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/08/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report The file is missing a copy of the fraud report. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. | 07/18/2025 | Third Party Fraud Report is provided; Fraud Report received verifies the lender xxx was screened through any exclusionary list.; The lender, xxx has not been searched against the EPLS/OFAC. ; The fraud report has been received for the borrower. We are missing the following parties searched against OFAC and the Exclusionary Parties List: xxx, xxx, xxx and xxx. | 07/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 709 is greater than Guideline minimum FICO of 660<br>Qualifying DTI below max allowed. - Calculated DTI of 38.74% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 5.49 years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| xxx | 92400182850 |  | xxx | xxx | 06/xx/2025 | $xxx | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/09/2025 | Resolved | FCOM1266 | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing The loan file is missing the Housing Counselors list. Cure- Provide a signed copy of the Housing Counselors List date within 3 days of the initial application dated 04/XX/2025. | Document Uploaded. | 07/11/2025 | Homeownership Counseling Disclosure Is Present or Not Applicable | 07/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 709 is greater than Guideline minimum FICO of 660<br>Qualifying DTI below max allowed. - Calculated DTI of 38.74% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 5.49 years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| xxx | 92400182850 |  | xxx | xxx | 06/xx/2025 | $xxx | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/09/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Required Affiliated Business Disclosure is missing. Cure- Provide copy of signed disclosure. | Document Uploaded. | 07/11/2025 | Required Affiliated Business Disclosure Documentation Provided | 07/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 709 is greater than Guideline minimum FICO of 660<br>Qualifying DTI below max allowed. - Calculated DTI of 38.74% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 5.49 years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| xxx | 92400182850 |  | xxx | xxx | 06/xx/2025 | $xxx | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/09/2025 | Resolved | finding-3635 | 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% ($4,383.00) exceed the comparable charges ($3,411.00) 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). TILA 130b Cure Required. Refund in the amount of $630.90, 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 $630.90 is due to increase and addition of Fees. File is missing SSPL. | Document Uploaded. | 07/11/2025 | SSPL provided; Exception resolved; SSPL provided; Exception resolved | 07/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 709 is greater than Guideline minimum FICO of 660<br>Qualifying DTI below max allowed. - Calculated DTI of 38.74% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 5.49 years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| xxx | 92400182850 |  | xxx | xxx | 06/xx/2025 | $xxx | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 709 is greater than Guideline minimum FICO of 660<br>Qualifying DTI below max allowed. - Calculated DTI of 38.74% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 5.49 years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| xxx | 92400184104 |  | xxx | xxx | 07/xx/2025 | $xxx | NY | ATR/QM: Exempt | Loan Review Complete | 07/11/2025 | Resolved | FCRE1248 | Credit | Purchase is not considered to be an Arm's Length Transaction | Purchase is not considered to be an Arm's Length Transaction Subject is a FSBO "Investment" Purchase between Father (seller) and Son (borrower) which was disclosed by the appraiser and purchase contract | Document Uploaded. Confirmed to be non-arms length transaction . The Gift of equity letter confirms relationship and we have an exception to use gift of equity on a NOO property.<br> Non-arm's length transactions involve a direct relationship outside of the subject transaction between a borrower and a party to the loan.<br> Examples of non-arm's length transactions include, but are not limited to, the following:<br> • Family member sales<br> • Renters purchasing from current landlord.<br> • Buyer trading properties with the seller<br> • Property seller foreclosure bailouts<br> • Existing buyer relationship with loan officer, real estate agents, closing agent, appraiser, builder, or developer | 07/23/2025 | Purchase is considered to be an Arm's Length Transaction, or Not Applicable; Purchase is not considered to be an Arm's Length Transaction; Gift of equity, Exception and Final title received. Exception for using gift of equity for NOO Purchase. Comp factors: Fico above minimum by 20 points or higher, 5 years in current job. Approved | 07/25/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%<br>Qualifying DTI below max allowed. - Calculated DTI of 37.56% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 7.53 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 758 is greater than Guideline minimum FICO of 700 A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| xxx | 92400184104 |  | xxx | xxx | 07/xx/2025 | $xxx | NY | ATR/QM: Exempt | Loan Review Complete | 07/11/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product is missing | Document Uploaded. | 07/14/2025 | Third party valuation product provided within tolerance.; SSR Report with a CU score of 1.8 was received. | 07/25/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%<br>Qualifying DTI below max allowed. - Calculated DTI of 37.56% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 7.53 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 758 is greater than Guideline minimum FICO of 700 A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| xxx | 92400184104 |  | xxx | xxx | 07/xx/2025 | $xxx | NY | ATR/QM: Exempt | Loan Review Complete | 07/11/2025 | Resolved | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing Gap or undisclosed credit report within 30 days of closing is missing | Document Uploaded. | 07/14/2025 | Borrower 1 Gap Credit Report is not missing.; Credit refresh report dated within 30 days of closing was provided. | 07/25/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%<br>Qualifying DTI below max allowed. - Calculated DTI of 37.56% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 7.53 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 758 is greater than Guideline minimum FICO of 700 A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| xxx | 92400184104 |  | xxx | xxx | 07/xx/2025 | $xxx | NY | ATR/QM: Exempt | Loan Review Complete | 07/11/2025 | Resolved | FCRE3843 | Credit | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. Assets required to support closing costs and reserves are short: Funds to close short by $1,394.44 and reserves are short by $9,853.11. <br> Bank Statement in file from xxx xxx w/ balance of xxx / xxx w/ balance of $xxx, covering period 3/XX/25 - 3/XX/25 is 3 pages, pg 1 & 2 cover the period stated, pg 3 is from period 1/XX/25 - 1/XX/25, therefore "pg 3 for the correct period is required". Final 1003 reflects use of the same accounts xxx w/ balance of $xxx / xxxx $xxx. | Document Uploaded. May Account history shows a balance of $75833.33.We need total funds to close/reserves in the amount of $68,592.18. These are sufficient. ; Our UW team is working on page three but you should have enough as is. Total fund to close/reserves in the amount of $68,592.15 and verified assets are $76.794.97 | 07/23/2025 | The required number of months reserves are to be seasoned does meet Guideline requirement.; Received updated bank statement from xxx #xxx with a balance of $xxx. Assets are sufficient reserves. ; According to the asset statement total assets verified is $xxx per xxx statement dated 3/xx/2025 xxx w/ balance of $xxx and xxx w/ balance of $xxx . Total assets required for closing costs and reserves are $xxx, assets verified of $57,344.63 are insufficient for funds to close and reserves. Also missing page 3 of 3/31/2025 statement.  | 07/25/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%<br>Qualifying DTI below max allowed. - Calculated DTI of 37.56% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 7.53 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 758 is greater than Guideline minimum FICO of 700 A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| xxx | 92400184104 |  | xxx | xxx | 07/xx/2025 | $xxx | NY | ATR/QM: Exempt | Loan Review Complete | 07/11/2025 | Resolved | FCRE0382 | Credit | Assets do not meet guideline requirements | When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. Assets required to support closing costs and reserves are short: Funds to close short by $1,394.44 and reserves are short by $9,853.11. <br> Bank Statement in file from xxx xxx w/ balance of $xxx / xxx w/ balance of $xxx, covering period 3/XX/25 - 3/XX/25 is 3 pages, pg 1 & 2 cover the period stated, pg 3 is from period 1/XX/25 - 1/XX/25, therefore "pg 3 for the correct period is required". Final 1003 reflects use of the same accounts xxx w/ balance of $xxx / xxx $xxx. | Our UW team is working on page three but you should have enough as is. Total fund to close/reserves in the amount of $68,592.15 and verified assets are $76.794.97. | 07/18/2025 | Funds are found to meet guidelines.; Received updated bank statement from xxx #xxx with a balance of $xxx. Assets are sufficient reserves. ; According to the asset statement total assets verified is $xxx per xxx statement dated 3/xx/2025 x6228 w/ balance of $xxx and xxx w/ balance of $xxx . Total assets required for closing costs and reserves are $xxx, assets verified of $xxx are insufficient for funds to close and reserves. Also missing page 3 of 3/xx/2025 statement.  | 07/25/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%<br>Qualifying DTI below max allowed. - Calculated DTI of 37.56% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 7.53 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 758 is greater than Guideline minimum FICO of 700 A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| xxx | 92400184104 |  | xxx | xxx | 07/xx/2025 | $xxx | NY | ATR/QM: Exempt | Loan Review Complete | 07/11/2025 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $9853.11. Assets required to support closing costs and reserves are short: Funds to close short by $1,394.44 and reserves are short by $9,853.11. <br> Bank Statement in file from xxx xxx w/ balance of $xxx / xxx w/ balance of $xxx, covering period 3/XX/25 - 3/XX/25 is 3 pages, pg 1 & 2 cover the period stated, pg 3 is from period 1/XX/25 - 1/XX/25, therefore "pg 3 for the correct period is required". Final 1003 reflects use of the same accounts xxx w/ balance of $xxx / xxx $xxx. | Document Uploaded. ; Our UW team is working on page three but you should have enough as is. Total fund to close/reserves in the amount of $68,592.15 and verified assets are $76.794.97 | 07/23/2025 | Audited Reserves of $18050.9 are equal to or greater than AUS Required Reserves of $9853.11.; Received updated bank statement from xxx #xxx with a balance of $xxx. Assets are sufficient reserves. ; According to the asset statement total assets verified is $xxx per xxx statement dated 3/xx/2025 xxx w/ balance of $xxx and xxx w/ balance of $xxx . Total assets required for closing costs and reserves are $xxx, assets verified of $xxx are insufficient for funds to close and reserves. Also missing page 3 of 3/xxx/2025 statement.  | 07/25/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%<br>Qualifying DTI below max allowed. - Calculated DTI of 37.56% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 7.53 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 758 is greater than Guideline minimum FICO of 700 A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| xxx | 92400184104 |  | xxx | xxx | 07/xx/2025 | $xxx | NY | ATR/QM: Exempt | Loan Review Complete | 07/11/2025 | Resolved | FCRE9500 | Credit | Missing Letter of Explanation (Assets) | Signed Gift of Equity Letter containing Donor relationship to borrower and indicating the gift is being provided in the form of a gift of equity is missing | Document Uploaded. | 07/14/2025 | Signed Gift letter provided indicating gift of equity of $xxx to borrower. | 07/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%<br>Qualifying DTI below max allowed. - Calculated DTI of 37.56% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 7.53 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 758 is greater than Guideline minimum FICO of 700 A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| xxx | 92400184104 |  | xxx | xxx | 07/xx/2025 | $xxx | NY | ATR/QM: Exempt | Loan Review Complete | 07/11/2025 | Acknowledged | FCRE5778 | Credit | Borrower 1 Credit Report is Expired | Borrower 1 Credit Report is Expired (Greater than 120 days from the Closing Date). Credit report dated 2/XX/2025 is expired | Document Uploaded. Exception to use the expired Credit Report | 07/16/2025 | Received Approved Lender exception credit expired 5 days before close. Compensating factors; FICO above the minimum by 20 points or higher; 5 years in current job. | 07/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%<br>Qualifying DTI below max allowed. - Calculated DTI of 37.56% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 7.53 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 758 is greater than Guideline minimum FICO of 700 A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| xxx | 92400184104 |  | xxx | xxx | 07/xx/2025 | $xxx | NY | ATR/QM: Exempt | Loan Review Complete | 07/11/2025 | Acknowledged | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Gift of Equity on Investment purchase- Lender Exception: Using Gift of Equity on NOO Purchase; Comp Factors Include: FICO above the minimum by 20 points or higher; 5 years in current job | Document Uploaded. Updated Exception | 07/16/2025 | Received Approved Lender exception, using gift of equity on NOO purchase. Compensating factors; FICO above the minimum by 20 points or higher; 5 years in current job. | 07/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%<br>Qualifying DTI below max allowed. - Calculated DTI of 37.56% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 7.53 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 758 is greater than Guideline minimum FICO of 700 A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| xxx | 92400184104 |  | xxx | xxx | 07/xx/2025 | $xxx | NY | ATR/QM: Exempt | Loan Review Complete | 07/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%<br>Qualifying DTI below max allowed. - Calculated DTI of 37.56% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 7.53 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 758 is greater than Guideline minimum FICO of 700 A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| xxx | 92010186639 |  | xxx | xxx | 06/xx/2025 | $xxx | GA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/11/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Nothing in file to reflect the initial e-signature dated on or before 6/XX/2025. | Document Uploaded. | 07/16/2025 | Evidence of eConsent is provided. | 07/17/2025 | Borrower has stable job time - Borrower has 7.97 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 2.95% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 737 is greater than Guideline minimum FICO of 720<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 64.62% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.62% is less than Guideline CLTV of 80% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| xxx | 92010186639 |  | xxx | xxx | 06/xx/2025 | $xxx | GA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 7.97 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 2.95% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 737 is greater than Guideline minimum FICO of 720<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 64.62% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.62% is less than Guideline CLTV of 80% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| xxx | 92010186639 |  | xxx | xxx | 06/xx/2025 | $xxx | GA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 7.97 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 2.95% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 737 is greater than Guideline minimum FICO of 720<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 64.62% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.62% is less than Guideline CLTV of 80% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| xxx | 92010186273 |  | xxx | xxx | 07/xx/2025 | $xxx | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/11/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Nothing in file to reflect the initial e-signature dated on or before 6/XX/2025. | Document Uploaded. | 07/16/2025 | Evidence of eConsent is provided. | 07/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of 10.68% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 7.51 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 769 is greater than Guideline minimum FICO of 640 A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| xxx | 92010186273 |  | xxx | xxx | 07/xx/2025 | $xxx | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 10.68% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 7.51 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 769 is greater than Guideline minimum FICO of 640 A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| xxx | 92010186273 |  | xxx | xxx | 07/xx/2025 | $xxx | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 10.68% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 7.51 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 769 is greater than Guideline minimum FICO of 640 A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| xxx | 92400185487 |  | xxx | xxx | 07/xx/2025 | $xxx | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 22.51 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| xxx | 92400185487 |  | xxx | xxx | 07/xx/2025 | $xxx | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 22.51 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| xxx | 92400185429 |  | xxx | xxx | 6/xx/2025 | $xxx | NY | ATR/QM Exempt | Loan Review Complete | 06/19/2025 | Resolved | 9413079587 | Credit | Background Check Missing or Defective | Missing Background Report For Borrower: xxx | 06/20/2025 Fraud Report uploaded | 06/20/2025 | 20250620: Received trailing docs | 06/20/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 92400185429 |  | xxx | xxx | 6/xx/2025 | $xxx | NY | ATR/QM Exempt | Loan Review Complete | 06/19/2025 | Resolved | 9413122420 | Property | Appraisal Review - Missing | Missing Appraisal Review for subject property: xxx | 06/20/2025 Appraisal review uploaded | 06/20/2025 | 20250620: Received trailing docs | 06/20/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 92010186372 |  | xxx | xxx | 6/xx/2025 | $xxx | FL | ATR/QM Exempt | Loan Review Complete | 07/07/2025 | Resolved | 9533309874 | Credit | Background Check Missing or Defective | Missing Background Report for guarantor: xxx | 7.9.25: Fraud | 07/09/2025 | 20250710: Received trailing docs | 07/10/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 92300186468 |  | xxx | xxx | 6/xx/2025 | $xxx | NV | ATR/QM Exempt | Loan Review Complete | 07/07/2025 | Resolved | 92300186468-01 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 92010186372 |  | xxx | xxx | 6/xx/2025 | $xxx | FL | ATR/QM Exempt | Loan Review Complete | 07/07/2025 | Resolved | 9533366278 | Property | Hazard Insurance Missing or Defective | Missing Hazard Insurance for subject property located at: xxx | 7.9.25:Insurance | 07/09/2025 | 20250710: Received trailing docs | 07/10/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 92010186372 |  | xxx | xxx | 6/xx/2025 | $xxx | FL | ATR/QM Exempt | Loan Review Complete | 07/07/2025 | Resolved | 9533369486 | Credit | Asset Documentation Missing or Defective | Missing Asset Documentation | 7.9.25:Assets | 07/09/2025 | 20250710: Received trailing docs | 07/10/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 92300186230 |  | xxx | xxx | 6/xx/2025 | $xxx | FL | ATR/QM Exempt | Loan Review Complete | 07/08/2025 | Resolved | 92300186230-01 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 92300186608 |  | xxx | xxx | 7/xx/2025 | $xxx | AZ | ATR/QM Exempt | Loan Review Complete | 07/09/2025 | Resolved | 92300186608-01 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 92010187181 |  | xxx | xxx | 7/xx/2025 | $xxx | FL | ATR/QM Exempt | Loan Review Complete | 07/10/2025 | Resolved | 9563978385 | Credit | Background Check Missing or Defective | Missing Background Report for: xxx | xx: fraud | 07/14/2025 | xx: Received BG | 07/16/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 92010187181 |  | xxx | xxx | 7/xx/2025 | $xxx | FL | ATR/QM Exempt | Loan Review Complete | 07/10/2025 | Resolved | 9563980517 | Credit | Title Insurance Coverage - Inadequate Coverage | $xx Title Insurance coverage < $xxminimum coverage required | 20250718: Uploaded title | 07/18/2025 | 20250718: Received Title | 07/18/2025 | D A C | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 92010187181 |  | xxx | xxx | 7/xx/2025 | $xxx | FL | ATR/QM Exempt | Loan Review Complete | 07/10/2025 | Resolved | 9564047654 | Property | Hazard Insurance Missing or Defective | Missing Hazard Insurance for subject property : xxx | 20250714: insurance | 07/14/2025 | 20250716: Received insurance | 07/16/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 92010184304 |  | xxx | xxx | 7/xx/2025 | $xxx | NJ | ATR/QM Exempt | Loan Review Complete | 07/18/2025 | Resolved | 92010184304-01 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 92010184479 |  | xxx | xxx | 7/xx/2025 | $xxx | NY | ATR/QM Exempt | Loan Review Complete | 08/01/2025 | Resolved | 92010184479-01 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 92010174277 |  | xxx | xxx | 5/xx/2025 | $xxx | FL | ATR/QM Exempt | Loan Review Complete | 05/22/2025 | Resolved | 9214881988 | Credit | Background Check Missing or Defective | Missing Background Report | xx: FRAUD | 05/23/2025 | xx: Received | 05/28/2025 | D B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| xxx | 92010174277 |  | xxx | xxx | 5/xx/2025 | $xxx | FL | ATR/QM Exempt | Loan Review Complete | 05/22/2025 | Resolved | 9214949001 | Credit | Title Insurance Missing or Defective | Missing Title Insurance | xx: TITLE | 05/23/2025 | xx: Received | 05/28/2025 | D B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| xxx | 92010174277 |  | xxx | xxx | 5/xx/2025 | $xxx | FL | ATR/QM Exempt | Loan Review Complete | 05/22/2025 | Resolved | 9215384389 | Property | Appraisal Missing or Defective | Missing Appraisal | xx: APPRAISAL | 05/23/2025 | x: Received | 05/28/2025 | D B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| xxx | 92010174277 |  | xxx | xxx | 5/xx/2025 | $xxx | FL | ATR/QM Exempt | Loan Review Complete | 05/22/2025 | Acknowledged | 9215386359 | Property | Ineligible Property | Exception request: exception for rural property. Accepted |  |  |  |  | 6 months reserves greater than program requirement, Fico above the minimum by 20 points or higher, Max LTV 65%, Min DSCR to be 1%. Experienced investor. Comps are within 2m of subject and overall area is 85% built up. B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| xxx | 92010174277 |  | xxx | xxx | 5/xx/2025 | $xxx | FL | ATR/QM Exempt | Loan Review Complete | 05/22/2025 | Resolved | 9215548637 | Property | Hazard Insurance Missing or Defective | Missing hazard insurance | xx: INSURANCE | 05/23/2025 | xx: Received | 05/28/2025 | D B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| xxx | 92400184623 |  | xxx | xxx | 6/xx/2025 | $xxx | TX | ATR/QM Exempt | Loan Review Complete | 06/10/2025 | Resolved | 9344663210 | Credit | Background Check Missing or Defective | Missing Background Report for xxx | 6/12/2025 Fraud Report uploaded | 06/12/2025 | 20250612: Received | 06/12/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 92300186406 |  | xxx | xxx | 6/xx/2025 | $xxx | NY | ATR/QM Exempt | Loan Review Complete | 06/11/2025 | Resolved | 92300186406-01 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 92010185057 |  | xxx | xxx | 6/xx/2025 | $xxx | ID | ATR/QM Exempt | Loan Review Complete | 06/16/2025 | Resolved | 9384586091 | Credit | Background Check Missing or Defective | Missing Background Report for both borrowers. | xx: fraud | 06/18/2025 | xx: Received trailing docs | 06/18/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 92010185057 |  | xxx | xxx | 6/xx/2025 | $xxx | ID | ATR/QM Exempt | Loan Review Complete | 06/16/2025 | Resolved | 9384694822 | Credit | Asset Documentation Missing or Defective | Missing Asset Documentation | xx: asset statement | 06/18/2025 | xx: Received trailing docs | 06/18/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 92010185057 |  | xxx | xxx | 6/xx/2025 | $xxx | ID | ATR/QM Exempt | Loan Review Complete | 06/16/2025 | Resolved | 9384855668 | Property | Hazard Insurance Missing or Defective | Missing Hazard Insurance for subject property located at: xxx | xx: insurance | 06/18/2025 | xx: Received trailing docs | 06/18/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 92010185340 |  | xxx | xxx | 6/xx/2025 | $xxx | FL | ATR/QM Exempt | Loan Review Complete | 06/19/2025 | Resolved | 9414449603 | Credit | Entity Documentation - Missing or Defective | Missing Operating Agreement and Articles of Organization for Entity: xxx | xx: articles | 06/23/2025 | xx: Received trailing docs | 06/23/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 92010185340 |  | xxx | xxx | 6/xx/2025 | $xxx | FL | ATR/QM Exempt | Loan Review Complete | 06/19/2025 | Resolved | 9414480625 | Credit | Background Check Missing or Defective | Missing Background Report For: xxx | xx: fraud | 06/23/2025 | xx: Received trailing docs | 06/23/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 92010185340 |  | xxx | xxx | 6/xx/2025 | $xxx | FL | ATR/QM Exempt | Loan Review Complete | 06/19/2025 | Resolved | 9414537262 | Property | Hazard Insurance Missing or Defective | signed Gift of Equity Letter containing Donor relationship to borrower and indicating the gift is being provided in the form of a gift of equity is missing | xx: insurance | 06/23/2025 | xx: Received trailing docs | 06/23/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 92300186264 |  | xxx | xxx | 6/xx/2025 | $xxx | FL | ATR/QM Exempt | Loan Review Complete | 06/20/2025 | Resolved | 92300186264-01 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 92400185271 |  | xxx | xxx | 6/xx/2025 | $xxx | CT | ATR/QM Exempt | Loan Review Complete | 06/30/2025 | Resolved | 9484993628 | Credit | Background Check Missing or Defective | Missing Background Report For: xxx | xx: Fraud | 07/01/2025 | xx: Received Fraud | 07/01/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 92400185271 |  | xxx | xxx | 6/xx/2025 | $xxx | CT | ATR/QM Exempt | Loan Review Complete | 06/30/2025 | Resolved | 9485221854 | Property | Appraisal Review - Missing | Missing Appraisal Review for subject property: xxx | xx: Appraisal Review | 07/01/2025 | xx: Received appraisal review | 07/01/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 92010185532 |  | xxx | xxx | 6/xx/2025 | $xxx | CT | ATR/QM Exempt | Loan Review Complete | 07/02/2025 | Resolved | 9504873270 | Credit | Background Check Missing or Defective | Missing Background Report for: xxx | xx: Fraud | 07/03/2025 | xx: Received Fraud | 07/03/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 92010185532 |  | xxx | xxx | 6/xx/2025 | $xxx | CT | ATR/QM Exempt | Loan Review Complete | 07/02/2025 | Resolved | 9504874121 | Property | Subject Property Lease - Missing or Defective | Missing Lease Agreement for subject property located at: xxx | xx: LEASE | 07/03/2025 | xx: Received lease | 07/03/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 92010185532 |  | xxx | xxx | 6/xx/2025 | $xxx | CT | ATR/QM Exempt | Loan Review Complete | 07/02/2025 | Resolved | 9504875475 | Property | Hazard Insurance Missing or Defective | Missing Hazard Insurance for subject property located at: xxx | xx: Insurance | 07/03/2025 | xx: Received insurance | 07/03/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 2503150545 |  | xxx | xxx | 3/xx/2025 | $xxx | NV | ATR/QM Exempt | Loan Review Complete | 04/01/2025 | Resolved | 2503150545-1 | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 2503150254 |  | xxx | xxx | 3/xx/2025 | $xxx | CA | ATR/QM Exempt | Loan Review Complete | 04/03/2025 | Resolved | 2503150254-1 | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 3**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| ASF Loan Number | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| xxx | 2502149005 |  |  | 03-xx-2025 | xxx |  | 0 | xxx | 03-xx-2025 | 1004 URAR | xxx | 53.15 | 53.15 |  |  |  |  | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Reasonable | 03-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| xxx | 2503150280 |  |  | 03-xx-2025 | xxx | xxx | 0 | xxx | 03-xx-2025 | 1004 URAR | xxx | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| xxx | 6000054521 |  |  | 05-xx-2025 | xxx |  | 0 | xxx | 04-xx-2025 | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Reasonable | 04-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| xxx | 6000054512 |  |  | 05-xx-2025 | xxx | xxx | 0 | xxx | 04-xx-2025 | 1004 URAR | xxx | 85.0 | 85.0 | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | 04-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| xxx | 92300185552 |  |  | 05-xx-2025 | xxx | xxx | 0 | xxx | 02-xx-2025 | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 05-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| xxx | 92300186103 |  |  | 05-xx-2025 | xxx | xxx | 0 | xxx | 05-xx-2025 | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate | 05-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| xxx | 92300186217 |  |  | 12-xx-2024 | xxx | xxx | 0 | xxx | 10-xx-2024 | 1004 URAR | xxx | 65.0 | 65.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| xxx | 92300186411 |  |  | 06-xx-2025 | xxx |  | 0 | xxx | 04-xx-2025 | 1025 Small Residential Income Report | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 05-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| xxx | 92300186514 |  |  | 06-xx-2025 | xxx | xxx | 0 | xxx | 05-xx-2025 | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| xxx | 92010182523 |  |  | 06-xx-2025 | xxx | xxx | 0 | xxx | 02-xx-2025 | 1004 URAR | xxx | 54.58 | 54.58 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 05-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| xxx | 92300186688 |  |  | 06-xx-2025 | xxx | xxx | 0 | xxx | 06-xx-2025 | 1073 Individual Condo Report | xxx | 64.93 | 64.93 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| xxx | 92300186067 |  |  | 06-xx-2025 | xxx |  | 0 | xxx | 04-xx-2025 | 1004 URAR | xxx | 70.0 | 70.0 | xxx | xxx | -.1000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.1000 | xxx | High Risk | 04-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| xxx | 92010185097 |  |  | 06-xx-2025 | xxx |  | 0 | xxx | 04-xx-2025 | 1073 Individual Condo Report | xxx | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| xxx | 92010185074 |  |  | 06-xx-2025 | xxx |  | 0 | xxx | 05-xx-2025 | 1004 URAR | xxx | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| xxx | 92300186526 |  |  | 06-xx-2025 | xxx | xxx | 0 | xxx | 05-xx-2025 | 1025 Small Residential Income Report | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | 05-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| xxx | 92300186546 |  |  | 06-xx-2025 | xxx | xxx | 0 | xxx | 06-xx-2025 | 1073 Individual Condo Report | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  | xxx | 0 | .0000 | 06-xx-2025 | 1073 Individual Condo Report |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| xxx | 92400184631 |  |  | 06-xx-2025 | xxx | xxx | 0 | xxx | 05-xx-2025 | 1004 URAR | xxx | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| xxx | 92010186388 |  |  | 06-xx-2025 | xxx | xxx | 0 | xxx | 06-xx-2025 | 1004 URAR | xxx | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| xxx | 92010185219 |  |  | 06-xx-2025 | xxx |  | 0 | xxx | 05-xx-2025 | 1004 URAR | xxx | 77.5 | 77.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| xxx | 92010184771 |  |  | 06-xx-2025 | xxx | xxx | 0 | xxx | 05-xx-2025 | 1004 URAR | xxx | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| xxx | 92300186597 |  |  | 06-xx-2025 | xxx | xxx | 0 | xxx | 05-xx-2025 | 1004 URAR | xxx | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| xxx | 92010185865 |  |  | 07-xx-2025 | xxx | xxx | 0 | xxx | 06-xx-2025 | 1004 URAR | xxx | 60.0 | 60.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| xxx | 92400182850 |  |  | 06-xx-2025 | xxx | xxx | 0 | xxx | 04-xx-2025 | 1004 URAR | xxx | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| xxx | 92400184104 |  |  | 07-xx-2025 | xxx | xxx | 0 | xxx | 04-xx-2025 | 1004 URAR | xxx | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| xxx | 92010186639 |  |  | 06-xx-2025 | xxx |  | 0 | xxx | 06-xx-2025 | 1004 URAR | xxx | 64.62 | 64.62 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| xxx | 92010186273 |  |  | 07-xx-2025 | xxx |  | 0 | xxx | 06-xx-2025 | 1004 URAR | xxx | 72.99 | 72.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| xxx | 92400185487 |  |  | 07-xx-2025 | xxx |  | 0 | xxx | 12-xx-2024 | 1004 URAR | xxx | 63.69 | 63.69 |  |  |  |  |  |  |  |  | xxx | xxx | .0646 | 03-xx-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| xxx | 92400185429 |  |  | 6/xx/2025 | xxx |  | 0 | xxx | 5/xx/2025 | 1004 | xxx | 60.7 | 60.7 | xxx | 0 | .0000 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 6/xx/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| xxx | 92300186468 |  |  | 6/xx/2025 | xxx | xxx | 0 | xxx | 4/xx/2025 | 1004 | xxx | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/xx/2025 |  |  |  | Eligible | 1 |  |
| xxx | 92010186372 |  |  | 6/xx/2025 | xxx | xxx | 0 | xxx | 6/xx/2025 | 1004 | xxx | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| xxx | 92300186230 |  |  | 6/xx/2025 | xxx | xxx | 0 | xxx | 4/xx/2025 | 1073 | xxx | 35.7 | 35.7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| xxx | 92300186608 |  |  | 7/xx/2025 | xxx | xxx | 0 | xxx | 6/xx/2025 | 1004 | xxx | 55.9 | 55.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/xx/2025 |  |  |  | Eligible | 1 |  |
| xxx | 92010187181 |  |  | 7/xx/2025 | xxx | xxx | 0 | xxx | 6/xx/2025 | 1004 | xxx | 74.0 | 74.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| xxx | 92010184304 |  |  | 7/xx/2025 | xxx |  | 0 | xxx | 6/xx/2025 | 1025 | xxx | 31.7 | 31.7 | xxx | xxx | -4.7619 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -4.7619 | xxx | Moderate Risk | 6/xx/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| xxx | 92010184479 |  |  | 7/xx/2025 | xxx |  | 0 | xxx | 6/xx/2025 | 1073 | xxx | 27.6 | 27.6 | xxx | xxx | -4.278 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | -4.278 | 85.00 | 0.15 | xxx |  | 7/xx/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| xxx | 92010174277 |  |  | 5/xx/2025 | xxx |  | 0 | xxx | 12/xx/2024 | 1004 | xxx | 65.0 | 65.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/xx/2025 |  |  |  | Eligible | 1 |  |
| xxx | 92400184623 |  |  | 6/xx/2025 | xxx | xxx | 0 | xxx | 5/xx/2025 | 1025 | xxx | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | 5/xx/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| xxx | 92300186406 |  |  | 6/xx/2025 | xxx |  | 0 | xxx | 3/xx/2025 | 1004 | xxx | 20.0 | 20.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 5/xx/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/xx/2025 |  |  |  | Not Eligible |  |  |
| xxx | 92010185057 |  |  | 6/xx/2025 | xxx | xxx | 0 | xxx | 6/xx/2025 | 1004 | xxx | 40.9 | 40.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| xxx | 92010185340 |  |  | 6/xx/2025 | xxx | xxx | 0 | xxx | 6/xx/2025 | 1004 | xxx | 60.0 | 60.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 6/xx/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| xxx | 92300186264 |  |  | 6/xx/2025 | xxx | xxx | 0 | xxx | 5/xx/2025 | 1004 | xxx | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 6/xx/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| xxx | 92400185271 |  |  | 6/xx/2025 | xxx | xxx | 0 | xxx | 5/xx/2025 | 1004 | xxx | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| xxx | 92010185532 |  |  | 6/xx/2025 | xxx |  | 0 | xxx | 6/xx/2025 | 1004 | xxx | 58.0 | 58.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| xxx | 2503150545 |  |  | 3/xx/2025 | xxx | xxx | 0 | xxx | 3/xx/2025 | URAR Form 1004 Form 70 | xxx | 60.0 | 60.0 |  |  |  |  |  |  |  |  | xxx | xxx | 0.9615 | 3/xx/2025 | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| xxx | 2503150254 |  |  | 3/xx/2025 | xxx | xxx | 0 | xxx | 3/xx/2025 | Form 1025 | xxx | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 3/xx/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 4**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan ID** | **Seller Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| xxx | 2502149005 |  | Application Date | 03-xx-2025 | 02/xx/2025 | Per initial 1003. |
| xxx | 2502149005 |  | Qualifying Total Debt Income Ratio | 12.58 | 11.07 | Audit DTI higher due to borrower's income is lower and included chargeoff $16,734 in DTI. |
| xxx | 2503150280 |  | Number of Borrowers | 2 | 1 | Verified by the Note. |
| xxx | 2503150280 |  | Application Date | 03-xx-2025 | 03/xx/2025 | Verified by the initial 1003. |
| xxx | 2503150280 |  | Credit QM/ATR Designation | QM-ATR Exempt | General QM - Appendix Q | Verified by the guidelines. |
| xxx | 2503150280 |  | Closing/Settlement Date | 04-xx-2025 | 03/xx/2025 | Verified per final closing statement |
| xxx | 2503150280 |  | Qualifying Total Debt Income Ratio | 48.69 | 49.19 | Verified by the calculations. |
| xxx | 6000054521 |  | Borrower 1 Citizen | Permanent Resident Alien | US Citizen | Citizenship verified via docs. |
| xxx | 6000054521 |  | Originator Doc Type | Debt Service Coverage Ratio | Other | Doc type selected from drop down. |
| xxx | 6000054521 |  | Qualifying Total Reserves Number of Months | 77.19 | 78.00 | Reserves verified. |
| xxx | 6000054521 |  | Total Qualified Assets Available | 119351.45 | 657351.45 | Assets verified via asset docs provided. |
| xxx | 6000054521 |  | Total Liquid Assets Available For Close | 9771.33 | 119351.45 | Assets verified via asset docs provided. |
| xxx | 6000054521 |  | Qualifying Total Monthly Liabilities | 1105 | 3701.67 | Liabilities verified. |
| xxx | 6000054512 |  | Originator Doc Type | 12 Month Bank Statement | ALT DOC | Loan was approved with 12 months bank statements |
| xxx | 6000054512 |  | Total Liquid Assets Available For Close | 102984.2 | 120984.20 | Audit data is based on asset statements in file. |
| xxx | 6000054512 |  | Total Qualified Assets Available | 102984.2 | 127984.20 | Audit data is based on asset statements in file. |
| xxx | 6000054512 |  | Qualifying Total Reserves Number of Months | 3.88 | 12.00 | Audit data is based on asset statements in file. |
| xxx | 6000054512 |  | Qualifying Total Monthly Liabilities | 5653.69 | 5079.69 | The lender did not include a $574 auto loan payment. The borrower's personal bank statements showed this payment was deducted from her account. No evidence this debt was paid off in full. |
| xxx | 6000054512 |  | Borrower Appraisal Receipt Date | 04-xx-2025 | 04/xx/2025 | \*\* compliance team to review |
| xxx | 92300185552 |  | Property Value | xxx | xxx | Using Purchase price as property value since it is lower than the appraised value |
| xxx | 92300185552 |  | Qualifying Total Reserves Number of Months | 4.05 | 0.00 | Per assets |
| xxx | 92300185552 |  | Qualifying All Borrower Residual Income | xxx | xxx | Per monthly income less all debts |
| xxx | 92300186103 |  | Property Value | xxx | xxx | Per appraisal value |
| xxx | 92300186103 |  | Application Date | 05-xx-2025 | 05/xx/2025 | Per application date 5/xx/2025 |
| xxx | 92300186103 |  | Qualifying Total Reserves Number of Months | 113.69 | 0.00 | Per assets and loan amount reserves required is 6 months |
| xxx | 92300186103 |  | Qualifying All Borrower Residual Income | xxx | xxx | .Per residual income $xxx |
| xxx | 92300186217 |  | Property Value | xxx | xxx | per GL |
| xxx | 92300186217 |  | Qualifying Total Reserves Number of Months | 4.34 | 0.00 | per GL |
| xxx | 92300186217 |  | Qualifying All Borrower Residual Income | xxx | xxx | per residual income |
| xxx | 92300186411 |  | MIN No | xxx | xxx | Per Mortgage |
| xxx | 92300186411 |  | Qualifying Total Reserves Number of Months | 9.28 | 0.00 | Per Cash Out on Final CD |
| xxx | 92300186411 |  | Qualifying All Borrower Residual Income | xxx | xxx | Per total qualifying Income of $xxx and total qualifying debt of $xxx totals $xxx |
| xxx | 92300186514 |  | MIN No | xxx | xxx | Verified to Mortgage |
| xxx | 92300186514 |  | Property Value | xxx | xxx | Verified to appraised value vs purchase price |
| xxx | 92300186514 |  | Qualifying Total Reserves Number of Months | 67.87 | 0.00 | Verified to assets |
| xxx | 92300186514 |  | Qualifying All Borrower Residual Income | xxx | xxx | Based on income and total debts |
| xxx | 92010182523 |  | Property Value | xxx | xxx | Confirmed with Appraisal Report. |
| xxx | 92010182523 |  | Qualifying Total Reserves Number of Months | 51.6 | 29.01 | Confirmed with Asset documents provided. Missing Asset documents. |
| xxx | 92010182523 |  | Qualifying All Borrower Residual Income | xxx | xxx | Confirmed with bank statements provided for income verification and Credit Report. Missing REO documentation for Taxes, Insurance and/or HOA fees. |
| xxx | 92300186688 |  | Property Value | xxx | xxx | Verified to appraised value vs purchase price |
| xxx | 92300186688 |  | Application Date | 04-xx-2025 | 04/xx/2025 | Verified to LO signature initial 1003 |
| xxx | 92300186688 |  | Verified Doc Type | Retirement Income Doc Verified | 2YR Full Doc | Verified to income documents |
| xxx | 92300186688 |  | Qualifying CLTV | 64.93 | 64.45 | Verified to Loan Approval |
| xxx | 92300186688 |  | Qualifying LTV | 64.93 | 64.45 | Verified to Loan Approval |
| xxx | 92300186688 |  | Qualifying Total Reserves Number of Months | 323.18 | 0.00 | Verified to assets |
| xxx | 92300186688 |  | Qualifying All Borrower Residual Income | xxx | xxx | Based on verified income and total debts |
| xxx | 92300186067 |  | MIN No | xxx | xxx | Verified to Mortgage |
| xxx | 92300186067 |  | Qualifying Total Reserves Number of Months | 31.52 | 0.00 | Verified to assets |
| xxx | 92300186067 |  | Qualifying All Borrower Residual Income | xxx | xxx | Based on verified income and total debts |
| xxx | 92010185097 |  | Qualifying Total Reserves Number of Months | 5.29 | 6.03 | Verified to cash out |
| xxx | 92010185097 |  | Qualifying All Borrower Residual Income | xxx | xxx | Based on verified income and total debts |
| xxx | 92010185074 |  | Qualifying Total Reserves Number of Months | 35.87 | 31.88 | Verified to cash out |
| xxx | 92010185074 |  | Qualifying All Borrower Residual Income | xxx | xxx | Based on verified income and total debts |
| xxx | 92300186526 |  | Qualifying Total Reserves Number of Months | 6.69 | 0.00 | Assets |
| xxx | 92300186526 |  | Qualifying All Borrower Residual Income | xxx | xxx | Income and Liabilities |
| xxx | 92300186546 |  | MIN No | xxx | xxx | Verified to Deed |
| xxx | 92300186546 |  | Application Date | 05-xx-2025 | 05/xx/2025 | Verified to LO signature initial 1003 |
| xxx | 92300186546 |  | Qualifying Total Reserves Number of Months | 88.94 | 0.00 | Verified to assets |
| xxx | 92300186546 |  | Qualifying All Borrower Residual Income | xxx | xxx | Based on verified income and total debts |
| xxx | 92400184631 |  | Application Date | 04-xx-2025 | 04/xx/2025 | Per Initial 1003. |
| xxx | 92400184631 |  | Qualifying Total Reserves Number of Months | 2.72 | 7.28 | 3 months reserves are required per NQMF guidelines. |
| xxx | 92400184631 |  | Qualifying All Borrower Residual Income | xxx | xxx | $1,500 Residual income is required per NQMF guidelines. |
| xxx | 92010186388 |  | Qualifying Total Reserves Number of Months | 8.18 | 7.87 | Verified to assets |
| xxx | 92010186388 |  | Qualifying All Borrower Residual Income | xxx | xxx | Based on verified income and total debts |
| xxx | 92010185219 |  | Qualifying Total Reserves Number of Months | 9.09 | 10.05 | 3 months reserves are required per NQMF Matrix dated 1.30.25 |
| xxx | 92010185219 |  | Qualifying All Borrower Residual Income | xxx | xxx | No residual income required when DTI is<43% and not a HPML loan. |
| xxx | 92010184771 |  | Qualifying Total Reserves Number of Months | 10.37 | -1.75 | Assets |
| xxx | 92010184771 |  | Qualifying All Borrower Residual Income | xxx | xxx | Income and liabilities |
| xxx | 92300186597 |  | MIN No | xxx | xxx | Security Instrument |
| xxx | 92300186597 |  | Property Value | xxx | xxx | Appraisal |
| xxx | 92300186597 |  | Application Date | 05-xx-2025 | 05/xx/2025 | Initial 1003 |
| xxx | 92300186597 |  | Qualifying Total Reserves Number of Months | 142.41 | 0.00 | Assets |
| xxx | 92300186597 |  | Qualifying All Borrower Residual Income | xxx | xxx | Income and Liabilities |
| xxx | 92010185865 |  | Property Value | xxx | xxx | Confirmed with Appraisal Report. |
| xxx | 92010185865 |  | Qualifying Total Reserves Number of Months | 44.83 | 45.99 | Missing evidence of proceed from the sale of xxx |
| xxx | 92010185865 |  | Qualifying All Borrower Residual Income | xxx | xxx | Confirmed with bank statements provided for income verification and Credit Report. |
| xxx | 92400182850 |  | MIN No | xxx | xxx | Per the Security Instrument |
| xxx | 92400182850 |  | Property Value | xxx | xxx | Per the appraisal |
| xxx | 92400182850 |  | ULI | xxx | xxx | Per the final 1003 |
| xxx | 92400182850 |  | Application Date | 04-xx-2025 | 04/xx/2025 | Initial 1003. |
| xxx | 92400182850 |  | Verified Doc Type | 2YR Business P&L | 24 Month Bank Statement | Per the approval |
| xxx | 92400182850 |  | Qualifying Total Reserves Number of Months | 21.21 | 16.33 | Per the provided assets |
| xxx | 92400182850 |  | Qualifying All Borrower Residual Income | xxx | xxx | Income and Liabilities |
| xxx | 92400184104 |  | MIN No | xxx | xxx | Verified to mortgage |
| xxx | 92400184104 |  | Application Date | 04-xx-2025 | 02/xx/2025 | Verified to LO signature initial 1003 |
| xxx | 92400184104 |  | Qualifying Total Reserves Number of Months | 5.5 | 6.03 | Verified to assets |
| xxx | 92400184104 |  | Qualifying All Borrower Residual Income | xxx | xxx | Based on verified income and total debts |
| xxx | 92010186639 |  | Qualifying Total Reserves Number of Months | 56.15 | 53.63 | Per assets |
| xxx | 92010186639 |  | Qualifying All Borrower Residual Income | xxx | xxx | Per income less all debts |
| xxx | 92010186273 |  | Qualifying All Borrower Residual Income | xxx | xxx | Income and liabilities |
| xxx | 92400185487 |  | ULI | xxx | xxx | Per final 1003 |
| xxx | 92400185487 |  | Qualifying Total Reserves Number of Months | 25.58 | 93.52 | Per assets in file and cash out |
| xxx | 92400185487 |  | Qualifying All Borrower Residual Income | xxx | xxx | Income less expenses |
| xxx | 92300186468 |  | Mo Pymt (P&I) | xxx | xxx | P&I is $xxx per note |
| xxx | 92300186468 |  | T & I Payment | $328.68 | $332.00 | $136.60 taxes + $145.00 HOA + $47.08 insurance = $328.68 TIA |
| xxx | 92300186608 |  | T & I Payment | $360.63 | $229.00 | $228.13 taxes + $90.00 HOA + $44.50 insurance = $360.63 TIA |
| xxx | 92010184479 |  | Escrows | 0-No Escrows | 4-Taxes and Insurance | No Escrows |
| xxx | 92300186406 |  | DSCR | 1.66 | 1.62 | $3,500 gross rents / $2,104.94 PITIA = 1.66 DSCR |
| xxx | 92300186406 |  | Mo Pymt (P&I) | xxx | xxx | P&I is $xxx per note |
| xxx | 92300186406 |  | T & I Payment | 784.29 | 828.00 | $593.39 taxes + $246.06 insurance = $784.29 TIA |
| xxx | 92010185340 |  | DSCR | 1.42 | 1.36 | missing insurance |
| xxx | 92010185340 |  | T & I Payment | 409.10 | 476.00 | missing insurance |
| xxx | 92300186264 |  | DSCR | 1.21 | 1.25 | $1,900 gross rents / $1,570.71 PITIA = 1.21 DSCR |
| xxx | 92300186264 |  | T & I Payment | 419.65 | 368.00 | $210.90 taxes + $208.75 insurance = $419.65 TIA |

---

## Exhibit 99.6

**Exhibit 99.6**

![](ex99-6_001.jpg)

NRMLT 2025-NQM6

Rithm Capital Corp.

## Opus Capital Markets Consultants, LLC
300 Tri-State International – Suite 320 \| Lincolnshire, IL 60069 \| <u>www.opuscmc.com</u> \| 224.632.1300

**Executive Narrative**

**November 13, 2025**

**Performed by** 

**Opus Capital Markets Consultants, LLC**

**For** 

**Rithm Capital Corp.**

The report summarizes the results of a due diligence review performed on a pool of 143 loans provided by Rithm Capital Corp. ("Customer") who provided Opus Capital Markets Consultants, LLC ("Consultant") with a data tape, from which 100% of the loan sample was chosen and loaded into the LauraMac underwriting software. Consultant performed a detailed credit and compliance review of all loans.

As detailed herein, the pool contains eighty-eight (88) Non-QM loans and fifty-five (55) ATR/QM Exempt loans, of which forty-two (42) are DSCR loans and thirteen (13) are Business Purpose loans. All loans were re-underwritten in accordance with the lender guidelines in terms of Exhibit A

<u>EXHIBIT A</u>

**Credit Review**

**Credit Qualification**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;b) **Employment:** Review the file documentation for minimum required level of employment, income and asset verifications pursuant
to Client provided underwriting guidelines.

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

&nbsp;&nbsp;&nbsp;&nbsp;d) **Assets:** Confirm the presence of adequate asset documentation to comply with the Client provided underwriting guideline requirements
for closing funds, reserves and borrower liquidity.

&nbsp;&nbsp;&nbsp;&nbsp;e) **Debt Ratio:** Recalculate the debt-to-income ratio and verify the ratio accuracy used by the loan underwriter at origination
to determine compliance with Client provided underwriting guidelines and regulatory requirements.

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

&nbsp;&nbsp;&nbsp;&nbsp;g) **Loan-to-Value Ratio:** Recalculate and verify the loan-to-value ratio and combined loan-to-value ratio were accurate at origination
and meet Client provided underwriting guideline and regulatory requirements.

&nbsp;&nbsp;&nbsp;&nbsp;h) **Credit History:** Review the credit report to verify that the borrower(s) demonstrate adequate credit depth to comply with the
Client provided underwriting guideline requirements.

&nbsp;&nbsp;&nbsp;&nbsp;i) **Credit Scores**: Verify that borrower(s) meet minimum credit score requirements of the Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;j) **Compensating Factors:** Verify exceptions to the Client provided underwriting guidelines are documented and reasonable.

**Document Review**

**Document Review**

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

**a) Collateral Docs**

&nbsp;&nbsp;&nbsp;&nbsp;· Title Commitment / Policy: Verify the presence of the title commitment or
final title policy. Confirm vested parties and the description of the property, liens and tax assessments.

&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage Note / Security Instrument: Verify the presence of the mortgage
note or security instrument. Confirm that the document has been executed by all borrowers and that all riders, addendums and endorsement
are present and duly executed.

&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage / Deed of Trust: Verify the presence of a copy Mortgage or Deed
of Trust. Confirm that the documents have been executed by all required parties and that all riders, addendums and exhibits are present
and duly executed. If the loan closed within 12 months of the review, Consultant will confirm the presence of a letter from the title
company specifying the date the Mortgage / Deed Trust was sent for recording. If the closing did not occur within 12 months of the review
and a copy of the recorded Mortgage /Deed of Trust is not contained in the loan file, the Client will submit a report from an independent
document custodian verifying the presence of a recoded mortgage or a stamped / signed copy of the document stating the date the document
was sent for recording.

&nbsp;&nbsp;&nbsp;&nbsp;· Conveyance
Deed: Verify as applicable that a proper conveyance deed is present in the loan file. Confirm the proper transfer of ownership interest
of the subject parties is detailed on the deed.<br>

**b) Closing Docs**

&nbsp;&nbsp;&nbsp;&nbsp;· Final Hud-1 Settlement Statement: If required, verify the presence of a
final HUD-1. Verify the completeness of required data and signatures or certification depending upon state compliance requirements.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Notice of Right to Cancel: If required based on the specifics of the loan
transaction, confirm the presence and required execution of the Notice of Right to Cancel.

&nbsp;&nbsp;&nbsp;&nbsp;· Loan Estimate: If required verify the presence of the current Loan Estimate
(LE) at the time of origination

&nbsp;&nbsp;&nbsp;&nbsp;· Closing
Disclosure: If required verify the presence of the current Closing Disclosure (CD) at the time of origination.<br>

**c) Credit Docs**

<br> &nbsp;&nbsp;&nbsp;&nbsp;· Loan Application: Verify the presence and completeness of both the initial
and final loan applications.

&nbsp;&nbsp;&nbsp;&nbsp;· Underwriting Worksheet: Verify the presence of the relative underwriting
worksheet i.e. form 1008, FHA MCAW and VA's Loan Analysis.

&nbsp;&nbsp;&nbsp;&nbsp;· Credit Report: Verify the presence of a credit report for each borrower.
Confirm that the credit report was pulled within the timing requirements allowable per the Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· Housing Payment History: In the absence of housing payment histories on
the borrower(s) credit report(s), verify that that the file contains a verification of rent or a verification of mortgage form.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Income Documentation: Verify the presence of income and employment related
documentation required by the Client provided underwriting guidelines for all borrowing parties contributing income to the debt ratio
calculation.

&nbsp;&nbsp;&nbsp;&nbsp;· Asset Documentation: Verify the presence of asset documentation required
by the Client provided underwriting guidelines in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;· Property Valuation Tools: Verify that each loan file contains adequate appraisal
and other third party valuation tools to satisfy the minimum required documentation under the relative Client provided underwriting guidelines.

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

**Regulatory Compliance**

For each Mortgage Loan, Consultant shall determine, to the extent possible and subject to caveats below, whether such Mortgage Loan at the time of origination complied with:

1. The
 "material" <sup>1</sup> disclosure
 requirements of the federal Truth-in-Lending Act ("TILA"), as amended by the
 Home Ownership and Equity Protection Act ("HOEPA") and Dodd-Frank, 15 U.S.C.
 § 1601 *et seq.* and implemented by Regulation Z, 12 C.F.R. Part 1026, including
 the material provisions relating to Higher-Priced Mortgage Loans in Regulation Z, 12 C.F.R.
 §§ 1026.35, and the early TIL disclosure provisions of the Mortgage Disclosure
 Improvement Act ("MDIA"), as implemented by Regulation Z, 12 C.F.R. §§
 1026.17 et seq; and as amended by the TILA-RESPA Integrated Disclosure ("TRID")
 Rule, TRID will be reviewed in accordance with the SFA TRID Grid 4.0, as amended from time
 to time, as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. For Right of Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A review of the Notice of Right to Cancel, including a verification of the
transaction date and expiration date, ensuring proper execution of the Notice of Right to Cancel by all required parties, verifying the
disbursement date and determining if a full three (3) day rescission period was adequately provided to the borrower(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. This review is also to be performed on transactions that are exempt from
the rescission requirement but on which a Notice of Right to Cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. A condition must be placed if the transaction is a refinance by the original
creditor and the borrower was provided the Form H-8 rescission notice. Consultant will note in the condition whether there was a new advance
that is subject to rescission per TILA/Regulation Z.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For TILs (Application Dates prior to 10/3/2015)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm the initial TIL disclosure and final TIL disclosures were provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review and compare the initial and final TIL, and any re-disclosed TIL(s),
with a report outlining any TILA violations, including a recalculation of disclosed finance charge, proper execution by all required parties,
principal and interest calculations, proper completion of the interest rate and payment summary, recalculation of disclosed APR, and a
review to determine disclosure differences were within the allowed tolerances and disclosures were provided within the required timeframes;

<sup>1</sup> These "material" disclosures include the required disclosures of the APR, the finance charge, the amount financed, the total number of payments, the payment schedule, *and* if the loan is subject to the Homeownership and Equity Protection Act ("HOEPA"), the disclosure requirements and prohibitions of that statute which are set forth in 12 C.F.R. §§ 1026.32(c) and (d).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For TRID Disclosures (Application Dates on or after 10/3/2015)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm the initial Loan Estimate (LE) was delivered within three (3) business
days of application and seven (7) business days prior to consummation in accordance with Client's Underwriting Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review the required sections of each LE to ensure they were
populated in accordance with the TRID Rules. (If the file reflects more than one LE was provided, each revised LE must have corresponding
Change of Circumstance documentation. The 0% and 10% fee tolerance evaluations will be based on the fee amounts disclosed on the
initial LE and any valid changes documented and disclosed after the initial LE;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm the Closing Disclosure (CD) confirm the borrower received
the initial CD at least three (3) business days prior to consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Review the required sections of each CD to ensure they were populated in
accordance with the TRID Rules. (Any fee tolerance issues to be cured at closing or within 60 days of loan consummation.)

2. Section 4 of the Real Estate Settlement Procedures Act
("RESPA"), 12 U.S.C. §2603 and 2604, as implemented by Regulation X, 12 C.F.R. Part 1024, and as amended by the TRID
Rule; TRID will be reviewed in accordance with the SFA TRID Grid 4.0, as amended from time to time.

3. The disclosure requirements and prohibitions of Section
50(a)(6), Article XVI of the Texas Constitution;

4. Confirmation that one of the following are in the loan
file, per the Fair Credit Reporting Act: Consumer Credit Score Disclosure, Your Credit Score and the Price You Pay for Credit, or Notice
to Home Loan Applicant;

5. Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform
and Consumer Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43: the general Ability
to Repay underwriting standards (12 C.F.R. 1026.43(c)); refinancing of non-standard mortgages (12 C.F.R. 1026.43(d)); Qualified Mortgages
(12 C.F.R. 1026.43(e) (including qualified mortgages as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and
203 et seq.) and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.; and Balloon-payment qualified mortgages made by certain
creditors (12 C.F.R. 1026.43(f)) In accordance with "Ability to Repay and Qualified Mortgage Review" description below;

6. The Loan Originator Compensation and Prohibitions on Steering
provisions of TILA, as implemented by Regulation Z, 12 C.F.R 1026.36;

7. The requirements for Higher-Price Mortgage Loans, as implemented
by Regulation Z, 12 C.F.R. 1026.35;

8. The appraisal and valuation requirements of TILA and the
Equal Credit Opportunity Act, as implemented by Regulation Z, 12 C.F.R. 1026.35 and Regulation B, 12 C.F.R. 1002.14, respectively;

9. The counseling requirements of TILA, as implemented by
Regulation Z, 12 C.F.R. 1026.36(k) and RESPA, as implemented by Regulation X, 12 C.F.R. 1024.20;

10. The escrow requirements of TILA and RESPA, as implemented
by Regulation Z, 12 C.F.R 1026.35, and Regulation X, 12 C.F.R 1024.17, respectively;

11. The disclosure requirements and prohibitions of any applicable
state, county and municipal laws and ordinances, as amended, that have been enacted to regulate so-called "predatory lending":

12. Consultant shall confirm that any mortgage property located
in an area identified on a flood hazard map or flood insurance rate map issued by the Federal Emergency Management Agency as having special
flood hazards is subject to a qualified flood insurance policy that appears to be is in effect.

13. For any loans designated as TILA exemption, Consultant
shall review the loan file for evidence that the primary purpose of the loan was for commercial or business purposes, including, but not
limited to a business purpose certification.

14. Documentation. Review of the following documents for regulatory
compliance:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Final HUD-1 Settlement Statement ("HUD-1"),
if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If the loan is in an escrow state, the HUD-1 will be considered
final as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. HUD-1 is marked Final;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If HUD-1 is not marked Final, it must be stamped certified
by the closing agent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. There should be no markings indicating that the HUD-1 is
estimated.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. HUD-1 is signed by all parties (including closing agent)
or stamped certified by the closing agent; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. If HUD-1 is stamped, the HUD-1 / stamp should be signed
or initialed by the closing agent; if the stamp does not contain the signature or initials, it must identify the name of the closing agent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Final Truth in Lending Disclosure ("TIL"),
if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Loan Estimate, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The Loan Estimate in will be considered delivered based
on the date issued, subject to the three-day mailing rule unless the file contains documentation indicating earlier receipt. The loan
file may contain one or more Loan Estimates with the latest one provided up until three business days prior to the issuance of an initial
Closing Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Closing Disclosure, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The Closing Disclosure in the loan file will be considered
delivered based on the date issued, subject to the three-day mailing rule unless the file contains documentation indicating earlier receipt.
The loan file may contain one or more Closing Disclosures with the latest one provided up until the consummation date being considered
the Final with any delivered post consummation considered as a corrected Closing Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Notice of Right to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Initial TIL, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Good Faith Estimate ("GFE"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Note

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Mortgage/Deed of Trust

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. FACTA disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Third Party Fees

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Third party fees on the HUD-1 or Closing Disclosure if
applicable referred to as HUD-1/Closing Disclosure, must be shown as paid to the third-party provider. A condition must be set if a third-party
fee is paid to the lender, investor, etc. or the payee is blank.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. CONSULTANT will condition for evidence in the file indicating
that a charge on the HUD-1/Closing Disclosure exceeds the actual cost to the borrower (i.e. cost printed / stamped on the face of the
document showing an amount less than the charge on the HUD-1/Closing Disclosure). Variations of less than $1 are deemed to be within reasonable
limits and are not to be reported.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Any refunds that are provided to the borrower must be accompanied
by a revised HUD-1/Closing Disclosure to show the final, accurate charges to the borrower.

Each loan reviewed will be assigned a Compliance condition grade in accordance with the Rating Agency Criteria as more fully described in Section 2(f).

Consultant will not make a determination as to whether the loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consultant are dependent upon its receipt of complete and accurate data regarding the loans from loan originators and other third parties upon which Consultant is relying in reaching such findings.

**<u>Ability to Repay and Qualified Mortgage Review</u>**

1.  **<u>For Agency Eligible Loans Only</u>** : Consultant
reviews applicable loans for compliance with the Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R. 1026.43
et seq.) based upon the loan's designation (Safe Harbor QM, Rebuttable Presumption QM, Exempt). Consultant determines the loan's
status under the QM rule requirements and assigns a due diligence loan designation. Consultant notes as a material exception if the due
diligence findings do not confirm the same loan designation. Additionally, Consultant notes if a loan designation was not provided. Consultant
will verify if each loan meets the requirements for a QM under § 1026.43(e)(2)—whether the loan is a safe harbor QM under §
1026.43(e)(1)(i) or a rebuttable presumption QM under § 1026.43(e)(1)(ii). Consultant will verify the presence of documentation for
lender determination of QM and indicating factors in its ability-to-repay determination, including how the originator applied its policies
and procedures in verification. For loans applications taken on or after June 1, 2021, Consultant will verify whether the loan meets the
requirements of the revised general QM definition effective March 1, 2021.

2. For loans for which applications were received prior to
July 1, 2021, if a loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency
as permitted under the QM final rule, Consultant reviews the loan to determine whether, based on available information in the loan file
the loan satisfied (i), (ii) and (iii) in the paragraph (3)(a)(i) below and reviews the Automated Underwriting System output within the
file to confirm agency eligibility.

3.  **<u>For Non-Agency Eligible Loans</u>** : Consultant reviews applicable loans for compliance with the Ability to Repay (ATR) but
not Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R. 1026.43 et seq.).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Qualified Mortgage</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. For QM (Safe Harbor or HPCT) designated loans, Consultant reviews the loan
to determine whether, based on available information in the loan file: (i) the loan contains risky loan features and terms (e.g. an interest
only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment
was calculated appropriately. Consultant reviews to the applicable consider and verify requirements under the QM rule depending on whether
the QM was originated under the original general QM definition or the revised general QM definition effective March 1, 2021.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For each QM designated loan that satisfied the applicable requirements enumerated above, Consultant then determines whether the loan
is a Safe Harbor QM or Higher Priced QM by comparing the loan's actual annual percentage rate, as recalculated, to the applicable
average prime offer rate plus a certain percentage. For QM designated loans originated under the revised general QM definition effective
March 1, 2021, Consultant also determines whether the loan exceeds the pricing thresholds for QM loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <u>Ability to Repay</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The ability to repay portion of the review for non-agency eligible loans
only will focus on the eight factors detailed in the ATR Rule as detailed below for non-agency eligible loans. The Consultant will review
the loan file to determine if the creditor verified and considered each of the eight factors utilizing reasonably reliable third-party
documentation at or before consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Current or reasonably expected income or assets that the
consumer will rely on to repay the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Current employment status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Monthly mortgage payment for subject loan using the introductory
or fully indexed rate, whichever is higher, and monthly, fully amortizing payments that are substantially equal.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Monthly payment on any simultaneous loans secured by the
subject property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Monthly payments for property taxes and hazard/flood insurance
and certain other costs related to the property such as homeowner's association fees or ground rent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Debts, alimony, and child support obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Monthly debt-to-income ratio or residual income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Credit history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For loans designated as agency eligible, Consultant will not review for compliance with the requirements of Appendix Q or General
Ability to Repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Consultant reviews loans to determine their conformity with the ATR/QM factors above and is not rendering an independent assessment
or analysis. Consultant's review is based on information contained in the loan file at the time it is provided to Consultant, and
only reflects information as of that point in time and does not mean any regulator, judicial or agency will agree with the Consultant's
conclusion.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**a)** **Regulatory Compliance Disclaimer** 

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**b)** **Seasoning And Certain Compliance Exceptions** 

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

**Additional Disclosures and Requirements:**

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

&nbsp;&nbsp;&nbsp;&nbsp;· Servicing Transfer Disclosure (for applications prior to 10/03/2015):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Servicing Transfer Disclosure form in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Verify the Servicing Transfer Disclosure was provided to the borrower(s)
within three general business days of "Application"

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Home Loan Tool Kit is in file for covered loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Home Loan Tool Kit is provided within three general business
days of application

&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated Business Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Affiliated Business Disclosure in file in the
event the lender has affiliated business arrangements

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Affiliated Business Disclosure is executed.

&nbsp;&nbsp;&nbsp;&nbsp;· Initial Escrow Disclosure Statement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Initial Escrow Disclosure Statement in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Initial Escrow Disclosure Statement was provided at closing
or within 45 days after settlement

**Equal Credit Opportunity Act (Regulation B)**

&nbsp;&nbsp;&nbsp;&nbsp;· Confirm the lender has provided the borrower a disclosure of the right to
receive a copy of appraisals within three (3) business days of application. This disclosure requirement may be met by disclosure on the
Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

&nbsp;&nbsp;&nbsp;&nbsp;· Confirm that the lender has provided (delivered) copies of appraisals and
all other written valuations (as disclosed to the borrower on the HUD-1 and/or contained in the Mortgage Loan File) to the borrower at
least three (3) business days prior to consummation Opus uses the following test: Was appraisal/valuation documentation processed at least
6 days prior to account opening/ consummation date (3 day rule plus 3 days mailing time)?

&nbsp;&nbsp;&nbsp;&nbsp;· For a borrower that has waived the 3-business day disclosure requirement,
confirm that the borrower has either (1) signed the waiver at least three (3) business days prior to consummation or (2) has signed an
acknowledgment that the waiver occurred at least three (3) business days prior to consummation. Additionally, confirm that the lender
has provided copies of appraisals and other written valuations at or prior to consummation.

**Fair Credit Report Act (Regulation V)**

&nbsp;&nbsp;&nbsp;&nbsp;· Confirm that the lender has provided the borrower the risk-based pricing
notice (as required by 12 CFR § 1022.73) or credit score disclosure (as required by 12 CFR § 1022.74(d)), as applicable; (a)
If the lender has provided the risk-based pricing notice, confirm the disclosure was provided before consummation, but not earlier than
the approval decision was communicated to the consumer; and (b) If the lender has provided the credit score disclosure, confirm the disclosure
was provided before consummation.

&nbsp;&nbsp;&nbsp;&nbsp;· Confirm that the lender has provided a copy of the disclosure of credit
score and the Notice to Home Loan Applicant (as required by 15 U.S.C. § 1681g) before consummation.

**High-Cost, State & Local Anti-Predatory Regulations** **<br>** 

<br> In addition to federal thresholds, Consultant will review the anti-predatory lending statutes in the following states and local municipalities, as applicable, as well as any additional applicable regulations implemented during the Term of this SOW.<br>

&nbsp;&nbsp;&nbsp;&nbsp;· Arkansas Home Loan Protection Act, Ark. Stat. Ann. § 23-53-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· California Anti-Predatory Lending Statute, Cal. Fin. Code § 4970 et
seq.

&nbsp;&nbsp;&nbsp;&nbsp;· California Higher-Priced Mortgage Loan Statute, Cal. Fin. Code §4995
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Colorado Consumer Equity Protection Act, Colo, Rev. Stat.
§ 5-3.5-101 et seq. .

&nbsp;&nbsp;&nbsp;&nbsp;· Connecticut Abusive Home Loan Lending Practices Act, Conn. Stat. Ann. §36a-
746 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Connecticut Nonprime Home Loans Statute, Conn. Gen. Stat. §§ 36a-760
et seq. (as originally enacted and as amended by Senate Bill 949).

&nbsp;&nbsp;&nbsp;&nbsp;· District of Columbia Home Loan Protection Act, D.C. Official Code §
26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg § 2000.1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (for loans
closed before July 1, 2014).

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

&nbsp;&nbsp;&nbsp;&nbsp;· Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code §345.10
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003) codified at
815, ILCS §§ 137/5 et seq., and as amended by SB 1692 (2012), effective January 10, 2014.

&nbsp;&nbsp;&nbsp;&nbsp;· Illinois Predatory Lending Database Program, Public Act 95-0691 (SB 1167).

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

&nbsp;&nbsp;&nbsp;&nbsp;· Cook County, Illinois, Anti-Predatory Lending Ordinance, Cook County Code
of Ordinances § 34-341.

&nbsp;&nbsp;&nbsp;&nbsp;· Cook County, Illinois, Anti-Predatory Lending Pilot Program, Illinois House
Bill 4050 (2005).

&nbsp;&nbsp;&nbsp;&nbsp;· Indiana Home Loan Practices Act, as amended by HB 1179 (2005), Ind. Code
§24-9-1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Section 16a-3-308a of the Kansas Consumer Credit Code, Kan. Stat. Ann. §16a.101
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Kansas Consumer Credit Code

&nbsp;&nbsp;&nbsp;&nbsp;· Kentucky Anti-Predatory Lending Statute, Ky. Rev. Stat. § 360.100 et
seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages
(for loans closed prior to September 27, 2011), Me. Rev. Stat. Ann. Tit. 9-A, §§ 8-103(1); 8-206(8);8-206A, as amended by Legislative
Documents 1869 (2007), 2125 (2008) and 1439 (2009).

&nbsp;&nbsp;&nbsp;&nbsp;· Maine Consumer Credit Code - Truth-in-Lending, (for loans closed on or after
September 27, 2011), Me. Rev. Stat. Ann. tit. 9-A, §§ 8-501 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Maryland Commercial Law, Md. Code Ann., Com. Law §§ 12-124.1;
12-127; 12- 409.1; 12-1029.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts High-Cost Mortgage Regulations, 209 CMR Parts 32 and 40, as
amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Predatory Home Loan Practices Act, M.G.L. Chapter 183C, §§
1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts "Borrower's Interest" Standard, M.G.L. Chapter
183, §28C.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Mortgage Lender and Broker Regulations, 940 CMR §800
(15-17).

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Regulations for Higher Priced Mortgage Loans, 209 CMR §§
32.00 et.seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Subprime ARMs to First Time Homebuyers, M.G.L. Chapter 184,
§17B.5.

&nbsp;&nbsp;&nbsp;&nbsp;· Michigan Consumer Mortgage Protection Act, Mich. Stat. Ann.
§ 445-1631 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota Mortgage Originator and Service Licensing Act, § 58.137 et
seq. (S.F. 2988 (2002)), as amended by House File 1004 (2007) and Senate File 988 (2007).

&nbsp;&nbsp;&nbsp;&nbsp;· Nebraska Mortgage Bankers Registration and Licensing Act, Neb. Stat §
45-702 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Nevada Anti-Predatory Lending Law, Assembly Bill No. 284 (2003) and Amended
by Assembly Bill No. 440 (2007), codified as NRS § 598D.010 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· New
Jersey Home Ownership Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· New Mexico Home Loan Protection Act, Senate Bill 449 (Regular Session 2003),
codified at NM Rev. Stat. § 58-21A-1 et seq. and as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· New York High-Cost Home Loan Regulations, 3 NYCCR Part 41 (2001).

&nbsp;&nbsp;&nbsp;&nbsp;· New York High-Cost Home Loan Act, N.Y. Bank.
L. Ch. 626., as codified in NY Bank. Law § 6-l, and as implemented by 3 NYCCR Part 41 as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· New York Subprime Home Loans Statute, NY Bank. Law § 6-m.

&nbsp;&nbsp;&nbsp;&nbsp;· North Carolina Anti-Predatory Lending Law, N.C. Gen. Stat. §§
24-1.1A to 24- 10.2 and North Carolina Amendments to Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-9; 24-1.1(E)(a); 24-10.2(a),
as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Ohio Anti-Predatory Lending Statute, HB 386 as amended by Senate Bill 185
(2006), and as codified in various sections of the Ohio Code.

&nbsp;&nbsp;&nbsp;&nbsp;· Ohio Consumer Sales Practices Act, Ohio Rev. Code Ann.
§ 1345.01, as implemented
by Ohio Admin. Rules § 109 4-3-01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· City of Cleveland Heights, Ohio, Anti-Predatory Lending
Ordinance, Ordinance No.
72-2003 (PSH), Mun. Code §§ 757.01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Summit County, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 2004-618,
Muni. Code §§ 201.01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003), as codified
in various sections of Title 14A of the Oklahoma Consumer Credit Code.

&nbsp;&nbsp;&nbsp;&nbsp;· Oklahoma
Higher-Priced Mortgage Loans Law, Okla. Admin. Code §§ 160:45-9-1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Pennsylvania Consumer Equity Protection Act, 63 Pa. Cons. Stat. Ann. §
456.501 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Rhode Island Home
 Loan Protection Act, R.I. Gen. L. 34-25.1-2 et seq, as implemented by Emergency Banking Regulation 3 (2006) and Final Banking
 Regulation 3 (2007) and amended by Senate Bill 371 (2007).

&nbsp;&nbsp;&nbsp;&nbsp;· City of Providence, Rhode Island, Anti-Predatory Lending Ordinance, Chapter
2006-33, Ordinance No. 245.

&nbsp;&nbsp;&nbsp;&nbsp;· South Carolina High-Cost and Consumer Home Loans Act, S.C. Code § 37-23-10
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Tennessee Home Loan Protection Act, Tenn. H.R. 3597 (2006), as codified
at Tenn. Code Ann. §§ 45-20-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Texas High-Cost Home Loan Statute, Tx. Fin. Code Ann. § 343.201 et
seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Section 50(a)(6), Article XVI of the Texas Constitution

&nbsp;&nbsp;&nbsp;&nbsp;· Section 50(f)(2), Article XVI of the Texas Constitution

&nbsp;&nbsp;&nbsp;&nbsp;· Utah Residential Mortgage Practices Amendments, Utah Code Ann. § 61-2c-102
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Utah High-Cost Home Loan Act, Utah Code § 61-2d-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Vermont Interest Act, 9 V.S.A. § 104, implemented by Regulation B-98-2.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Mortgage Lender and Broker Act (for loans originated on or after
July 1, 2003 to September 30, 2010, as amended), Va. Code Ann. §§ 6.1-411, 6.1-422.1, 6.1-425.1 and 6.1-425.2.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Mortgage Lender and Broker Act (for loans originated on or after
October 1, 2010), Va. Code Ann. §§ 6.2-1600 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Senate Bill 797 (2008), effective July 1, 2008 (uncodified).

&nbsp;&nbsp;&nbsp;&nbsp;· Washington House Bill 2770, Mortgage Lending Ownership

&nbsp;&nbsp;&nbsp;&nbsp;· West Virginia Residential Mortgage Lender, Broker and Servicer
Act, W.Va. Code § 31-17 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Wisconsin Responsible High-Cost Mortgage Lending Act, Wis. Stat. §
428.202, as implemented by Wis. Admin. Code DFI-Bkg 46.01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Wyoming Credit Code

**Flood Insurance Testing**

**National Flood Insurance Program (NFIP)**

Each mortgage loan will be reviewed to ensure adherence to flood insurance coverage requirements as outlined under the NFIP, including identification of flood zones and subsequent policy documentation for evidence of adequate coverage amounts.

**Homeowner's Flood Affordability Act (HFIAA)**

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

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

Exceptions

&nbsp;&nbsp;&nbsp;&nbsp;· Loan is an extension of credit primarily for business, commercial or agricultural
purposes

&nbsp;&nbsp;&nbsp;&nbsp;· Loan is in a subordinate position to a senior lien secured by the same residential
improved real estate or mobile for which the borrower has obtained flood insurance

&nbsp;&nbsp;&nbsp;&nbsp;· Flood Insurance coverage for the residential real estate is provided by
a policy that

&nbsp;&nbsp;&nbsp;&nbsp;a. Meets requirements

&nbsp;&nbsp;&nbsp;&nbsp;b. Provided by a condominium association, cooperative or other applicable group and

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

**Misrepresentation and Third-Party Review** **<br>** 

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

1) Misrepresentation Review and Valuation Review

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Alerts: Assess credit report alerts for accuracy and potential issues.

&nbsp;&nbsp;&nbsp;&nbsp;· Social Security Numbers: Compare SSN(s) across all file documents.

&nbsp;&nbsp;&nbsp;&nbsp;· Document Integrity: Review for apparent alterations to loan documents. To
the extent imaged or hard copy files are provided, Consultant will utilize reasonable review of alterations to the loan documents.

&nbsp;&nbsp;&nbsp;&nbsp;· Data Consistency: Review the documents contained in the loan file for consistency
of data.

&nbsp;&nbsp;&nbsp;&nbsp;· Third Party Fraud Tools: To the extent a third party fraud tool is contained
in the loan file, the Consultant will ensure high level or critical warnings are reviewed and addressed.<br>

**Independent Third-Party Values**

Review each loan to determine whether a third party valuation product was required and if required, that the third party product value was compared to the original appraised value to identify a value variance and apply the appropriate rating agency grade after reviewing the required valuation products. i) Consultant will perform the following steps.

&nbsp;&nbsp;&nbsp;&nbsp;· Property is complete

&nbsp;&nbsp;&nbsp;&nbsp;· Value is based on as-is condition or provides satisfactory completion of
all material conditions including inspections, licenses, and certifications (including certificates of occupancy) to be made or issued
with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made
or obtained from the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;· Property is described in average or better condition

&nbsp;&nbsp;&nbsp;&nbsp;· No apparent appraiser independence violation statements

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal addresses any adverse comments

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal is completed on appropriate GSE Forms

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal contains required attachments.

&nbsp;&nbsp;&nbsp;&nbsp;· Appraiser was appropriately licensed at the time the appraisal was signed

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

Value Review Disclaimer

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Opus is not an Appraisal Management Company ("AMC") and therefore
does not opine on the actual value of the underlying property.

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

**Properties in FEMA declared disaster zones.**

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

&nbsp;&nbsp;&nbsp;&nbsp;· No apparent damage to the property

&nbsp;&nbsp;&nbsp;&nbsp;· Property appears to be occupied

**Data Compare** ****

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Appraised Value

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· FICO

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest Only

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest Rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Term

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Purpose

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· LTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Original Balance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property City

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property State

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Sales Price

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Second Mortgage Lien Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Self Employed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Units

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Zip Code

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· QM Status

**Rating Agency Grading Criteria** **<br>** 

<br> **Fitch Ratings Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Fitch in their current industry publications as updated from time to time.<br>

**Moody's Investor Services Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Moody's in their current industry publications as updated from time to time.<br>

**Kroll Bond Rating Agency LLC Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Kroll in their current industry publications as updated from time to time.<br>

**S&P Global Ratings Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Standard & Poor's in their current industry publications and updated from time to time.<br>

**DBRS Morningstar Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by DBRS in their current industry publications and updated from time to time.

**Opus Grading Criteria** ****

<br> 1) Opus Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The following grading is not intended for securitization reviews and Opus will not issue a Rating Agency Narrative, Reliance or Form ABS Due Diligence 15E if Client elects to utilize the following grading criteria. The methodology for the application of grading is defined by Opus and updated from time to time shall be determined as follows:<br>

**Opus Credit Grades<br>** 

<br> &nbsp;&nbsp;&nbsp;&nbsp;· Level 1 Credit Grade Definition: Loan was originated in accordance with
the mortgage loan originator underwriting guidelines without exception.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 2 Credit Grade Definition: Loan was originated in substantial compliance
with the originator's underwriting guidelines and there are sufficient compensating factors for any exceptions.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 3 Credit Grade Definition: Loan was not originated in substantial
compliance with the originator's underwriting guidelines and there are insufficient compensating factors for the exceptions or is missing
material documentation.<br>

**Opus Property Grades<br>** 

<br> &nbsp;&nbsp;&nbsp;&nbsp;· Level 1 Property Grade Definition: Property value appears to be within 10%
of original appraised amount and there are no material deficiencies in the appraisal process.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 2 Property Grade Definition: Property value appears to be within 10%
of original appraised amount, but minor issues in the appraisal process were identified.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 3 Property Grade Definition: Property value does not appear to fall
within 10% of the original appraised value and/or material deficiencies exist with respect to the appraisal process or the file is missing
material documentation.<br>

**Opus Compliance Grades**<br>

&nbsp;&nbsp;&nbsp;&nbsp;· Level 1 Compliance Grade Definition: Loan complies with all applicable laws
and regulations reviewed under the applicable scope of work.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 2 Compliance Grade Definition: There are minor issues regarding legal
and/or regulatory compliance but such issues do not represent risks to the enforceability of the borrower's obligation under the loan
documents and will not result in assignee liability to the investor.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 3 Compliance Grade Definition: Loan is not in compliance with laws
and regulations reviewed under the applicable scope of work or the loan is missing material documentation.

**REDACTED INFORMATION** ****

<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Borrower Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Co-Borrower Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· SSNs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Address, City, County, MSA, Zip

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Mailing Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Account Number, including Originator and Servicer Loan Number

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Origination Date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Names of Borrowers or any other Individuals

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Company and Entity Names

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Financial Institution Names

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Job Position Titles

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Any Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Any Location Information (other than state), including City, County, MSA
and Zip

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Account Numbers of any type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Insurance Claim Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Insurance Policy Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Foreclosure Action dates and Case Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Bankruptcy Action dates and Case Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Any reference that would allow the identification of the location of a property
(e.g. neighborhood, body of water, schools, major highways)

**DSCR Loan Review** 

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

**Borrower Underwriting:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Borrower Liquidity:** Review and confirm borrower's liquidity position adheres to Underwriting
Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Credit / Background Check:** Review and confirm each guarantor and/or owner of the borrowing entity
requirements meet Underwriting Guidelines, including OFAC.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Property management questionnaire:** Review the questionnaire to confirm management experience
meets Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Borrowing Entity:** Confirm the entity is in good standing and duly formed (if applicable documents
are in the file). Verify the individual signing on behalf of the organization has the authority to bind the entity (if applicable documents
are in the file).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Loan-to-Value (LTV)/Loan-to-Cost (LTC) Limits:** Confirm the LTV/LTC meets Underwriting Guidelines
per Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Permitted Loan Terms:** Confirm the loan terms are eligible per the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Property Requirements and Market Requirements:** Confirm the loan Property and Market Requirements
are eligible per the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **DSCR—ensure components of Debt Service Coverage Ratio are identified correctly:** Recalculation
of DSCR

**Title Insurance Requirements are met per Guidelines only as follows** 

Confirm Loss payee language must be present and required insurance policies and coverage amounts meet the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Condominium Eligibility:** Confirm Condo Master Policy is present and meets the Underwriting Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Property Insurance:** Confirm each mortgaged property has a policy in place and proper coverage
amount in adherence to the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Preliminary/Commitment Title:** Review and confirm first lien holder position, validate no loan
file discrepancies, delinquent taxes, and/or additional liens at time of consummation.

**Credit Document Check**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Application: Verify the presence and completeness of both the initial and final loan applications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Credit Report: Verify the presence of a credit report for each borrower. Confirm that the credit report
was pulled within the timing requirements allowable per the Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Housing Payment History: In the absence of housing payment histories on the borrower(s) credit report(s),
verify that that the file contains a verification of rent or a verification of mortgage form.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Asset Documentation: Verify the presence of asset documentation required by the Client provided underwriting
guidelines in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Valuation Tools: Verify that each loan file contains adequate appraisal and other third party
valuation tools to satisfy the minimum required documentation under the relative Client provided underwriting guidelines.

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

**Compliance**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· No compliance testing for the DSCR review.

**Multiple Loans to One Borrower:** TPR firm reviewed common identifiers for all loans in the population and confirmed there was one obligor with multiple loans in the pool.

**Property Inspection Waivers:** No loans had a Property Inspection Waiver.

**<u>Pool Details</u>**

---

| | | |
|:---|:---|:---|
| **Loan Type** | **Loan Type** | **Loan Type** |
| Type | Count | % of Pool |
| Non-Conforming | 143 | 100.00% |
| Conforming-GSE Eligible | 0 | 0.00% |
| **Total** | **143** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **Interest Rate** | **Interest Rate** | **Interest Rate** |
| Type | Count | % of Pool |
| 6.000 - 6.499 | 11 | 7.69% |
| 6.500 - 6.999 | 51 | 35.66% |
| 7.000 - 7.499 | 39 | 27.27% |
| 7.500 - 7.999 | 23 | 16.08% |
| 8.000 - 8.499 | 2 | 1.40% |
| 8.500 - 8.999 | 16 | 11.19% |
| 9.000 - 9.499 | 1 | 0.70% |
| 9.500 - 9.999 | 0 | 0.00% |
| 10.000 - 10.499 | 0 | 0.00% |
| **Total** | **143** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **Purpose** | **Purpose** | **Purpose** |
| Type | Count | % of Pool |
| Cash out Refi | 37 | 25.87% |
| Purchase | 94 | 65.73% |
| Rate / Term Refi | 12 | 8.39% |
| Construction to Perm | 0 | 0.00% |
| **Total** | **143** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **DTI** | **DTI** | **DTI** |
| Type | Count | % of Pool |
| 0.00-20.00 | 65 | 45.45% |
| 20.01-30.00 | 17 | 11.89% |
| 30.01-40.00 | 24 | 16.78% |
| 40.01-45.00 | 20 | 13.99% |
| 45.01-50.00 | 17 | 11.89% |
| **Total** | **143** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **Product Type** | **Product Type** | **Product Type** |
| Type | Count | % of Pool |
| Fixed | 142 | 99.30% |
| ARM | 1 | 0.70% |
| **Total** | **143** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **Occupancy** | **Occupancy** | **Occupancy** |
| Type | Count | % of Pool |
| Primary Residence | 73 | 51.05% |
| Second Home | 13 | 9.09% |
| Investment Property | 57 | 39.86% |
| **Total** | **143** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **Property Type** | **Property Type** | **Property Type** |
| Type | Count | % of Pool |
| Single Family Detached | 66 | 46.15% |
| Co-op | 0 | 0.00% |
| Condo, Low Rise | 19 | 13.29% |
| Condo, High Rise | 3 | 2.10% |
| PUD | 29 | 20.28% |
| 1 Family Attached | 4 | 2.80% |
| 2 Family | 11 | 7.69% |
| 3 Family | 5 | 3.50% |
| 4 Family | 6 | 4.20% |
| **Total** | **143** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **LTV** | **LTV** | **LTV** |
| Type | Count | % of Pool |
| 0.00-30.00 | 1 | 0.70% |
| 30.01-40.00 | 2 | 1.40% |
| 40.01-50.00 | 10 | 6.99% |
| 50.01-60.00 | 16 | 11.19% |
| 60.01-70.00 | 20 | 13.99% |
| 70.01-80.00 | 80 | 55.94% |
| 80.01-90.00 | 14 | 9.79% |
| **Total** | **143** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **QM Type** | **QM Type** | **QM Type** |
| Type | Count | % of Pool |
| Non-QM | 88 | 61.54% |
| QM/Agency Safe Harbor | 0 | 0.00% |
| QM/HPML | 0 | 0.00% |
| ATR/QM: Exempt | 55 | 38.46% |
| **Total** | **143** | **100.00%** |

---

**<u>Tape Discrepancies</u>**

---

| | | |
|:---|:---|:---|
| **Data Element** | **Count** | **Accuracy** |
| CLTV | 83 | 41.96% |
| Note Date | 36 | 74.83% |
| Property Type | 12 | 91.61% |
| Sales Price | 1 | 99.30% |
| **Total Loan Population** | **143** |  |

---

**<u>Loan Grading Definitions</u>**

**<u>Credit</u>**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp; A | &nbsp;&nbsp; A | &nbsp;&nbsp;Loan conforms to all applicable guidelines, no conditions noted |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp; B | &nbsp;&nbsp; B | &nbsp;&nbsp;Loan does not meet every applicable credit guideline. However, most of the loan characteristics are within the guidelines and there are documented and significant compensating factors |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp; C | &nbsp;&nbsp; C | &nbsp;&nbsp;The loan does not meet every applicable credit guideline, and most of the loan characteristics are outside of guidelines; or there are weak or no compensating factors |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp; D | &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Compliance</u>**

---

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

---

---

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

---

**<u>Property Valuation</u>**

---

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

---

---

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

---

**<u>Loan Review Findings</u>**

The following summarizes Consultant's initial and final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated November 13, 2025.

---

| | | |
|:---|:---|:---|
| **Overall Grade Summary** | | |
| &nbsp;&nbsp;**DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | <br>&nbsp;&nbsp;**# of<br> Loans** | <br>&nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;135 | &nbsp;&nbsp;94.41% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;8 | &nbsp;&nbsp;5.59% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| **Compliance Grade Summary** |  |  |
| &nbsp;&nbsp;**DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;141 | &nbsp;&nbsp;98.60% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.40% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| **Credit Grade Summary** |  |  |
| &nbsp;&nbsp;**DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;137 | &nbsp;&nbsp;95.80% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;4.20% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| **Property Grade Summary** |  |  |
| &nbsp;&nbsp;**DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;143 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**<u>Loans Reviewed (143)</u>**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;214279697 | &nbsp;&nbsp;215300781 | &nbsp;&nbsp;9718061436 | &nbsp;&nbsp;9741030150 | &nbsp;&nbsp;9756984689 | &nbsp;&nbsp;9778165994 |
| &nbsp;&nbsp;214797953 | &nbsp;&nbsp;215306200 | &nbsp;&nbsp;9718867469 | &nbsp;&nbsp;9742520316 | &nbsp;&nbsp;9757712766 | &nbsp;&nbsp;9778180019 |
| &nbsp;&nbsp;214850588 | &nbsp;&nbsp;215307588 | &nbsp;&nbsp;9720922906 | &nbsp;&nbsp;9742856694 | &nbsp;&nbsp;9758753249 | &nbsp;&nbsp;9781213732 |
| &nbsp;&nbsp;215021114 | &nbsp;&nbsp;215308321 | &nbsp;&nbsp;9721245083 | &nbsp;&nbsp;9743399603 | &nbsp;&nbsp;9760104050 | &nbsp;&nbsp;9781802427 |
| &nbsp;&nbsp;215027897 | &nbsp;&nbsp;215316597 | &nbsp;&nbsp;9722011617 | &nbsp;&nbsp;9744710246 | &nbsp;&nbsp;9760236613 | &nbsp;&nbsp;9782466214 |
| &nbsp;&nbsp;215050840 | &nbsp;&nbsp;215424334 | &nbsp;&nbsp;9722946531 | &nbsp;&nbsp;9745049610 | &nbsp;&nbsp;9760412685 | &nbsp;&nbsp;9783151971 |
| &nbsp;&nbsp;215055674 | &nbsp;&nbsp;9704934257 | &nbsp;&nbsp;9724918470 | &nbsp;&nbsp;9745519885 | &nbsp;&nbsp;9760613597 | &nbsp;&nbsp;9783373823 |
| &nbsp;&nbsp;215077108 | &nbsp;&nbsp;9707040268 | &nbsp;&nbsp;9727356934 | &nbsp;&nbsp;9746148122 | &nbsp;&nbsp;9761562918 | &nbsp;&nbsp;9784020084 |
| &nbsp;&nbsp;215128950 | &nbsp;&nbsp;9707177367 | &nbsp;&nbsp;9727890494 | &nbsp;&nbsp;9746592501 | &nbsp;&nbsp;9763777183 | &nbsp;&nbsp;9784498926 |
| &nbsp;&nbsp;215190059 | &nbsp;&nbsp;9708648226 | &nbsp;&nbsp;9729506957 | &nbsp;&nbsp;9747054543 | &nbsp;&nbsp;9764663333 | &nbsp;&nbsp;9785182982 |
| &nbsp;&nbsp;215191826 | &nbsp;&nbsp;9708868048 | &nbsp;&nbsp;9729889965 | &nbsp;&nbsp;9747712694 | &nbsp;&nbsp;9766525837 | &nbsp;&nbsp;9786051400 |
| &nbsp;&nbsp;215195439 | &nbsp;&nbsp;9709417936 | &nbsp;&nbsp;9730739829 | &nbsp;&nbsp;9748140317 | &nbsp;&nbsp;9767959274 | &nbsp;&nbsp;9787442012 |
| &nbsp;&nbsp;215207861 | &nbsp;&nbsp;9709628870 | &nbsp;&nbsp;9731072956 | &nbsp;&nbsp;9748147239 | &nbsp;&nbsp;9769066276 | &nbsp;&nbsp;9787864967 |
| &nbsp;&nbsp;215227166 | &nbsp;&nbsp;9710261752 | &nbsp;&nbsp;9733307335 | &nbsp;&nbsp;9750033640 | &nbsp;&nbsp;9769478661 | &nbsp;&nbsp;9787946491 |
| &nbsp;&nbsp;215229865 | &nbsp;&nbsp;9710643546 | &nbsp;&nbsp;9733504857 | &nbsp;&nbsp;9750295215 | &nbsp;&nbsp;9772617792 | &nbsp;&nbsp;9788262989 |
| &nbsp;&nbsp;215232208 | &nbsp;&nbsp;9710979106 | &nbsp;&nbsp;9736506230 | &nbsp;&nbsp;9751038895 | &nbsp;&nbsp;9772641172 | &nbsp;&nbsp;9789444206 |
| &nbsp;&nbsp;215240656 | &nbsp;&nbsp;9712004754 | &nbsp;&nbsp;9736705964 | &nbsp;&nbsp;9751062473 | &nbsp;&nbsp;9772901279 | &nbsp;&nbsp;9789485449 |
| &nbsp;&nbsp;215245713 | &nbsp;&nbsp;9712322099 | &nbsp;&nbsp;9737451584 | &nbsp;&nbsp;9751173650 | &nbsp;&nbsp;9773596284 | &nbsp;&nbsp;9790152657 |
| &nbsp;&nbsp;215251208 | &nbsp;&nbsp;9712807685 | &nbsp;&nbsp;9738338533 | &nbsp;&nbsp;9752632878 | &nbsp;&nbsp;9774056106 | &nbsp;&nbsp;9791175368 |
| &nbsp;&nbsp;215257312 | &nbsp;&nbsp;9713743061 | &nbsp;&nbsp;9738516575 | &nbsp;&nbsp;9753530956 | &nbsp;&nbsp;9775054613 | &nbsp;&nbsp;9796585702 |
| &nbsp;&nbsp;215270141 | &nbsp;&nbsp;9714752574 | &nbsp;&nbsp;9738778464 | &nbsp;&nbsp;9755016053 | &nbsp;&nbsp;9775444004 | &nbsp;&nbsp;9797176287 |
| &nbsp;&nbsp;215275470 | &nbsp;&nbsp;9714773455 | &nbsp;&nbsp;9738826016 | &nbsp;&nbsp;9755515583 | &nbsp;&nbsp;9775520886 | &nbsp;&nbsp;9798122439 |
| &nbsp;&nbsp;215275850 | &nbsp;&nbsp;9715378759 | &nbsp;&nbsp;9738958652 | &nbsp;&nbsp;9755576288 | &nbsp;&nbsp;9776576853 | &nbsp;&nbsp;9799819926 |
| &nbsp;&nbsp;215294745 | &nbsp;&nbsp;9717871645 | &nbsp;&nbsp;9740774576 | &nbsp;&nbsp;9756753092 | &nbsp;&nbsp;9778093683 |  |

---

If you have any questions, please contact Uriah Clavier at Uriah.Clavier@opuscmc.com

## Exhibit 99.6

**Exhibit 99.6 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| ASF Loan Number | Loan ID | Seller Loan ID | Investor Loan ID | Note Date | Original Loan Amount | Sales Price | Total Adjusted Prior Purchase Price | Primary Appraised Value | Primary Appraisal Date | Primary Appraisal Type | Primary Appraisal Company | Primary Appraiser Name | Primary Appraiser License Number | Value for LTV | LTV | CLTV | Loan Reviewed Property Value | Loan Reviewed Variance Amount | Loan Reviewed Variance Percent | Loan Reviewed Product Type | Loan Post-Close Reviewed Property Value | Loan Post-Close Reviewed Variance Amount | Loan Post-Close Reviewed Variance Percent | Loan Post-Close Reviewed Product Type | Second Appraisal Value | Second Appraisal Variance Amount | Second Appraisal Variance Percent | Second Appraisal Date | Second Appraisal Type | AVM Appraised Value | AVM Variance Amount | AVM Variance Percent | AVM Confidence Score | FSD Score | AVM Company Name | AVM Product Name | AVM Appraisal Date | Desk Review Appraised Value | Desk Review Variance Amount | Desk Review Variance Percent | Desk Review Company | Desk Review Risk Score | Desk Review Appraisal Date | Desk Top Appraised Value | Desk Top Variance Amount | Desk Top Variance Percent | Desk Top Company | Desk Top Appraisal Date | BPO Appraised Value | BPO Variance Amount | BPO Variance Percent | BPO Company | BPO Appraisal Date | Field Review Appraised Value | Field Review Variance Amount | Field Review Variance Percent | Field Review Company | Field Review Appraisal Date | 2055 Appraised Value | 2055 Variance Amount | 2055 Variance Percent | 2055 Company | 2055 Appraisal Date | AVE/CMA Appraised Value | AVE/CMA Variance Amount | AVE/CMA Variance Percent | AVE/CMA Company | AVE/CMA Appraisal Date | Completion Report (1004D) Date | Other Appraised Value | Other Variance Amount | Other Variance Percent | Other Appraisal Date | Updated Appraised Value | Updated Variance Amount | Updated Variance Percent | Updated Company | Updated Appraisal Date | Updated Appraisal Type | Loan Collateral Advisor Risk Score | Loan Collateral Advisor Risk Score Date | Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor? | Collateral Underwriter Risk Score | Collateral Underwriter Risk Score Date |
| xxx | 214279697 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 05-xx-2025 | 1073 Individual Condo Report |  | xxx | xxx | xxx | 53.25 | 53.25 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 05-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-xx-2025 |
| xxx | 214797953 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 04-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 05-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 214850588 |  |  | 05-xx-2025 | $xxx | $xxx | 0 | $xxx | 04-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 69.77 | 69.77 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 05-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 04-xx-2025 |
| xxx | 215021114 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 03-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 64.53 | 64.53 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 04-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-xx-2025 |
| xxx | 215027897 |  |  | 04-xx-2025 | $xxx | $xxx | 0 | $xxx | 03-xx-2025 | 1025 Small Residential Income Report |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Moderate Risk | 04-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 215050840 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx |  | xxx |  |  |  |  |  | xxx | 5000.0 | xxx | 05-xx-2025 | 1004 URAR |  |  |  |  |  |  |  |  | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 06-xx-2025 |
| xxx | 215055674 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 04-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 54.12 | 54.12 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 05-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-xx-2025 |
| xxx | 215077108 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 05-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 05-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | 05-xx-2025 |
| xxx | 215128950 |  |  | 05-xx-2025 | $xxx | $xxx | 0 | $xxx | 05-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Moderate Risk | 05-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-xx-2025 |
| xxx | 215190059 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 05-xx-2025 | 1073 Individual Condo Report |  | xxx | xxx | xxx | 76.92 | 76.92 | xxx | 0.0 | xxx | Collateral Underwriter (CU) |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 05-xx-2025 |
| xxx | 215191826 |  |  | 05-xx-2025 | $xxx | $xxx | 0 | $xxx | 05-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 69.93 | 69.93 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 05-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-xx-2025 |
| xxx | 215195439 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1025 Small Residential Income Report |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | -33000.0 | xxx | Desk Review |  |  |  |  | xxx | -3000.0 | xxx | 05-xx-2025 | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  | xxx | -33000.0 | xxx | xxx | High Rish | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 215207861 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 05-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx |  | xxx |  |  |  |  |  | xxx | 176000.0 | xxx | 04-xx-2025 | 1004 URAR |  |  |  |  |  |  |  |  | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 215227166 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1073 Individual Condo Report |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 06-xx-2025 |
| xxx | 215229865 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1025 Small Residential Income Report |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Moderate Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 215232208 |  |  | 05-xx-2025 | $xxx | $xxx | 0 | $xxx | 05-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 47.37 | 47.37 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 05-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-xx-2025 |
| xxx | 215240656 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 05-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 215245713 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | xxx | Collateral Underwriter (CU) |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-xx-2025 |
| xxx | 215251208 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1073 Individual Condo Report |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Moderate Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 215257312 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1073 Individual Condo Report |  | xxx | xxx | xxx | 77.0 | 77.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Moderate Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 215270141 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx |  | xxx |  | xxx | -108000.0 | xxx | Desk Review | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | -108000.0 | xxx | xxx | Moderate Risk | 08-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 | 06-xx-2025 |
| xxx | 215275470 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 32.72 | 32.72 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 06-xx-2025 |
| xxx | 215275850 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1073 Individual Condo Report |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Moderate Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-xx-2025 |
| xxx | 215294745 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 07-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 06-xx-2025 |
| xxx | 215300781 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 05-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-xx-2025 | Eligible |  |  |
| xxx | 215306200 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 04-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 74.99 | 74.99 | xxx | -45000.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | -45000.0 | xxx | xxx | Moderate Risk | 04-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-xx-2025 |
| xxx | 215307588 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Moderate Risk | 07-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-xx-2025 |
| xxx | 215308321 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Moderate Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 215316597 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 39.0 | 39.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Moderate Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | 06-xx-2025 |
| xxx | 215424334 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 07-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | xxx | Collateral Underwriter (CU) |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 07-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-xx-2025 |
| xxx | 9704934257 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 74.07 | 74.07 | xxx | 0.0 | xxx | Collateral Underwriter (CU) |  |  |  |  | xxx | 0.0 | .0000 | 06-xx-2025 | 1004 URAR |  |  |  |  |  |  |  |  | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 06-xx-2025 |
| xxx | 9707040268 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | xxx | AVE/CMA |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 9707177367 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 05-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 78.69 | 78.69 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 05-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-xx-2025 |
| xxx | 9708648226 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1073 Individual Condo Report |  | xxx | xxx | xxx | 71.65 | 71.65 | xxx | 0.0 | xxx | AVE/CMA |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | 07-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 9708868048 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 05-xx-2025 | 1025 Small Residential Income Report |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 9709417936 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 03-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 05-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 9709628870 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 05-xx-2025 | 1025 Small Residential Income Report |  | xxx | xxx | xxx | 68.57 | 68.57 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 05-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 9710261752 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 9710643546 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-xx-2025 |
| xxx | 9710979106 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1073 Individual Condo Report |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | xxx | AVE/CMA |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 9712004754 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 06-xx-2025 |
| xxx | 9712322099 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Moderate Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 06-xx-2025 |
| xxx | 9712807685 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 05-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 60.0 | 60.0 | xxx | 0.0 | xxx | Loan Collateral Advisor (LCA) |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  | 2 | 06-xx-2025 | Eligible |  |  |
| xxx | 9713743061 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 85.0 | 85.0 | xxx | 0.0 | xxx | AVE/CMA |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 9714752574 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 05-xx-2025 | 1025 Small Residential Income Report |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Moderate Risk | 05-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 9714773455 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 05-xx-2025 | 1073 Individual Condo Report |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 05-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 06-xx-2025 |
| xxx | 9715378759 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 90.0 | 90.0 | xxx | 0.0 | xxx | Collateral Underwriter (CU) |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-xx-2025 |
| xxx | 9717871645 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Moderate Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-xx-2025 |
| xxx | 9718061436 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 05-xx-2025 | 1073 Individual Condo Report |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Moderate Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 9718867469 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 71.43 | 71.43 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 9720922906 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | xxx | AVE/CMA |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | 07-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 9721245083 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1025 Small Residential Income Report |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | xxx | AVE/CMA |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 9722011617 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 07-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 84.74 | 84.74 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Moderate Risk | 07-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-xx-2025 |
| xxx | 9722946531 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 07-xx-2025 | 1025 Small Residential Income Report |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | xxx | AVE/CMA |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | 07-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 9724918470 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 07-xx-2025 | 1025 Small Residential Income Report |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | xxx | AVE/CMA |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | 07-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 9727356934 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 05-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 73.42 | 73.42 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-xx-2025 |
| xxx | 9727890494 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 04-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 72.0 | 72.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-xx-2025 |
| xxx | 9729506957 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 07-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | xxx | AVE/CMA |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | 07-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 9729889965 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 05-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 05-xx-2025 |
| xxx | 9730739829 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 05-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 56.68 | 56.68 | xxx | 0.0 | xxx | Collateral Underwriter (CU) |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-xx-2025 |
| xxx | 9731072956 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1025 Small Residential Income Report |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 9733307335 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 45.45 | 45.45 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-xx-2025 |
| xxx | 9733504857 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 05-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 85.0 | 85.0 | xxx | 0.0 | xxx | Collateral Underwriter (CU) |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-xx-2025 |
| xxx | 9736506230 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 05-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 85.0 | 85.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.9 | 06-xx-2025 |
| xxx | 9736705964 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Moderate Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 9737451584 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 57.48 | 57.48 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 06-xx-2025 |
| xxx | 9738338533 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 07-xx-2025 | 1025 Small Residential Income Report |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | xxx | AVE/CMA |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | 07-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 9738516575 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1073 Individual Condo Report |  | xxx | xxx | xxx | 90.0 | 90.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Moderate Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 06-xx-2025 |
| xxx | 9738778464 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1073 Individual Condo Report |  | xxx | xxx | xxx | 69.23 | 69.23 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-xx-2025 |
| xxx | 9738826016 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Moderate Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-xx-2025 |
| xxx | 9738958652 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | xxx | AVE/CMA |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 06-xx-2025 |
| xxx | 9740774576 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1073 Individual Condo Report |  | xxx | xxx | xxx | 27.93 | 27.93 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-xx-2025 |
| xxx | 9741030150 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 44.0 | 44.0 | xxx | 0.0 | xxx | Collateral Underwriter (CU) |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-xx-2025 |
| xxx | 9742520316 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 05-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Moderate Risk | 05-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 05-xx-2025 |
| xxx | 9742856694 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 72.0 | 72.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 06-xx-2025 |
| xxx | 9743399603 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 90.0 | 90.0 | xxx | 0.0 | xxx | Collateral Underwriter (CU) |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Moderate Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 06-xx-2025 |
| xxx | 9744710246 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 05-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 77.78 | 77.78 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 06-xx-2025 |
| xxx | 9745049610 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 58.22 | 58.22 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 9745519885 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 07-xx-2025 | 1025 Small Residential Income Report |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | xxx | AVE/CMA |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | 07-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 9746148122 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 9746592501 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 90.0 | 90.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 07-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-xx-2025 |
| xxx | 9747054543 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-xx-2025 |
| xxx | 9747712694 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 64.72 | 64.72 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-xx-2025 |
| xxx | 9748140317 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 9748147239 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Moderate Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-xx-2025 | Eligible |  |  |
| xxx | 9750033640 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 07-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 47.85 | 47.85 | xxx | 0.0 | xxx | AVE/CMA |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | 07-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 9750295215 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 02-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 76.41 | 76.41 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 05-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-xx-2025 |
| xxx | 9751038895 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 06-xx-2025 |
| xxx | 9751062473 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 67.57 | 67.57 | xxx | 0.0 | xxx | Collateral Underwriter (CU) |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-xx-2025 |
| xxx | 9751173650 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 05-xx-2025 | 1073 Individual Condo Report |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | xxx | Collateral Underwriter (CU) |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-xx-2025 |
| xxx | 9752632878 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 05-xx-2025 | 1025 Small Residential Income Report |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | xxx | AVE/CMA |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | 05-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 9753530956 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 07-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 51.09 | 51.09 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 07-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-xx-2025 |
| xxx | 9755016053 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 83.24 | 83.24 | xxx | 0.0 | xxx | AVE/CMA |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | 07-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 9755515583 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 60.0 | 60.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx | 0.0 | .0000 | 06-xx-2025 | 1004 URAR |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Moderate Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-xx-2025 |
| xxx | 9755576288 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1025 Small Residential Income Report |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | xxx | AVE/CMA |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | 07-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 9756753092 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 07-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 07-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-xx-2025 | Eligible |  |  |
| xxx | 9756984689 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 05-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 06-xx-2025 |
| xxx | 9757712766 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 05-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 60.0 | 60.0 | xxx | 0.0 | xxx | AVE/CMA |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 9758753249 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 71.71 | 71.71 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-xx-2025 |
| xxx | 9760104050 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1025 Small Residential Income Report |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | -20000.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | -20000.0 | xxx | xxx | Moderate Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 9760236613 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 05-xx-2025 | 1025 Small Residential Income Report |  | xxx | xxx | xxx | 85.0 | 85.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Moderate Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 9760412685 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1073 Individual Condo Report |  | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 07-xx-2025 |
| xxx | 9760613597 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 07-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 57.8 | 57.8 | xxx | 0.0 | xxx | AVE/CMA |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | 07-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 9761562918 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 05-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Moderate Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-xx-2025 |
| xxx | 9763777183 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1073 Individual Condo Report |  | xxx | xxx | xxx | 47.89 | 47.89 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 9764663333 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 90.0 | 90.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-xx-2025 |
| xxx | 9766525837 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 47.96 | 47.96 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 06-xx-2025 |
| xxx | 9767959274 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 03-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 60.37 | 60.37 | xxx | 184000.0 | xxx | 1004 URAR |  |  |  |  | xxx | 184000.0 | xxx | 04-xx-2025 | 1004 URAR |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 04-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 9769066276 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 57.0 | 57.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 06-xx-2025 |
| xxx | 9769478661 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 05-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 05-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 05-xx-2025 |
| xxx | 9772617792 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 05-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 05-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 05-xx-2025 |
| xxx | 9772641172 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 05-xx-2025 | 1025 Small Residential Income Report |  | xxx | xxx | xxx | 68.42 | 68.42 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Moderate Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 9772901279 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 07-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 48.19 | 48.19 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Moderate Risk | 07-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 07-xx-2025 |
| xxx | 9773596284 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 05-xx-2025 | 1073 Individual Condo Report |  | xxx | xxx | xxx | 52.94 | 52.94 | xxx | 0.0 | xxx | Collateral Underwriter (CU) |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 06-xx-2025 |
| xxx | 9774056106 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1073 Individual Condo Report |  | xxx | xxx | xxx | 57.37 | 57.37 | xxx | -500.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | -500.0 | xxx | xxx | Moderate Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-xx-2025 |
| xxx | 9775054613 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | xxx | AVE/CMA |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | 07-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 9775444004 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Moderate Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-xx-2025 |
| xxx | 9775520886 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 05-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 05-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-xx-2025 |
| xxx | 9776576853 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | xxx | AVE/CMA |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | 07-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 9778093683 |  |  | 07/xx/2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1025 Small Residential Income Report |  | xxx | xxx | xxx | 48.08 | 48.08 | xxx | 0.0 | xxx | AVE/CMA |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 9778165994 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1025 Small Residential Income Report |  | xxx | xxx | xxx | 85.0 | 85.0 | xxx | 0.0 | xxx | AVE/CMA |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 9778180019 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 05-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 9781213732 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 56.0 | 56.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Moderate Risk | 07-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 07-xx-2025 | Not Eligible |  |  |
| xxx | 9781802427 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 07-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 07-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-xx-2025 |
| xxx | 9782466214 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 06-xx-2025 |
| xxx | 9783151971 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1025 Small Residential Income Report |  | xxx | xxx | xxx | 69.87 | 69.87 | xxx | 0.0 | xxx | AVE/CMA |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | 07-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 9783373823 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 04-xx-2025 | 1073 Individual Condo Report |  | xxx | xxx | xxx | 49.38 | 49.38 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-xx-2025 |
| xxx | 9784020084 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 59.42 | 59.42 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 07-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | 06-xx-2025 |
| xxx | 9784498926 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 04-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Moderate Risk | 04-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | 04-xx-2025 |
| xxx | 9785182982 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 07-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 85.0 | 85.0 | xxx | 0.0 | xxx | Collateral Underwriter (CU) |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 07-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 07-xx-2025 |
| xxx | 9786051400 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Moderate Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 9787442012 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 1/xx/2025 | 1073 Individual Condo Report |  | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Moderate Risk | 01-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-xx-2025 |
| xxx | 9787864967 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1073 Individual Condo Report |  | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Moderate Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 9787946491 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Moderate Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 06-xx-2025 |
| xxx | 9788262989 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 07-xx-2025 | 1025 Small Residential Income Report |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | xxx | AVE/CMA |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | 07-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 9789444206 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 04-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 53.86 | 53.86 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Moderate Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-xx-2025 | Eligible |  |  |
| xxx | 9789485449 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 05-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 62.5 | 62.5 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 05-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | 05-xx-2025 |
| xxx | 9790152657 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 07-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-xx-2025 |
| xxx | 9791175368 |  |  | 08-xx-2025 | $xxx | $xxx | 0 | $xxx | 07-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | xxx | AVE/CMA |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | 07-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 9796585702 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 05-xx-2025 | 1025 Small Residential Income Report |  | xxx | xxx | xxx | 85.0 | 85.0 | xxx | 0.0 | xxx | AVE/CMA |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | 07-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 9797176287 |  |  | 06-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 48.72 | 48.72 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Moderate Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-xx-2025 |
| xxx | 9798122439 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 73.89 | 73.89 | xxx | 0.0 | xxx | Desk Review |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | Low Risk | 06-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-xx-2025 | Eligible |  |  |
| xxx | 9799819926 |  |  | 07-xx-2025 | $xxx | $xxx | 0 | $xxx | 06-xx-2025 | 1004 URAR |  | xxx | xxx | xxx | 74.88 | 74.88 | xxx | 0.0 | xxx | AVE/CMA |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | xxx | xxx | 07-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| ASF Loan Number | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** |
| xxx | 214279697 |  |  | $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 |
| xxx | 214797953 |  |  | $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 |
| xxx | 214850588 |  |  | $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 |
| xxx | 215021114 |  |  | $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 |
| xxx | 215027897 |  |  | $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 |
| xxx | 215050840 |  |  | $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 |
| xxx | 215055674 |  |  | $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 |
| xxx | 215077108 |  |  | $xxx | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| xxx | 215128950 |  |  | $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 |
| xxx | 215190059 |  |  | $xxx | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
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| xxx | 215257312 |  |  | $xxx | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| xxx | 215270141 |  |  | $xxx | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
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| xxx | 215300781 |  |  | $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 |
| xxx | 215306200 |  |  | $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 |
| xxx | 215307588 |  |  | $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 |
| xxx | 215308321 |  |  | $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 |
| xxx | 215316597 |  |  | $xxx | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| xxx | 215424334 |  |  | $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 |
| xxx | 9704934257 |  |  | $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 |
| xxx | 9707040268 |  |  | $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 |
| xxx | 9707177367 |  |  | $xxx | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| xxx | 9708648226 |  |  | $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 |
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| xxx | 9709417936 |  |  | $xxx | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| xxx | 9709628870 |  |  | $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 |
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| xxx | 9710643546 |  |  | $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 |
| xxx | 9710979106 |  |  | $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 |
| xxx | 9712004754 |  |  | $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 |
| xxx | 9712322099 |  |  | $xxx | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| xxx | 9712807685 |  |  | $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 |
| xxx | 9713743061 |  |  | $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 |
| xxx | 9714752574 |  |  | $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 |
| xxx | 9714773455 |  |  | $xxx | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| xxx | 9715378759 |  |  | $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 |
| xxx | 9717871645 |  |  | $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 |
| xxx | 9718061436 |  |  | $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 |
| xxx | 9718867469 |  |  | $xxx | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| xxx | 9720922906 |  |  | $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 |
| xxx | 9721245083 |  |  | $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 |
| xxx | 9722011617 |  |  | $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 |
| xxx | 9722946531 |  |  | $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 |
| xxx | 9724918470 |  |  | $xxx | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| xxx | 9727356934 |  |  | $xxx | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| xxx | 9727890494 |  |  | $xxx | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | 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 |
| xxx | 9729506957 |  |  | $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 |
| xxx | 9729889965 |  |  | $xxx | D | D | D | D | D | A | A | A | A | A | A | A | A | B | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| xxx | 9730739829 |  |  | $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 |
| xxx | 9731072956 |  |  | $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 |
| xxx | 9733307335 |  |  | $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 |
| xxx | 9733504857 |  |  | $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 |
| xxx | 9736506230 |  |  | $xxx | B | B | B | B | B | A | A | A | A | A | A | A | A | B | A | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | A | A | A | B | A | B | B | B | B | B |
| xxx | 9736705964 |  |  | $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 |
| xxx | 9737451584 |  |  | $xxx | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| xxx | 9738338533 |  |  | $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 |
| xxx | 9738516575 |  |  | $xxx | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| xxx | 9738778464 |  |  | $xxx | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | 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 |
| xxx | 9738826016 |  |  | $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 |
| xxx | 9738958652 |  |  | $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 |
| xxx | 9740774576 |  |  | $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 |
| xxx | 9741030150 |  |  | $xxx | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| xxx | 9742520316 |  |  | $xxx | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
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| xxx | 9747712694 |  |  | $xxx | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
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| xxx | 9748147239 |  |  | $xxx | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
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| xxx | 9755515583 |  |  | $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 |
| xxx | 9755576288 |  |  | $xxx | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| xxx | 9756753092 |  |  | $xxx | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | 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 |
| xxx | 9756984689 |  |  | $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 |
| xxx | 9757712766 |  |  | $xxx | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| xxx | 9758753249 |  |  | $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 |
| xxx | 9760104050 |  |  | $xxx | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| xxx | 9760236613 |  |  | $xxx | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| xxx | 9760412685 |  |  | $xxx | A | A | A | A | A | C | C | C | C | C | A | A | A | B | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| xxx | 9760613597 |  |  | $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 |
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| xxx | 9764663333 |  |  | $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 |
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| xxx | 9767959274 |  |  | $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 |
| xxx | 9769066276 |  |  | $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 |
| xxx | 9769478661 |  |  | $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 |
| xxx | 9772617792 |  |  | $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 |
| xxx | 9772641172 |  |  | $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 |
| xxx | 9772901279 |  |  | $xxx | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| xxx | 9773596284 |  |  | $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 |
| xxx | 9774056106 |  |  | $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 |
| xxx | 9775054613 |  |  | $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 |
| xxx | 9775444004 |  |  | $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 |
| xxx | 9775520886 |  |  | $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 |
| xxx | 9776576853 |  |  | $xxx | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| xxx | 9778093683 |  |  | $xxx | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | 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 |
| xxx | 9778165994 |  |  | $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 |
| xxx | 9778180019 |  |  | $xxx | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| xxx | 9781213732 |  |  | $xxx | D | D | D | D | D | A | A | A | A | A | A | A | A | B | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| xxx | 9781802427 |  |  | $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 |
| xxx | 9782466214 |  |  | $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 |
| xxx | 9783151971 |  |  | $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 |
| xxx | 9783373823 |  |  | $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 |
| xxx | 9784020084 |  |  | $xxx | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| xxx | 9784498926 |  |  | $xxx | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| xxx | 9785182982 |  |  | $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 |
| xxx | 9786051400 |  |  | $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 |
| xxx | 9787442012 |  |  | $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 |
| xxx | 9787864967 |  |  | $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 |
| xxx | 9787946491 |  |  | $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 |
| xxx | 9788262989 |  |  | $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 |
| xxx | 9789444206 |  |  | $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 |
| xxx | 9789485449 |  |  | $xxx | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| xxx | 9790152657 |  |  | $xxx | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | 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 |
| xxx | 9791175368 |  |  | $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 |
| xxx | 9796585702 |  |  | $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 |
| xxx | 9797176287 |  |  | $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 |
| xxx | 9798122439 |  |  | $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 |
| xxx | 9799819926 |  |  | $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 |

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## Exhibit 99.6

**Exhibit 99.6 Schedule 3**

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| ASF Loan Number | Loan ID | Seller Loan ID | Investor Loan ID | Seller Name | Loan Program | Documentation Type | Executed NOO Docs in File | Lease In Place Flag | Actual In Place Rent | Third Party Market Rent Estimate | Third Party Rent Source | Actual Short Term Rent Amount | Actual Short Term Rent Source | Short Term Rent Number of Months | Short Term Rental Occupancy Factor | Rental Income Used for Property DSCR Calculation | Rental Source for Property DSCR Calculation | DSCR Calculation Based On Short Rental Income Flag | Property DTI | Originator DSCR | TPR DSCR | PITIA | Gross Rental Income Unit 1 | Lease End Date Unit 1 | Lease Term Unit 1 | Gross Rental Income Unit 2 | Lease End Date Unit 2 | Lease Term Unit 2 | Gross Rental Income Unit 3 | Lease End Date Unit 3 | Lease Term Unit 3 | Gross Rental Income Unit 4 | Lease End Date Unit 4 | Lease Term Unit 4 | Gross Rental Income Unit 5 | Lease End Date Unit 5 | Lease Term Unit 5 | Gross Rental Income Unit 6 | Lease End Date Unit 6 | Lease Term Unit 6 | Gross Rental Income Unit 7 | Lease End Date Unit 7 | Lease Term Unit 7 | Gross Rental Income Unit 8+ | Rent Loss Insurance | Rent Loss Insurance Amount | Fee Amount | Acquisition Cost | Renovation Cost | Effective Gross Income | Turnover Costs | Repairs and Maintenance | Marketing and Leasing Costs | Utilities | Other Costs | Cap Ex Reserve | Section 8 | Blanket Mortgage/Cross Collateral Flag | Number of Years Property Owned | Number of Mortgaged Properties With Lender | Number of Properties Securing Loan | Foreign National Alternative Credit Documentation | Months Reserves | Loan Closed in the name of Business Entity | Vested Business Entity Name | Vested Business Entity Type | Qualifying Primary Borrower Type | Qualifying Primary Borrower First Name | Qualifying Primary Borrower Last Name | Qualifying CoBorrower Type | Qualifying CoBorrower First Name | Qualifying CoBorrower Last Name | Qualifying CoBorrower 2 Type | Qualifying CoBorrower 2 First Name | Qualifying CoBorrower 2 Last Name | Qualifying CoBorrower 3 Type | Qualifying CoBorrower 3 First Name | Qualifying CoBorrower 3 Last Name | Non-Qualifying Guarantor 1 First Name | Non-Qualifying Guarantor 1 Last Name | Non-Qualifying Guarantor 1 Citizenship | Non-Qualifying Guarantor 1 Country Name | Non-Qualifying Guarantor 2 First Name | Non-Qualifying Guarantor 2 Last Name | Non-Qualifying Guarantor 2 Citizenship | Non-Qualifying Guarantor 2 Country Name | Personal Guaranty | Total Number of Guarantors | Personal Guaranty Recourse Level | Business Entity EIN | Primary Appraisal Occupancy |
| xxx | 214797953 |  |  | xxx | DSCR | Debt Service Coverage Ratio | Present | No | 0 | 1450 | Appraisal - 1007 |  | N/A |  |  | 1450 | Appraisal - 1007 | No | 78.01 | 1.282 | 1.282 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 22500 |  |  |  | 1450 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 109.76 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |  |
| xxx | 215021114 |  |  | xxx | xxx | Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.5 | 1 | 1 | N/A | 148.98 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |  |
| xxx | 215027897 |  |  | xxx | xxx | Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 41.01 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |  |
| xxx | 215195439 |  |  | xxx | xxx | Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 165600 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 16.01 | No |  |  | Vested Individual | xxx | xxx | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |  |
| xxx | 215227166 |  |  | xxx | xxx | Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 176.64 | No |  |  | Vested Individual | xxx | xxx | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |  |
| xxx | 215229865 |  |  | xxx | xxx | Full Doc | Present |  |  |  | Appraisal - 1025 |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 11.29 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |  |
| xxx | 215240656 |  |  | xxx | DSCR | Debt Service Coverage Ratio | Present | No | 0 | 2600 | Appraisal - 1007 |  | N/A |  |  | 2600 | Appraisal - 1007 | No | 99.2 | 1.008 | 1.008 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 46300 |  |  |  | 2600 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 173.82 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |  |
| xxx | 215251208 |  |  | xxx | DSCR | Debt Service Coverage Ratio | Present | No | 0 | 3750 | Appraisal - 1007 |  | N/A |  |  | 3750 | Appraisal - 1007 | No | 68.86 | 1.44 | 1.452 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 22500 |  |  |  | 3750 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 14.93 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |  |
| xxx | 215275850 |  |  | xxx | xxx | Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 107.65 | No |  |  | Vested Individual | xxx | xxx | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |  |
| xxx | 9707040268 |  |  | xxx | DSCR | Debt Service Coverage Ratio | Present | No | 0 | 5200 | Appraisal - 1007 |  | N/A |  |  | 5200 | Appraisal - 1007 | No | 130.24 | 0.768 | 0.768 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 75000 |  |  |  | 5200 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 13.35 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |  |
| xxx | 9708648226 |  |  | xxx | DSCR | Debt Service Coverage Ratio | Present | No | 0 | 1331.25 | Appraisal - 1007 |  | N/A |  |  | 1331.25 | Appraisal - 1007 | No | 159.97 | 0.62 | 0.625 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 20000 |  |  |  | 1331.25 |  |  |  |  |  |  |  | No | 3.8 | 1 | 1 | N/A | 13.86 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| xxx | 9708868048 |  |  | xxx | DSCR | Debt Service Coverage Ratio | Present | Yes | 7050 | 7150 | Appraisal - 1007 |  | N/A |  |  | 7050 | Actual In Place Rent | No | 90.94 | 1.09 | 1.1 | xxx | 1800 | 06-xx-2025 | 12 | 1650 | 04-xx-2026 | 12 | 1800 | 11-xx-2025 | 12 | 1800 | 03-xx-2026 | 12 |  |  |  |  |  |  |  |  |  |  | Yes | 33310 |  |  |  | 7050 |  |  |  |  |  |  | No | No |  | 1 | 1 | N/A | 8.36 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | xxx |  |
| xxx | 9709417936 |  |  | xxx | DSCR | Debt Service Coverage Ratio | Present | Yes | 3550 | 3400 | Appraisal - 1007 |  | N/A |  |  | 3400 | Appraisal - 1007 | No | 96.22 | 1.039 | 1.039 | xxx | 3550 | 02-xx-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 43200 |  |  |  | 3400 |  |  |  |  |  |  | No | No |  | 1 | 1 | N/A | 33.63 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |  |
| xxx | 9710261752 |  |  | xxx | DSCR | Debt Service Coverage Ratio | Present | Yes | 1850 | 1775 | Appraisal - 1025 |  | N/A |  |  | 1850 | Actual In Place Rent | No | 88.38 | 1.131 | 1.131 | xxx | 1850 | 10-xx-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 22200 |  |  |  | 1850 |  |  |  |  |  |  | No | No | 1.1 | 1 | 1 | N/A | 20.5 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |  |
| xxx | 9710979106 |  |  | xxx | DSCR | Debt Service Coverage Ratio | Present | No | 0 | 2500 | Appraisal - Narrative |  |  |  |  | 2500 | Appraisal - Narrative | No | 87.7 | 1.13 | 1.14 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 28000 |  |  |  | 2500 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 98.31 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | xxx |  |
| xxx | 9712004754 |  |  | xxx | xxx | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 134.45 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |  |
| xxx | 9713743061 |  |  | xxx | DSCR | Debt Service Coverage Ratio | Present | No | 0 | 1300 | Appraisal - 1007 |  |  |  |  | 1300 | Appraisal - 1007 | No | 65.97 | 1.516 | 1.516 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18000 |  |  |  | 1300 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 217.36 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |  |
| xxx | 9720922906 |  |  | xxx | DSCR | Debt Service Coverage Ratio | Present | Yes | 1500 | 1700 | Appraisal - 1007 |  |  |  |  | 1500 | Actual In Place Rent | No | 88.86 | 1.125 | 1.125 | xxx | 1500 | 05-xx-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18000 |  |  |  | 1500 |  |  |  |  |  |  | No | No | 17.2 | 1 | 1 | N/A | 91.16 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |  |
| xxx | 9721245083 |  |  | xxx | DSCR | Debt Service Coverage Ratio | Present | Yes | 1700 | 5100 | Appraisal - 1025 |  | N/A |  |  | 5100 | Appraisal - 1025 | No | 67.63 | 1.01 | 1.015 | xxx | 1700 | 02-xx-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 155000 |  |  |  | 5100 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 18.59 | No |  |  | Vested Individual | xxx | xxx | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |  |
| xxx | 9722946531 |  |  | xxx | DSCR | Debt Service Coverage Ratio | Present | No | 0 | 3000 | Appraisal - 1025 |  | N/A |  |  | 3000 | Appraisal - 1025 | No | 81.78 | 1.22 | 1.223 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 39090 |  |  |  | 3000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 203.22 | No |  |  | Vested Individual | xxx | xxx | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |  |
| xxx | 9724918470 |  |  | xxx | DSCR | Debt Service Coverage Ratio | Present | No | 0 | 6100 | Appraisal - 1025 |  | N/A |  |  | 6100 | Appraisal - 1025 | No | 67.33 | 1.485 | 1.485 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 36600 |  |  |  | 6100 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 20.55 | No |  |  | Vested Individual | xxx | xxx | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |  |
| xxx | 9729506957 |  |  | xxx | DSCR | Debt Service Coverage Ratio | Present | Yes | 2125 | 2050 | Appraisal - 1007 |  |  |  |  | 2050 | Appraisal - 1007 | No | 99.74 | 1 | 1.003 | xxx | 2125 | 07-xx-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 31400 |  |  |  | 2050 |  |  |  |  |  |  | No | No | 0.6 | 1 | 1 | N/A | 8.76 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |  |
| xxx | 9731072956 |  |  | xxx | DSCR | Debt Service Coverage Ratio | Present | Yes | 4850 | 6200 | Appraisal - 1025 |  | N/A |  |  | 4850 | Actual In Place Rent | No | 91.99 | 1.087 | 1.087 | xxx | 1550 | 07-xx-2025 | 12 | 1100 | 07-xx-2025 | 12 | 1200 | 07-xx-2025 | 12 | 1000 | 07-xx-2025 | 12 |  |  |  |  |  |  |  |  |  |  | Yes | 74400 |  |  |  | 4850 |  |  |  |  |  |  | No | No |  | 1 | 1 | N/A | 8.24 | No |  |  | Vested Individual | xxx | xxx | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |  |
| xxx | 9736705964 |  |  | xxx | DSCR | Debt Service Coverage Ratio | Present | No | 0 | 2100 | Appraisal - 1007 |  | N/A |  |  | 2100 | Appraisal - 1007 | No | 97.95 | 1.021 | 1.021 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 33600 |  |  |  | 2100 |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 48.49 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |  |
| xxx | 9738338533 |  |  | xxx | DSCR | Debt Service Coverage Ratio | Present | Yes | 3599 | 3500 | Appraisal - 1025 |  | N/A |  |  | 3500 | Appraisal - 1025 | No | 79.59 | 1.29 | 1.256 | xxx | 1750 | 02-xx-2026 | 12 | 1849 | 04-xx-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 6000 |  |  |  | 3500 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 59.91 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |  |
| xxx | 9738826016 |  |  | xxx | xxx | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 16.12 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |  |
| xxx | 9738958652 |  |  | xxx | DSCR | Debt Service Coverage Ratio | Present | No | 0 | 2150 | Appraisal - 1007 |  |  |  |  | 2150 | Appraisal - 1007 | No | 103.03 | 0.98 | 0.971 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 39330 |  |  |  | 2150 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 12.28 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |  |
| xxx | 9745519885 |  |  | xxx | DSCR | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 4883.33 | AirDNA | 12 | 51.00% | 4883.33 | AirDNA | Yes | 28.37 | 3.52 | 3.525 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30000 |  |  |  | 4883.33 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 123.48 | No |  |  | Vested Individual | xxx | xxx | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |  |
| xxx | 9746148122 |  |  | xxx | DSCR | Debt Service Coverage Ratio | Present | Yes | 1700 | 1675 | Appraisal - 1007 |  | N/A |  |  | 1675 | Appraisal - 1007 | No | 88.31 | 1.132 | 1.132 | xxx | 1700 | 05-xx-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25000 |  |  |  | 1675 |  |  |  |  |  |  | No | No | 4.8 | 1 | 1 | N/A | 106.36 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |  |
| xxx | 9748140317 |  |  | xxx | DSCR | Debt Service Coverage Ratio | Present | Yes | 2000 | 2050 | Appraisal - 1007 |  |  |  |  | 2000 | Actual In Place Rent | No | 97.64 | 1.02 | 1.024 | xxx | 2000 | 08-xx-2026 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 24600 |  |  |  | 2000 |  |  |  |  |  |  | No | No |  | 1 | 1 | N/A | 99.56 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |  |
| xxx | 9748147239 |  |  | xxx | xxx | 12 Month Bank Statement | Present | Subject Owner Occupied/Vacant |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 58758 |  |  |  |  |  |  |  |  |  |  |  | No | 0.1 | 1 | 1 | N/A | 29.38 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |  |
| xxx | 9750033640 |  |  | xxx | DSCR | Debt Service Coverage Ratio | Present | No | 0 | 1770 | Appraisal - 1007 |  | N/A |  |  | 1770 | Appraisal - 1007 | No | 57.11 | 1.751 | 1.751 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 21240 |  |  |  | 1770 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 10.03 | No |  |  | Vested Individual | xxx | xxx | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |  |
| xxx | 9752632878 |  |  | xxx | DSCR | Debt Service Coverage Ratio | Present | Yes | 3900 | 3200 | Appraisal - 1007 |  |  |  |  | 3200 | Appraisal - 1007 | No | 70.17 | 1.41 | 1.425 | xxx | 2300 | 05-xx-2026 | 177 | 1600 | 02-xx-2026 | 180 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 40999 |  |  |  | 3200 |  |  |  |  |  |  | No | No | 7.8 | 1 | 1 | N/A | 74.52 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |  |
| xxx | 9755016053 |  |  | xxx | DSCR | Debt Service Coverage Ratio | Present | Yes | 1995 | 2400 | Appraisal - 1007 |  | N/A |  |  | 1995 | Actual In Place Rent | No | 99.99 | 1 | 1 | xxx | 1995 | 07-xx-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 23936.52 |  |  |  | 1995 |  |  |  |  |  |  | No | No | 0.7 | 1 | 1 | N/A | 56.58 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |  |
| xxx | 9755576288 |  |  | xxx | DSCR | Debt Service Coverage Ratio | Present | Yes | 2358.5 | 2550 | Appraisal - 1007 |  |  |  |  | 2358.5 | Actual In Place Rent | No | 82.87 | 1.2 | 1.207 | xxx | 1275 | 12-xx-2025 | 12 | 1083.5 | 07-xx-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 23453.64 |  |  |  | 2358.5 |  |  |  |  |  |  | No | No | 6.8 | 1 | 1 | N/A | 58.1 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |  |
| xxx | 9757712766 |  |  | xxx | DSCR | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 2200 | AirDNA | 12 | 75.00% | 2200 | AirDNA | Yes | 136.71 | 0.731 | 0.731 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25400 |  |  |  | 2200 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 86.77 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |  |
| xxx | 9760104050 |  |  | xxx | DSCR | Debt Service Coverage Ratio | Present | Yes | 3340 | 3600 | Appraisal - 1007 |  | N/A |  |  | 3340 | Actual In Place Rent | No | 85.85 | 1.165 | 1.165 | xxx | 1670 | 06-xx-2026 | 12 | 1670 | 06-xx-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 45000 |  |  |  | 3340 |  |  |  |  |  |  | No | No |  | 1 | 1 | N/A | 60.37 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | xxx |  |
| xxx | 9760236613 |  |  | xxx | xxx | 12 Month Bank Statement | Present | Subject Owner Occupied/Vacant |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2 | 1 | N/A | 63.09 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |  |
| xxx | 9760613597 |  |  | xxx | DSCR | Debt Service Coverage Ratio | Present | No | 0 | 6225 | Appraisal - 1007 |  | N/A |  |  | 6225 | Appraisal - 1007 | No | 67.88 | 1.1 | 1.105 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 6225 |  |  |  |  |  |  |  | No | 5 | 1 | 1 | N/A | 33.28 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |  |
| xxx | 9772641172 |  |  | xxx | xxx | 24 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 74.5 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |  |
| xxx | 9774056106 |  |  | xxx | xxx | Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 24.46 | No |  |  | Vested Individual | xxx | xxx | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |  |
| xxx | 9775054613 |  |  | xxx | DSCR | Debt Service Coverage Ratio | Present | No | 0 | 1500 | Appraisal - 1007 |  | N/A |  |  | 1500 | Appraisal - 1007 | No | 65.8 | 1.51 | 1.52 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 21100 |  |  |  | 1500 |  |  |  |  |  |  |  | No | 0 | 3 | 1 | N/A | 141.98 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |  |
| xxx | 9776576853 |  |  | xxx | DSCR | Debt Service Coverage Ratio | Present | Yes | 5570 | 5570 | Appraisal - 1007 |  | N/A |  |  | 5570 | Appraisal - 1007 | No | 59.96 | 1.64 | 1.668 | xxx | 1870 | 06-xx-2026 | 12 | 3700 | 06-xx-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 24130 |  |  |  | 5570 |  |  |  |  |  |  | No | No | 0.7 | 1 | 1 | N/A | 65.1 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | xxx |  |
| xxx | 9778093683 |  |  | xxx | DSCR | Debt Service Coverage Ratio | Present | Yes | 2950 | 3700 | Appraisal - 1025 |  | N/A |  |  | 2950 | Actual In Place Rent | No | 71.5 | 1.39 | 1.399 | xxx | 800 | 05-xx-2026 | 12 | 850 | 08-xx-2025 | 12 | 1300 | 12-xx-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 152400 |  |  |  | 2950 |  |  |  |  |  |  | No | No | 17.7 | 1 | 1 | N/A | 62.77 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |  |
| xxx | 9778165994 |  |  | xxx | DSCR | Debt Service Coverage Ratio | Present | Yes | 1445 | 1700 | Appraisal - 1007 |  | N/A |  |  | 1445 | Actual In Place Rent | No | 68.51 | 1.45 | 1.46 | xxx | 595 | 05-xx-2023 | 1 | 850 | 07-xx-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 11901.72 |  |  |  | 1445 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 38 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |  |
| xxx | 9778180019 |  |  | xxx | DSCR | Debt Service Coverage Ratio | Present | No | 0 | 1700 | Appraisal - 1007 |  | N/A |  |  | 1700 | Appraisal - 1007 | No | 107.27 | 0.932 | 0.932 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1700 |  |  |  | 1700 |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 11.59 | No |  |  | Vested Individual | xxx | xxx | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |  |
| xxx | 9783151971 |  |  | xxx | DSCR | Debt Service Coverage Ratio | Present | Yes | 3000 | 3200 | Appraisal - 1025 |  | N/A |  |  | 3000 | Actual In Place Rent | No | 78.7 | 1.038 | 1.038 | xxx | 650 | 10-xx-2025 | 12 | 850 | 11-xx-2025 | 12 | 550 | 08-xx-2025 | 1 | 950 | 11-xx-2025 | 12 |  |  |  |  |  |  |  |  |  |  | Yes | 55000 |  |  |  | 3000 |  |  |  |  |  |  | No | No | 19 | 1 | 1 | N/A | 78.17 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |  |
| xxx | 9783373823 |  |  | xxx | DSCR | Debt Service Coverage Ratio | Present | Yes | 2600 | 2600 | Appraisal - 1007 |  |  |  |  | 2600 | Actual In Place Rent | No | 88.4 | 1.131 | 1.131 | xxx | 2600 | 09-xx-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 6000 |  |  |  | 2600 |  |  |  |  |  |  | No | No |  | 1 | 1 | N/A | 81.13 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |  |
| xxx | 9787442012 |  |  | xxx | DSCR | Debt Service Coverage Ratio | Present | Yes | 1724 | 1800 | Appraisal - 1007 |  | N/A |  |  | 1724 | Actual In Place Rent | No | 95.85 | 1.043 | 1.043 | xxx | 1724 | 06-xx-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 21600 |  |  |  | 1724 |  |  |  |  |  |  | No | No | 5.1 | 1 | 1 | N/A | 31.81 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |  |
| xxx | 9787864967 |  |  | xxx | DSCR | Debt Service Coverage Ratio | Present | No | 0 | 5041.67 | Appraisal - 1007 |  | N/A |  |  | 5041.67 | Appraisal - 1007 | No | 88.62 | 1.2 | 1.128 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 5041.67 |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 16.15 | No |  |  | Vested Individual | xxx | xxx | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |  |
| xxx | 9788262989 |  |  | xxx | DSCR | Debt Service Coverage Ratio | Present | Yes | 2700 | 4400 | Appraisal - 1025 |  |  |  |  | 4400 | Appraisal - 1025 | No | 73.34 | 1.35 | 1.363 | xxx | 0 | 07-xx-2026 | 1 | 2700 | 07-xx-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 35200 |  |  |  | 4400 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 78.21 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |  |
| xxx | 9789444206 |  |  | xxx | xxx | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 177190 |  |  |  |  |  |  |  |  |  |  |  | No | 1.7 | 1 | 1 | N/A | 40.53 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |  |
| xxx | 9791175368 |  |  | xxx | DSCR | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 5350 | AirDNA | 24 | 59.00% | 5350 | AirDNA | Yes | 66.34 | 1.5 | 1.507 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 65400 |  |  |  | 5350 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 46.94 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |  |
| xxx | 9796585702 |  |  | xxx | DSCR | Debt Service Coverage Ratio | Present | No | 0 | 5300 | Appraisal - 1025 |  | N/A |  |  | 5300 | Appraisal - 1025 | No | 99.22 | 1 | 1.008 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 74900 |  |  |  | 5300 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 26.35 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |  |
| xxx | 9799819926 |  |  | xxx | DSCR | Debt Service Coverage Ratio | Present | No | 0 | 2825 | Appraisal - 1007 |  | N/A |  |  | 2825 | Appraisal - 1007 | No | 95.89 | 1.043 | 1.043 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 16252.98 |  |  |  | 2825 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 19.28 | No |  |  | Vested Individual | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |  |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 4**

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| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| xxx | xxx | 215077108 |  |  | Closed | 2025-xx-16 10:41 | 2025-xx-16 10:41 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/xx/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/xx/2025<br>|  |  |  | LA | Primary Residence | Refinance | Cash Out - Other | 4836509 | Investor Post-Close | No |
| xxx | xxx | 215190059 |  |  | Closed | 2025-xx-24 08:43 | 2025-xx-15 09:22 | Cured | 2 - Non-Material | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Cured-Received PCCD with cure. This finding is deemed non-material and will be rated an B. - Due Diligence Vendor-08/xx/2025 <br> Resolved- - Due Diligence Vendor-08/xx/2025 <br> Resolved- - Due Diligence Vendor-08/xx/2025 <br> Ready for Review-Document Uploaded. Disagree - Refund of Check & LOX and Proof of Delivery in the file. We don't require a new CD because the refund of the fee makes the CD signed at closing correct. - Buyer-08/xx/2025 <br> Open-The disclosed finance charge ($379,282.84) is ($181.95) below the actual finance charge($379,464.79). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) Provide Letter of Explanation, Proof of Restitution, Disclose Correct Information, and Proof of Delivery to Borrower. - Due Diligence Vendor-08/xx/2025 <br> Open- - Due Diligence Vendor-08/xx/2025 <br> Open- - Due Diligence Vendor-07/xx/2025 <br> Open- - Due Diligence Vendor-07/xx/2025 <br> Open- - Due Diligence Vendor-07/xx/2025 |  | Cured-Received PCCD with cure. This finding is deemed non-material and will be rated an B. - Due Diligence Vendor-08/xx/2025 <br>Resolved-xx- Due Diligence Vendor-08/xx/2025<br>| XX |  |  | NJ | Primary Residence | Purchase | NA | 4931276 | N/A | N/A |
| xxx | xxx | 215195439 |  |  | Closed | 2025-xx-19 10:45 | 2025-xx-19 10:45 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-08/xx/2025 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-08/xx/2025<br>|  |  |  | IN | Investment | Purchase | NA | 5232669 | Originator Post-Close | No |
| xxx | xxx | 215207861 |  |  | Closed | 2025-xx-15 06:27 | 2025-xx-18 09:43 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Application date updated, finding resolved. - Due Diligence Vendor-08/xx/2025 <br> Counter- - Due Diligence Vendor-08/xx/2025 <br> Counter-Received 1003 reflecting an LO signature date of 09/xx/2023. The loan file includes a Disclosure Tracking Summary reflecting an application date of 09/xx/2023 and the xxx report in the loan file reflected an application date of 09/xx/2023. The audit included Saturdays. If the originator/lender is closed on Saturdays, please provide an attestation from the origination/lender to indicate they are closed for business on Saturdays. Condition remains. - Due Diligence Vendor-08/xx/2025 <br> Ready for Review-Document Uploaded. Disagree – Initial Application Date is 9/xx/2025 - Investor-08/xx/2025 <br> Open-The Initial Disclosure Date (2023-xx-20) is more than 3 business days from the Application Date (2023-xx-15). Three business days from the Application Date is (2023-xx-19). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The initial Loan Estimate is dated 09/xx/2023 and the application date is 09/xx/2023. No Cure.<br> The application date is 09/xx/2023; however, the initial disclosures were not provided until 09/xx/2023. Provide evidence the lender was not open for business on Saturday for purposes of disclosure timing. Additional conditions may apply. This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-07/xx/2025 <br> Open- - Due Diligence Vendor-07/xx/2025 <br> Open- - Due Diligence Vendor-07/xx/2025 <br> Open- - Due Diligence Vendor-07/xx/2025 |  | Resolved-Application date updated, finding resolved. - Due Diligence Vendor-08/xx/2025<br>| XX |  |  | SD | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4816556 | N/A | N/A |
| xxx | xxx | 215207861 |  |  | Closed | 2025-xx-15 06:27 | 2025-xx-18 09:42 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-Application date updated, finding resolved. - Due Diligence Vendor-08/xx/2025 <br> Counter- - Due Diligence Vendor-08/xx/2025 <br> Counter-Received 1003 reflecting an LO signature date of 09/xx/2023. The loan file includes a Disclosure Tracking Summary reflecting an application date of 09/xx/2023 and the xxx report in the loan file reflected an application date of 09/xx/2023. The audit included Saturdays. If the originator/lender is closed on Saturdays, please provide an attestation from the origination/lender to indicate they are closed for business on Saturdays. Condition remains. - Due Diligence Vendor-08/xx/2025 <br> Ready for Review-Document Uploaded. Disagree – Initial Application Date is 9/xx/2025 - Buyer-08/xx/2025 <br> Open-The Homeownership Counseling Organization Disclosure Sent Date (2023-xx-20) is more than 3 business days from the Application Date (2023-xx-15). Three business days from the Application Date is (2023-xx-19). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-07/xx/2025 <br> Open- - Due Diligence Vendor-07/xx/2025 <br> Open- - Due Diligence Vendor-07/xx/2025 <br> Open- - Due Diligence Vendor-07/xx/2025 |  | Resolved-Application date updated, finding resolved. - Due Diligence Vendor-08/xx/2025<br>| XX |  |  | SD | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4816555 | N/A | N/A |
| xxx | xxx | 215257312 |  |  | Closed | 2025-xx-19 12:15 | 2025-xx-17 15:06 | Resolved | 1 - Information | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Partially Provided | Resolved-Received Homeownership Counseling Disclosure. Condition cleared. - Due Diligence Vendor-09/xx/2025 <br>Ready for Review-Document Uploaded. uploaded counseling - Buyer-09/xx/2025 <br>Open-The disclosure included only a website link instead of the actual list of counseling agencies. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-08/xx/2025 |  | Resolved-Received Homeownership Counseling Disclosure. Condition cleared. - Due Diligence Vendor-09/xx/2025<br>| XX |  |  | CO | Second Home | Purchase | NA | 5235477 | N/A | N/A |
| xxx | xxx | 215270141 |  |  | Closed | 2025-xx-07 12:20 | 2025-xx-29 18:24 | Acknowledged | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Acknowledged-xx- Due Diligence Vendor-10/xx/2025 <br>Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A" - Due Diligence Vendor-10/xx/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/xx/2025 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-08/xx/2025 |  | Acknowledged-xx- Due Diligence Vendor-10/xx/2025 <br>Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A" - Due Diligence Vendor-10/xx/2025<br>| XX |  |  | NC | Second Home | Purchase | NA | 5096352 | Originator Post-Close | No |
| xxx | xxx | 215316597 |  |  | Closed | 2025-xx-23 15:51 | 2025-xx-30 11:54 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/xx/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/xx/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 4925780 | Investor Post-Close | No |
| xxx | xxx | 9707177367 |  |  | Closed | 2025-xx-26 14:41 | 2025-xx-08 13:09 | Resolved | 1 - Information | Credit | Missing Doc | Missing Payoff Statement for prior loan | Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-07/xx/2025 <br>Ready for Review-Document Uploaded. Please see attached payoff statements. - Buyer-07/xx/2025 <br>Open-Missing Payoff Statement for prior loan. The loan file is missing payoff statements for both 1st and 2nd mortgages. - Due Diligence Vendor-06/xx/2025 |  | Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-07/xx/2025<br>| XX |  |  | CO | Primary Residence | Refinance | Cash Out - Other | 4577015 | N/A | N/A |
| xxx | xxx | 9709417936 |  |  | Closed | 2025-xx-09 05:57 | 2025-xx-05 15:32 | Resolved | 1 - Information | Compliance | Missing Doc | PUD Rider is Missing | Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-08/xx/2025 <br>Ready for Review-Document Uploaded. mortgage - Buyer-08/xx/2025 <br>Open-Missing Mortgage Riders – PUD Rider - Due Diligence Vendor-07/xx/2025 |  | Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-08/xx/2025<br>| XX |  |  | FL | Investment | Refinance | Cash Out - Other | 4745420 | N/A | N/A |
| xxx | xxx | 9712322099 |  |  | Closed | 2025-xx-15 11:13 | 2025-xx-15 16:45 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. . - Due Diligence Vendor-07/xx/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. . - Due Diligence Vendor-07/xx/2025<br>|  |  |  | FL | Second Home | Purchase | NA | 4822609 | Investor Post-Close | No |
| xxx | xxx | 9714773455 |  |  | Closed | 2025-xx-01 07:54 | 2025-xx-01 07:54 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/xx/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/xx/2025<br>|  |  |  | NY | Primary Residence | Purchase | NA | 5020148 | Investor Post-Close | No |
| xxx | xxx | 9718867469 |  |  | Closed | 2025-xx-08 07:56 | 2025-xx-04 13:23 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Cured-Lender provided cure as principal reduction with LOX, PCCD, delivery was electronic-per lender, finding will be rated EV2. - Due Diligence Vendor-08/xx/2025 <br> Ready for Review-Document Uploaded. pccd - Buyer-08/xx/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The Loan Estimate, dated 06/xx/2025, reflect a Credit Report Fee $105. Final CD dated 06/xx/2025 reflects a Credit Report Fee of $222.00 The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $117.00 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-07/xx/2025 <br> Open- - Due Diligence Vendor-07/xx/2025 |  | Cured-Lender provided cure as principal reduction with LOX, PCCD, delivery was electronic-per lender, finding will be rated EV2. - Due Diligence Vendor-08/xx/2025<br>| XX |  |  | AZ | Primary Residence | Purchase | NA | 4720369 | N/A | N/A |
| xxx | xxx | 9718867469 |  |  | Closed | 2025-xx-08 07:56 | 2025-xx-04 13:07 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Cured-Lender provided cure as principal reduction with LOX, PCCD, delivery was electronic-per lender, finding will be rated EV2. - Due Diligence Vendor-08/xx/2025 <br>Ready for Review-Document Uploaded. pccd - Buyer-08/xx/2025 <br>Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The Loan Estimate, dated 06/xx/2025, reflect a Credit Report Fee $105. Final CD dated 06/xx/2025 reflects a Credit Report Fee of $222.00 The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $117.00 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-07/xx/2025 <br>Open- - Due Diligence Vendor-07/xx/2025 |  | Cured-Lender provided cure as principal reduction with LOX, PCCD, delivery was electronic-per lender, finding will be rated EV2. - Due Diligence Vendor-08/xx/2025<br>| XX |  |  | AZ | Primary Residence | Purchase | NA | 4720368 | N/A | N/A |
| xxx | xxx | 9724918470 |  |  | Closed | 2025-xx-12 15:03 | 2025-xx-20 09:34 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Lender provided Business Purpose Affidavit-Finding Resolved. - Due Diligence Vendor-08/xx/2025 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-08/xx/2025 <br>Ready for Review-Document Uploaded. Business Purpose Affidavit is attached. - Buyer-08/xx/2025 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-08/xx/2025 |  | Resolved-Lender provided Business Purpose Affidavit-Finding Resolved. - Due Diligence Vendor-08/xx/2025 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-08/xx/2025<br>| XX |  |  | MA | Investment | Purchase | NA | 5152049 | N/A | N/A |
| xxx | xxx | 9724918470 |  |  | Closed | 2025-xx-12 15:21 | 2025-xx-14 08:25 | Resolved | 1 - Information | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Lender provided bank stmts-Finding resolved - Due Diligence Vendor-08/xx/2025 <br> Ready for Review-Document Uploaded. Please see attached bank statements. - Buyer-08/xx/2025 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Missing additional month bank statement for xxx account. Two months of statements are required. - Due Diligence Vendor-08/xx/2025 |  | Resolved-Lender provided bank stmts-Finding resolved - Due Diligence Vendor-08/xx/2025<br>| XX |  |  | MA | Investment | Purchase | NA | 5152320 | N/A | N/A |
| xxx | xxx | 9727356934 |  |  | Closed | 2025-xx-26 12:41 | 2025-xx-11 13:47 | Resolved | 1 - Information | Compliance | Missing Doc | Dry Funding State - Missing Confirmation of Final Figures | Resolved-Received PCCD. Condition cleared. - Due Diligence Vendor-07/xx/2025 <br>Ready for Review-Document Uploaded. Please see attached final settlement statement and PCCD. - Buyer-07/xx/2025 <br>Open- - Due Diligence Vendor-07/xx/2025 <br>Acknowledged-Subject property is located in a dry funding state. Missing affirmation that final fees were provided to the borrower at consummation or a PCCD with final figures. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-06/xx/2025 |  | Resolved-Received PCCD. Condition cleared. - Due Diligence Vendor-07/xx/2025 <br>Acknowledged-Subject property is located in a dry funding state. Missing affirmation that final fees were provided to the borrower at consummation or a PCCD with final figures. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-06/xx/2025<br>| XX |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 4574693 | N/A | N/A |
| xxx | xxx | 9727890494 |  |  | Closed | 2025-xx-26 12:52 | 2025-xx-23 08:15 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 6.52 month(s) are greater than or equal to Guideline Required Reserves of 0 month(s) - Due Diligence Vendor-07/xx/2025 <br> Resolved-Audited Reserves of 5.3 month(s) are greater than or equal to Guideline Required Reserves of 0 month(s) - Due Diligence Vendor-07/xx/2025 <br> Ready for Review-UW response: Rate and Term Refinance transactions do not require reserves if the following are met: our loan amount is xxx (less than 1.5),<br> a primary residence, Mortgage history is 0x30x12 on all mortgages, have a full 18-month payment history on current mortgage. Subject property housing payment is decreasing by 550 per mo, Borrower does not have a prior bankruptcy, foreclosure, short sale, DIL, pre?foreclosure, or mortgage charge-off.<br>Access letters were provided. - Investor-07/xx/2025 <br> Open-Audited Reserves of 5.3 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-07/xx/2025 <br> Ready for Review-Document Uploaded. Please see attached access letters. - Investor-07/xx/2025 <br> Open-Audited Reserves of 5.3 month(s) are less than Guideline Required Reserves of 6 month(s) Verified assets of $56,055.71 minus cash to close of $10,533.57 equals $45,522.14 or 5.3 months reserves which is less than the required $51,560.28 or 6 months reserves, a shortage of $6,038.13.<br> - Due Diligence Vendor-06/xx/2025 |  | Resolved-Audited Reserves of 6.52 month(s) are greater than or equal to Guideline Required Reserves of 0 month(s) - Due Diligence Vendor-07/xx/2025 <br>Resolved-Audited Reserves of 5.3 month(s) are greater than or equal to Guideline Required Reserves of 0 month(s) - Due Diligence Vendor-07/xx/2025<br>| XX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4574904 | N/A | N/A |
| xxx | xxx | 9727890494 |  |  | Closed | 2025-xx-26 12:48 | 2025-xx-09 12:04 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-07/xx/2025 <br>Ready for Review-Document Uploaded. Please see attached access letters. - Seller-07/xx/2025 <br>Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements 1) Insufficient reserves and 2) Incomplete Access Letter for business account - not signed by all other shareholders. - Due Diligence Vendor-06/xx/2025 | Ready for Review-Document Uploaded. Please see attached access letters. - Seller-07/xx/2025<br>| Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-07/xx/2025<br>| XX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4574859 | N/A | N/A |
| xxx | xxx | 9727890494 |  |  | Closed | 2025-xx-26 12:48 | 2025-xx-09 12:00 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified Assets for Reserves Post-Close of $56055.71 is equal to or greater than Total Required Reserve Amount of $51560.28 - Due Diligence Vendor-07/xx/2025 <br> Ready for Review-UW response: Rate and Term Refinance transactions do not require reserves if the following are met: our loan amount is xxx (less than 1.5),<br> a primary residence, Mortgage history is 0x30x12 on all mortgages, have a full 18-month payment history on current mortgage. Subject property housing payment is decreasing by 550 per mo, Borrower does not have a prior bankruptcy, foreclosure, short sale, DIL, pre?foreclosure, or mortgage charge-off.<br>Access letters were provided. - Buyer-07/xx/2025 <br> Open-Total Qualified Assets for Reserves Post-Close of $45522.14 is less than Total Required Reserve Amount of $51560.28 - Due Diligence Vendor-07/xx/2025 <br> Ready for Review-Document Uploaded. Please see attached access letters. - Seller-07/xx/2025 <br> Open-Total Qualified Assets for Reserves Post-Close of $45522.14 is less than Total Required Reserve Amount of $51560.28 Verified assets of $56,055.71 minus cash to close of $10,533.57 equals $45,522.14 or 5.3-months reserves which is less than the required $51,560.28 or 6 months reserves, a shortage of $6,038.13. - Due Diligence Vendor-06/xx/2025 | Ready for Review-Document Uploaded. Please see attached access letters. - Seller-07/xx/2025<br>| Resolved-Total Qualified Assets for Reserves Post-Close of $56055.71 is equal to or greater than Total Required Reserve Amount of $51560.28 - Due Diligence Vendor-07/xx/2025<br>| XX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4574858 | N/A | N/A |
| xxx | xxx | 9727890494 |  |  | Closed | 2025-xx-30 14:44 | 2025-xx-09 11:31 | Resolved | 1 - Information | Credit | Assets | Asset General | Resolved-Lender provided access letter with all parties executed, finding resolved. - Due Diligence Vendor-07/xx/2025 <br> Ready for Review-UW response: Rate and Term Refinance transactions do not require reserves if the following are met: our loan amount is xxx (less than 1.5),<br> a primary residence, Mortgage history is 0x30x12 on all mortgages, have a full 18-month payment history on current mortgage. Subject property housing payment is decreasing by 550 per mo, Borrower does not have a prior bankruptcy, foreclosure, short sale, DIL, pre?foreclosure, or mortgage charge-off.<br>Access letters were provided. - Investor-07/xx/2025 <br> Counter-Lender provided CPA Access letter with two signatures, finding maintained - Due Diligence Vendor-07/xx/2025 <br> Ready for Review-Document Uploaded. Please see attached access letter, signed by each shareholder. - Buyer-07/xx/2025 <br> Open-Borrower was qualified with business funds. Per Guidelines, business assets are permitted subject to certain conditions. If borrower owns > 25% and < 100% of the business, 75% of the account balance may be used but a written approval, from all other owners, that the assets are eligible to be used by the borrower for the transaction, should be provided. Per the CPA letter, borrower is 33.33% owner and the remaining 66.67% are owned by two other shareholders. The access letter was only signed by one other shareholder. - Due Diligence Vendor-06/xx/2025 |  | Resolved-Lender provided access letter with all parties executed, finding resolved. - Due Diligence Vendor-07/xx/2025<br>| XX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4607238 | N/A | N/A |
| xxx | xxx | 9727890494 |  |  | Closed | 2025-xx-30 13:58 | 2025-xx-09 11:29 | Resolved | 1 - Information | Compliance | Right to Rescind | TILA: Incorrect NORTC model provided - H9 | Resolved-Servicer is division of lender, finding resolved. - Due Diligence Vendor-07/xx/2025 <br> Ready for Review-The loan is a refinance and the payoff was from xxx, which is xxx Servicer. Finding is invalid. - Investor-07/xx/2025 <br> Open-TILA: Incorrect NORTC model provided - H9 H-9 used for New Lender, should be H-8. - Due Diligence Vendor-06/xx/2025 |  | Resolved-Servicer is division of lender, finding resolved. - Due Diligence Vendor-07/xx/2025<br>|  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4606470 | N/A | N/A |
| xxx | xxx | 9727890494 |  |  | Closed | 2025-xx-30 13:59 | 2025-xx-09 11:25 | Resolved | 1 - Information | Compliance | Missing Doc | Dry Funding State - Missing Confirmation of Final Figures | Resolved-Lender provided PCCD and xxx, finding resolved. - Due Diligence Vendor-07/xx/2025 <br> Ready for Review-Document Uploaded. Please see attached PCCD and final settlement statement. - Investor-07/xx/2025 <br> Open- - Due Diligence Vendor-07/xx/2025 <br> Acknowledged-Subject property is located in a dry funding state. Missing affirmation that final fees were provided to the borrower at consummation or a PCCD with final figures. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-06/xx/2025 |  | Resolved-Lender provided PCCD and Final Alta, finding resolved. - Due Diligence Vendor-07/xx/2025 <br>Acknowledged-Subject property is located in a dry funding state. Missing affirmation that final fees were provided to the borrower at consummation or a PCCD with final figures. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-06/xx/2025<br>| XX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4606482 | N/A | N/A |
| xxx | xxx | 9729889965 |  |  | Closed | 2025-xx-26 08:14 | 2025-xx-08 13:28 | Resolved | 1 - Information | Credit | Missing Doc | Missing Payoff Statement for prior loan | Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-07/xx/2025 <br>Ready for Review-Document Uploaded. Please see attached payoff statement. - Buyer-07/xx/2025 <br>Open-Missing Payoff Statement for prior loan. - Due Diligence Vendor-06/xx/2025 |  | Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-07/xx/2025<br>| XX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 4568872 | N/A | N/A |
| xxx | xxx | 9729889965 |  |  | Closed | 2025-xx-02 12:53 | 2025-xx-02 12:53 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/xx/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/xx/2025<br>|  |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 4634775 | Investor Post-Close | No |
| xxx | xxx | 9736506230 |  |  | Closed | 2025-xx-23 13:59 | 2025-xx-30 08:46 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/xx/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/xx/2025<br>|  |  |  | NY | Primary Residence | Purchase | NA | 4923785 | Originator Pre-Close | Yes |
| xxx | xxx | 9736506230 |  |  | Closed | 2025-xx-23 13:59 | 2025-xx-30 08:46 | Waived | 2 - Non-Material | Credit | Eligibility | Ineligible Property Type | Waived-Property type is ineligible due to Land area is Greater than XXX acers and design style is Log home. Property type is ineligible due to acreage of XXX acres which is greater than 20.00 acres maximum and property type of Log Home. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-07/xx/2025 |  | Waived-Property type is ineligible due to Land area is Greater than XXX acers and design style is Log home. Property type is ineligible due to acreage of XXX acres which is greater than 20.00 acres maximum and property type of Log Home. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-07/xx/2025 |  |  | Minimum FICO: 777 <br> Maximum DTI: 38 <br> Maximum LTV: 85 <br> Minimum Reserves: 120,000 | NY | Primary Residence | Purchase | NA | 4923784 | Originator Pre-Close | Yes |
| xxx | xxx | 9737451584 |  |  | Closed | 2025-xx-15 10:47 | 2025-xx-21 08:35 | Resolved | 1 - Information | Credit | Missing Doc | Missing Payoff Statement for prior loan | Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-07/xx/2025 <br>Ready for Review-Document Uploaded. Please see attached mortgage payoff. - Buyer-07/xx/2025 <br>Open-Missing Payoff Statement for prior loan. - Due Diligence Vendor-07/xx/2025 |  | Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-07/xx/2025<br>| XX |  |  | AZ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4821986 | N/A | N/A |
| xxx | xxx | 9738516575 |  |  | Closed | 2025-xx-01 16:50 | 2025-xx-01 16:50 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/xx/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/xx/2025<br>|  |  |  | GA | Primary Residence | Purchase | NA | 4623701 | Investor Post-Close | No |
| xxx | xxx | 9738778464 |  |  | Closed | 2025-xx-14 10:02 | 2025-xx-22 12:12 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Lender provided E-Consent with proof of date, finding resolved. - Due Diligence Vendor-07/xx/2025 <br>Counter- - Due Diligence Vendor-07/xx/2025 <br>Counter-E-Consent in loan file does not reflect a complete date, finding maintained. - Due Diligence Vendor-07/xx/2025 <br>Ready for Review-Document Uploaded. onespan 062525 - Buyer-07/xx/2025 <br>Open-The Initial Closing Disclosure was provided on (2025-xx-25) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (2025-xx-30). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (2025-xx-28), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (20250623), for consummation to occur on (2025-xx-30). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of 06/xx/2025 with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of 06/xx/2025. No Cure. - Due Diligence Vendor-07/xx/2025 <br>Open- - Due Diligence Vendor-07/xx/2025 <br>Open- - Due Diligence Vendor-07/xx/2025 |  | Resolved-Lender provided E-Consent with proof of date, finding resolved. - Due Diligence Vendor-07/xx/2025<br>| XX |  |  | GA | Primary Residence | Purchase | NA | 4804505 | N/A | N/A |
| xxx | xxx | 9741030150 |  |  | Closed | 2025-xx-28 12:06 | 2025-xx-07 07:58 | Waived | 2 - Non-Material | Credit | Income/Employment | Residual Income does not meet guideline minimum | Waived-Residual Income is $2020.73 which is less than the guideline minimum of $2,500 for household size 2. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-08/xx/2025 |  | Waived-Residual Income is $2020.73 which is less than the guideline minimum of $2,500 for household size 2. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-08/xx/2025<br>|  |  | Minimum FICO: 750 <br> Maximum DTI: 50 <br> Maximum LTV: 45 <br> Minimum Reserves: $18,400 | WI | Primary Residence | Purchase | NA | 4967570 | Originator Pre-Close | Yes |
| xxx | xxx | 9741030150 |  |  | Closed | 2025-xx-28 12:12 | 2025-xx-07 07:57 | Waived | 2 - Non-Material | Credit | Eligibility | Trade line count does not meet program requirements | Waived-xx-borrower does not meet the minimum tradeline requirement. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-08/xx/2025 |  | Waived-xx-borrower does not meet the minimum tradeline requirement. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-08/xx/2025<br>|  |  | Minimum FICO: 750 <br> Maximum DTI: 50 <br> Maximum LTV: 45 <br> Minimum Reserves: $18,400 | WI | Primary Residence | Purchase | NA | 4967694 | Originator Pre-Close | Yes |
| xxx | xxx | 9742520316 |  |  | Closed | 2025-xx-15 11:41 | 2025-xx-16 07:57 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/xx/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/xx/2025<br>|  |  |  | NY | Primary Residence | Refinance | Cash Out - Other | 4823083 | Investor Post-Close | No |
| xxx | xxx | 9742856694 |  |  | Closed | 2025-xx-24 12:57 | 2025-xx-24 12:57 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/xx/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/xx/2025<br>|  |  |  | OH | Primary Residence | Refinance | Cash Out - Other | 4936911 | Investor Post-Close | No |
| xxx | xxx | 9745049610 |  |  | Closed | 2025-xx-26 12:30 | 2025-xx-11 13:01 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-Received Homeownership Counseling Disclosure provided at application. Condition cleared. - Due Diligence Vendor-07/xx/2025 <br>Resolved-Resolved - Due Diligence Vendor-07/xx/2025 <br>Ready for Review-Document Uploaded. HOC - Buyer-07/xx/2025 <br>Open-The Homeownership Counseling Organization Disclosure Sent Date (2025-xx-30) is more than 3 business days from the Application Date (2025-xx-12). Three business days from the Application Date is (2025-xx-15). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) Not Required - Due Diligence Vendor-06/xx/2025 <br>Open- - Due Diligence Vendor-06/xx/2025 <br>Open- - Due Diligence Vendor-06/xx/2025 |  | Resolved-Received Homeownership Counseling Disclosure provided at application. Condition cleared. - Due Diligence Vendor-07/xx/2025 <br>Resolved-Resolved - Due Diligence Vendor-07/xx/2025<br>| XX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 4574513 | N/A | N/A |
| xxx | xxx | 9747712694 |  |  | Closed | 2025-xx-08 11:40 | 2025-xx-04 13:39 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Acknowledged-Audited DTI of 49.77% exceeds Guideline DTI of 43% A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors, finding to be graded EV2 - Due Diligence Vendor-08/xx/2025 <br>Open-Audited DTI of 49.77% exceeds Guideline DTI of 43% A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-07/xx/2025 |  | Acknowledged-Audited DTI of 49.77% exceeds Guideline DTI of 43% A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors, finding to be graded EV2 - Due Diligence Vendor-08/xx/2025<br>|  |  | Minimum FICO: 760 Vs 780<br> Maximum DTI: 50 Vs 49.77%<br> Maximum LTV: 70 Vs 64.72%<br> Minimum Reserves: 12 months Vs 32.23 | CA | Primary Residence | Purchase | NA | 4733690 | Originator Pre-Close | Yes |
| xxx | xxx | 9748147239 |  |  | Closed | 2025-xx-07 09:10 | 2025-xx-20 13:49 | Resolved | 1 - Information | Credit | Missing Doc | Missing Payoff Statement for prior loan | Resolved-Lender provided beneficiary demand stmt from Title. Finding Resolved. - Due Diligence Vendor-08/xx/2025 <br>Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-08/xx/2025 <br>Ready for Review-Document Uploaded. payoff - Buyer-08/xx/2025 <br>Open-Missing Payoff Statement for prior loan. - Due Diligence Vendor-08/xx/2025 |  | Resolved-Lender provided beneficiary demand stmt from Title. Finding Resolved. - Due Diligence Vendor-08/xx/2025 <br>Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-08/xx/2025<br>| XX |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 5091072 | N/A | N/A |
| xxx | xxx | 9750295215 |  |  | Closed | 2025-xx-27 10:33 | 2025-xx-08 13:33 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-07/xx/2025 <br>Ready for Review-Document Uploaded. DL - Buyer-07/xx/2025 <br>Open-Borrower 1 identification not provided. - Due Diligence Vendor-06/xx/2025 |  | Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-07/xx/2025<br>| XX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4586671 | N/A | N/A |
| xxx | xxx | 9750295215 |  |  | Closed | 2025-xx-27 12:14 | 2025-xx-08 13:32 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation on TRID loan for borrower(s) provided. - Due Diligence Vendor-07/xx/2025 <br>Open-E-Consent documentation on TRID loan is missing for borrower(s). - Due Diligence Vendor-07/xx/2025 <br>Ready for Review-Document Uploaded. econsent - Buyer-07/xx/2025 <br>Open-E-Consent documentation on TRID loan is missing for borrower(s). - Due Diligence Vendor-06/xx/2025 |  | Resolved-E-Consent documentation on TRID loan for borrower(s) provided. - Due Diligence Vendor-07/xx/2025<br>| XX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4588350 | N/A | N/A |
| xxx | xxx | 9751173650 |  |  | Closed | 2025-xx-14 11:37 | 2025-xx-29 16:56 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Valid CoC provided; condition resolved. - Due Diligence Vendor-07/xx/2025 <br>Open-A Lender Credit for Excess Charges of ($34.40), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($535.60) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-07/xx/2025 <br>Ready for Review-Please advise why the COC provided was not acceptable as a valid change. - Investor-07/xx/2025 <br>Counter-Closing Disclosure dated 6/xx/25 and COC provided in original loan file, lender cure for increase in Discount Points required. Lender credit for $34.40 applied to recording fee increase, cure in the amount of $535.60 required, finding maintained. - Due Diligence Vendor-07/xx/2025 <br>Open- - Due Diligence Vendor-07/xx/2025 <br>Ready for Review-Document Uploaded. Please see attached signed 06-23 CD and copy of audit trail. - Investor-07/xx/2025 <br>Counter-Proof of borrower(s) receipt of COC required, finding maintained. - Due Diligence Vendor-07/xx/2025 <br>Ready for Review-Document Uploaded. Please see attached COC. - Buyer-07/xx/2025 <br>Open-A Lender Credit for Excess Charges of ($34.40), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($535.60) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Discount Points on Final CD are $321.60 and Lender Credit on Final CD is $0.00. LE dated 06/xx/25 lists Lender Credit of $214.00 and does not disclose any Discount Points. These charges are in a 0.00% tolerance section. Lender tolerance cure of $535.60 is required. Section J reflects a $34.40 tolerance cure that is insufficient as it was applied to the tolerance cure for the Recording Fee. Provide a corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower.<br> Tolerance cure of $535.60 to be provided within 60 days of discovery. - Due Diligence Vendor-07/xx/2025 <br>Open- - Due Diligence Vendor-07/xx/2025 |  | Resolved-Valid CoC provided; condition resolved. - Due Diligence Vendor-07/xx/2025<br>| XX |  |  | NV | Primary Residence | Purchase | NA | 4807012 | N/A | N/A |
| xxx | xxx | 9751173650 |  |  | Closed | 2025-xx-14 11:37 | 2025-xx-29 16:55 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Resolved-Valid CoC provided; condition resolved. - Due Diligence Vendor-07/xx/2025 <br>Open-A Lender Credit for Excess Charges of ($34.40), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($535.60) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-07/xx/2025 <br>Ready for Review-Please advise why the COC provided was not acceptable as a valid change. - Buyer-07/xx/2025 <br>Counter-Closing Disclosure dated 6/xx/25 and COC provided in original loan file, lender cure for increase in Discount Points required. Lender credit for $34.40 applied to recording fee increase, cure in the amount of $535.60 required, finding maintained. - Due Diligence Vendor-07/xx/2025 <br>Open- - Due Diligence Vendor-07/xx/2025 <br>Ready for Review-Document Uploaded. Please see attached signed 06-23 CD and copy of audit trail. - Seller-07/xx/2025 <br>Counter-Proof of borrower(s) receipt of COC required, finding maintained. - Due Diligence Vendor-07/xx/2025 <br>Ready for Review-Document Uploaded. Please see attached COC. - Seller-07/xx/2025 <br>Open-A Lender Credit for Excess Charges of ($34.40), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($535.60) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Discount Points on Final CD are $321.60 and Lender Credit on Final CD is $0.00. LE dated 06/xx/25 lists Lender Credit of $214.00 and does not disclose any Discount Points. These charges are in a 0.00% tolerance section. Lender tolerance cure of $535.60 is required. Section J reflects a $34.40 tolerance cure that is insufficient as it was applied to the tolerance cure for the Recording Fee. Provide a corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower.<br> Tolerance cure of $535.60 to be provided within 60 days of discovery. - Due Diligence Vendor-07/xx/2025 <br>Open- - Due Diligence Vendor-07/xx/2025 | Ready for Review-Document Uploaded. Please see attached signed 06-23 CD and copy of audit trail. - Seller-07/xx/2025 <br>Ready for Review-Document Uploaded. Please see attached COC. - Seller-07/xx/2025<br>| Resolved-Valid CoC provided; condition resolved. - Due Diligence Vendor-07/xx/2025<br>| XX |  |  | NV | Primary Residence | Purchase | NA | 4807011 | N/A | N/A |
| xxx | xxx | 9752632878 |  |  | Closed | 2025-xx-26 13:48 | 2025-xx-21 12:32 | Resolved | 1 - Information | Credit | Missing Doc | Missing VOM or VOR | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-07/xx/2025 <br> Ready for Review-Payment history is in file and attached here for loan xxx for xxx Refinanced w/xxx March 2025. Previous mtg with xxx is on credit. - Buyer-07/xx/2025 <br> Counter-Rebuttal provided is same statement in loan file which reflects only a two-month history, finding maintained. - Due Diligence Vendor-07/xx/2025 <br> Ready for Review-Document Uploaded. MTG History - Buyer-07/xx/2025 <br> Counter-Upon further review, the 1003 REO schedule does list the primary residence and reflects a mortgage. There is a Loan History Statement in the loan fil, but the property address is not reflected therefore unable to determine if this history is for the primary residence. Additionally, this Loan History Statement only provides a 2 month history. Please provide a mortgage history which ties to the primary residence and a 12-month history. Condition remains. - Due Diligence Vendor-07/xx/2025 <br> Ready for Review-UW Response: Bwr owns current primary. 1003 reflects this. - Buyer-07/xx/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Lender guidelines require a 12-month housing history for the Borrowers' primary residence. Despite this requirement, the borrower indicated rent free housing. Provide a rent-free letter from the legal owner of the property and a payment history if applicable. - Due Diligence Vendor-06/xx/2025 |  | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-07/xx/2025<br>| XX |  |  | OH | Investment | Refinance | Cash Out - Other | 4576060 | N/A | N/A |
| xxx | xxx | 9752632878 |  |  | Closed | 2025-xx-26 14:28 | 2025-xx-08 15:48 | Resolved | 1 - Information | Credit | Missing Doc | The Final 1003 is Missing | Resolved-Lender provided final term sheet, finding resolved. - Due Diligence Vendor-07/xx/2025 <br>Ready for Review-Document Uploaded. 1003 and entity application are attached. - Buyer-07/xx/2025 <br>Open- Final 1003 is Missing - Due Diligence Vendor-06/xx/2025 |  | Resolved-Lender provided final term sheet, finding resolved. - Due Diligence Vendor-07/xx/2025<br>| XX |  |  | OH | Investment | Refinance | Cash Out - Other | 4576782 | N/A | N/A |
| xxx | xxx | 9755576288 |  |  | Closed | 2025-xx-05 13:06 | 2025-xx-14 09:00 | Resolved | 1 - Information | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Lender provided complete Hazard Policy. Finding resolved. - Due Diligence Vendor-08/xx/2025 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-08/xx/2025 <br>Ready for Review-Document Uploaded. Insurance with premium listed is attached. - Buyer-08/xx/2025 <br>Open-Hazard Insurance Policy Partially Provided Provided HOI policy does not have premium amount, require HOI policy reflecting premium amount. Additional conditions may apply upon receipt. - Due Diligence Vendor-08/xx/2025 |  | Resolved-Lender provided complete Hazard Policy. Finding resolved. - Due Diligence Vendor-08/xx/2025 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-08/xx/2025<br>| XX |  |  | TN | Investment | Refinance | Cash Out - Other | 5062740 | N/A | N/A |
| xxx | xxx | 9756753092 |  |  | Closed | 2025-xx-06 08:21 | 2025-xx-20 14:08 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Lender provided What Mortgage Applicants Need to Know document. Finding Resolved. - Due Diligence Vendor-08/xx/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-08/xx/2025 <br>Ready for Review-Document Uploaded. initial application was on 07/03 page 42-43 for NY docs - Buyer-08/xx/2025 <br>Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/xx/2025. - Due Diligence Vendor-08/xx/2025 |  | Resolved-Lender provided What Mortgage Applicants Need to Know document. Finding Resolved. - Due Diligence Vendor-08/xx/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-08/xx/2025<br>| XX |  |  | NY | Second Home | Purchase | NA | 5072408 | N/A | N/A |
| xxx | xxx | 9757712766 |  |  | Closed | 2025-xx-30 11:09 | 2025-xx-31 15:20 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-07/xx/2025 <br>Ready for Review-Document Uploaded. business purpose - Buyer-07/xx/2025 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-07/xx/2025 |  | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-07/xx/2025<br>| XX |  |  | FL | Investment | Refinance | Cash Out - Other | 4995296 | N/A | N/A |
| xxx | xxx | 9760104050 |  |  | Closed | 2025-xx-10 13:04 | 2025-xx-17 11:22 | Resolved | 1 - Information | Credit | Missing Doc | Missing Payoff Statement for prior loan | Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-07/xx/2025 <br>Ready for Review-Document Uploaded. payoff - Buyer-07/xx/2025 <br>Open-Missing Payoff Statement for prior loan. - Due Diligence Vendor-07/xx/2025 |  | Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-07/xx/2025<br>| XX |  |  | OH | Investment | Refinance | Cash Out - Other | 4769934 | N/A | N/A |
| xxx | xxx | 9760236613 |  |  | Closed | 2025-xx-10 12:11 | 2025-xx-04 13:40 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Acknowledged-Audited Loan Amount of $xxx is greater than the Guideline Maximum Loan Amount of $1000000 Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated, finding graded EV2 - Due Diligence Vendor-08/xx/2025 <br> Open-Audited Loan Amount of $xxx is greater than the Guideline Maximum Loan Amount of $1000000 Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-07/xx/2025 |  | Acknowledged-Audited Loan Amount of $xxx is greater than the Guideline Maximum Loan Amount of $1000000 Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated, finding graded EV2 - Due Diligence Vendor-08/xx/2025 |  |  | High FICO score and Low DTI. | FL | Investment | Purchase | NA | 4768623 | Originator Pre-Close | Yes |
| xxx | xxx | 9760412685 |  |  | Closed | 2025-xx-24 07:54 | 2025-xx-07 08:49 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Resolved - Due Diligence Vendor-08/xx/2025 <br>Ready for Review-Document Uploaded. Please see attached initial CD and audit trail showing the CD was viewed by the borrower on 07-xx-25. - Buyer-08/xx/2025 <br>Open- - Due Diligence Vendor-08/xx/2025 <br>Open-The Initial Closing Disclosure was provided on (2025-xx-11) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (2025-xx-17). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (2025-xx-15), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (20250710), for consummation to occur on (2025-xx-17). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of 07-xx-2025 with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of 07-xx-2025. - Due Diligence Vendor-07/xx/2025 <br>Open- - Due Diligence Vendor-07/xx/2025 |  | Resolved-Resolved - Due Diligence Vendor-08/xx/2025<br>| XX |  |  | WA | Primary Residence | Purchase | NA | 4930477 | N/A | N/A |
| xxx | xxx | 9760412685 |  |  | Closed | 2025-xx-04 09:13 | 2025-xx-04 09:13 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/xx/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/xx/2025<br>|  |  |  | WA | Primary Residence | Purchase | NA | 5039434 | Investor Post-Close | No |
| xxx | xxx | 9763777183 |  |  | Closed | 2025-xx-29 10:24 | 2025-xx-29 10:47 | Waived | 2 - Non-Material | Credit | Income/Employment | Residual Income does not meet guideline minimum | Waived-Residual Income is $2,382.05 which is less than the guideline minimum of $2,500.00. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-07/xx/2025 |  | Waived-Residual Income is $2,382.05 which is less than the guideline minimum of $2,500.00. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-07/xx/2025<br>|  |  | Minimum FICO 654<br> Max DTI 50%<br> Max LTV 50%<br> Reserves | NH | Primary Residence | Purchase | NA | 4979939 | Originator Pre-Close | Yes |
| xxx | xxx | 9766525837 |  |  | Closed | 2025-xx-29 12:52 | 2025-xx-29 12:54 | Waived | 2 - Non-Material | Credit | Eligibility | Ineligible Property Type | Waived-Property type is ineligible due to XXX acres > 20.00 acres max. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-07/xx/2025 |  | Waived-Property type is ineligible due to XXX acres > 20.00 acres max. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-07/xx/2025 |  |  | Maximum LTV 50% | TX | Primary Residence | Refinance | Cash Out - Other | 4983232 | Originator Pre-Close | Yes |
| xxx | xxx | 9772901279 |  |  | Closed | 2025-xx-06 14:27 | 2025-xx-06 14:27 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/xx/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/xx/2025<br>|  |  |  | UT | Second Home | Purchase | NA | 5081359 | Investor Post-Close | No |
| xxx | xxx | 9776576853 |  |  | Closed | 2025-xx-05 08:23 | 2025-xx-08 14:09 | Resolved | 1 - Information | Credit | Missing Doc | Missing Payoff Statement for prior loan | Resolved-Lender provided Payoff stmt. Condition Resolved, Reporting EV 1. - Due Diligence Vendor-08/xx/2025 <br>Ready for Review-Document Uploaded. payoff - Buyer-08/xx/2025 <br>Open-Missing Payoff Statement for prior loan. - Due Diligence Vendor-08/xx/2025 |  | Resolved-Lender provided Payoff stmt. Condition Resolved, Reporting EV 1. - Due Diligence Vendor-08/xx/2025<br>| XX |  |  | NC | Investment | Refinance | Cash Out - Other | 5055869 | N/A | N/A |
| xxx | xxx | 9778093683 |  |  | Closed | 2025-xx-29 13:02 | 2025-xx-05 15:22 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-08/xx/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/xx/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is missing for the Subject Property Mortgage History. - Due Diligence Vendor-07/xx/2025 |  | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-08/xx/2025<br>| XX |  |  | CT | Investment | Refinance | Cash Out - Other | 4983466 | N/A | N/A |
| xxx | xxx | 9778180019 |  |  | Closed | 2025-xx-22 09:15 | 2025-xx-07 14:24 | Resolved | 1 - Information | Credit | Missing Doc | Missing Rent Loss Coverage | Resolved-Rent Loss Coverage provided - Due Diligence Vendor-08/xx/2025 <br>Ready for Review-Document Uploaded. page 3 of 56 the attachment shows there is FAIR RENTAL VALUE Coverage included with the policy. Coverage D - Fair Rental Value included with the HOI - Buyer-08/xx/2025 <br>Open-Hazard Insurance Policy does not reflect rent loss coverage. - Due Diligence Vendor-07/xx/2025 |  | Resolved-Rent Loss Coverage provided - Due Diligence Vendor-08/xx/2025<br>| XX |  |  | LA | Investment | Purchase | NA | 4901841 | N/A | N/A |
| xxx | xxx | 9778180019 |  |  | Closed | 2025-xx-10 13:25 | 2025-xx-07 13:55 | Resolved | 1 - Information | Credit | Eligibility | Debt Service Coverage Ratio below guideline minimum | Resolved-Lender Provided complete Insurance policy with evidence of Rent Loss coverage. Condition resolved to EV 1. - Due Diligence Vendor-08/xx/2025 <br>Resolved-Loan qualifies with minimum .50 DSCR. Issue resolved. - Due Diligence Vendor-07/xx/2025 <br>Open-Audited DSCR of 0.932 is below guideline minimum of 1 Debt Service Coverage Ratio of 0.932 is below guideline minimum of 1.0. - Due Diligence Vendor-07/xx/2025 |  | Resolved-Lender Provided complete Insurance policy with evidence of Rent Loss coverage. Condition resolved to EV 1. - Due Diligence Vendor-08/xx/2025 <br>Resolved-Loan qualifies with minimum .50 DSCR. Issue resolved. - Due Diligence Vendor-07/xx/2025<br>|  |  |  | LA | Investment | Purchase | NA | 4770411 | N/A | N/A |
| xxx | xxx | 9781213732 |  |  | Closed | 2025-xx-08 10:50 | 2025-xx-20 13:52 | Resolved | 1 - Information | Credit | Missing Doc | Missing Payoff Statement for prior loan | Resolved-Lender provided payoff stmt. Finding resolved. - Due Diligence Vendor-08/xx/2025 <br>Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-08/xx/2025 <br>Ready for Review-Document Uploaded. Please see attached payoff statement. - Buyer-08/xx/2025 <br>Open-Missing Payoff Statement for prior loan. - Due Diligence Vendor-08/xx/2025 |  | Resolved-Lender provided payoff stmt. Finding resolved. - Due Diligence Vendor-08/xx/2025 <br>Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-08/xx/2025<br>| XX |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 5112115 | N/A | N/A |
| xxx | xxx | 9781213732 |  |  | Closed | 2025-xx-11 12:20 | 2025-xx-18 07:19 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-08/xx/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-08/xx/2025<br>|  |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 5133751 | Investor Post-Close | No |
| xxx | xxx | 9784020084 |  |  | Closed | 2025-xx-22 14:22 | 2025-xx-22 14:22 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/xx/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/xx/2025<br>|  |  |  | MA | Primary Residence | Purchase | NA | 4909233 | Investor Post-Close | No |
| xxx | xxx | 9784498926 |  |  | Closed | 2025-xx-01 14:36 | 2025-xx-01 14:37 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/xx/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/xx/2025<br>|  |  |  | NC | Primary Residence | Purchase | NA | 4621546 | Investor Post-Close | No |
| xxx | xxx | 9789485449 |  |  | Closed | 2025-xx-22 12:08 | 2025-xx-22 12:08 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-07/xx/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-07/xx/2025<br>|  |  |  | GA | Primary Residence | Purchase | NA | 4906271 | Investor Post-Close | No |
| xxx | xxx | 9790152657 |  |  | Closed | 2025-xx-22 09:30 | 2025-xx-19 10:51 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-08/xx/2025 <br> Resolved-xx- Due Diligence Vendor-08/xx/2025 <br> Rescinded-xx- Due Diligence Vendor-08/xx/2025 <br> Open-ATR Risk - Credit History taken into consideration does not meet requirements - Due Diligence Vendor-08/xx/2025 <br> Resolved-Lender provided lease agreements , rent check and LOE regarding housing. Finding resolved. - Due Diligence Vendor-08/xx/2025 <br> Ready for Review-Document Uploaded. The lease end dated was 5/xx/25 combined with the borrower's motivation letter, stating that the borrower lives in the summer months at their previous primary residence in xxx which they are maintaining at closing. There was no need to verify June 2025 lease payment since the lease had ended and the borrower had identified their off school session motivations to spend time at their XXXX home for the summer months. The borrower's partial June 2025 rent check is in the loan file. - Investor-08/xx/2025 <br> Counter-Lease received is in original loan file. Missing the June 2025 payment which would coincide with the 9-month lease agreement and remaining months which would occur month to month if borrower did not depart property, finding maintained. - Due Diligence Vendor-08/xx/2025 <br> Ready for Review-Document Uploaded. leases - Buyer-08/xx/2025 <br> Open-ATR Risk - Credit History taken into consideration does not meet requirements GL section 5A.6(i) requires Rental history to be documented by Verification of Rent (VOR), by a professional management company and/or private party; or Copy of lease agreement and 12 months' cancelled checks or bank statement or credit supplement verifying the house payment history; Credit supplement verifying the housing payment history. File includes lease agreement from September 2024 and cancelled checks for period of 09/2024-05/2025 however is missing cancelled check for June 2025 and Lease agreement along with cancelled checks for the month of July-August 2024 to meet 12 months of housing history verification requirement. - Due Diligence Vendor-07/xx/2025 |  | Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-08/xx/2025 <br>Resolved-xx- Due Diligence Vendor-08/xx/2025 <br>Rescinded-xx- Due Diligence Vendor-08/xx/2025 <br>Resolved-Lender provided lease agreements , rent check and LOE regarding housing. Finding resolved. - Due Diligence Vendor-08/xx/2025<br>| XX |  |  | CT | Primary Residence | Purchase | NA | 4902173 | N/A | N/A |
| xxx | xxx | 9790152657 |  |  | Closed | 2025-xx-22 09:30 | 2025-xx-19 10:45 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-08/xx/2025 <br> Resolved-Lender provided lease agreements , rent check and LOE regarding housing. Finding resolved. - Due Diligence Vendor-08/xx/2025 <br> Ready for Review-Document Uploaded. The lease end dated was 5/xx/25 combined with the borrower's motivation letter, stating that the borrower lives in the summer months at their previous primary residence in xxx which they are maintaining at closing. There was no need to verify June 2025 lease payment since the lease had ended and the borrower had identified their off school session motivations to spend time at their XXXX home for the summer months. The borrower's partial June 2025 rent check is in the loan file. - Buyer-08/xx/2025 <br> Counter-Lease received is in original loan file. Missing the June 2025 payment which would coincide with the 9-month lease agreement and remaining months which would occur month to month if borrower did not depart property, finding maintained. - Due Diligence Vendor-08/xx/2025 <br> Ready for Review-Document Uploaded. leases - Seller-08/xx/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. GL section 5A.6(i) requires Rental history to be documented by Verification of Rent (VOR), by a professional management company and/or private party; or Copy of lease agreement and 12 months' cancelled checks or bank statement or credit supplement verifying the house payment history; Credit supplement verifying the housing payment history. File includes lease agreement from September 2024 and cancelled checks for period of 09/2024-05/2025 however is missing cancelled check for June 2025 and Lease agreement along with cancelled checks for the month of July-August 2024 to meet 12 months of housing history verification requirement. - Due Diligence Vendor-07/xx/2025 | Ready for Review-Document Uploaded. leases - Seller-08/xx/2025 | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-08/xx/2025 <br>Resolved-Lender provided lease agreements , rent check and LOE regarding housing. Finding resolved. - Due Diligence Vendor-08/xx/2025<br>| XX |  |  | CT | Primary Residence | Purchase | NA | 4902172 | N/A | N/A |

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## Exhibit 99.6

**Exhibit 99.6 Schedule 5**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| xxx | 214279697 |  |  | xxx | Property Type | propertyValuationPage | Condominium | 07675 | Audit Value Pulled From Appraisal. |
| xxx | 214279697 |  |  | xxx | CLTV | propertyValuationPage | 53.25 | 53.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 214797953 |  |  | xxx | CLTV | propertyValuationPage | 72.41 | 75.00 | Audit value based on documents located in the loan file. |
| xxx | 214850588 |  |  | xxx | CLTV | propertyValuationPage | 69.77 | 70.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 215021114 |  |  | xxx | CLTV | propertyValuationPage | 64.53 | 65.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 215027897 |  |  | xxx | CLTV | propertyValuationPage | 79.87 | 80.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 215038092 |  |  | xxx | CLTV | propertyValuationPage | 74.07 | 74.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 215050840 |  |  | xxx | CLTV | propertyValuationPage | 74.2 | 75.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 215055674 |  |  | xxx | CLTV | propertyValuationPage | 54.12 | 54.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 215128950 |  |  | xxx | CLTV | propertyValuationPage | 74.49 | 80.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 215190059 |  |  | xxx | CLTV | propertyValuationPage | 76.92 | 77.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 215191826 |  |  | xxx | CLTV | propertyValuationPage | 69.93 | 70.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 215195439 |  |  | xxx | Note Date | notePage | xxx | XXX | Audit Value Pulled From Note. |
| xxx | 215195439 |  |  | xxx | CLTV | propertyValuationPage | 79.12 | 80.00 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| xxx | 215229865 |  |  | xxx | CLTV | propertyValuationPage | 74.37 | 75.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 215232208 |  |  | xxx | CLTV | propertyValuationPage | 46.32 | 47.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 215240656 |  |  | xxx | CLTV | propertyValuationPage | 73.9 | 75.00 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| xxx | 215245713 |  |  | xxx | Note Date | notePage | xxx | XXX | Audit Value Pulled From Note. |
| xxx | 215251208 |  |  | xxx | CLTV | propertyValuationPage | 74.72 | 75.00 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| xxx | 215257312 |  |  | xxx | Sales Price | propertyValuationPage | xxx | XXX | Audit Value Verified on Purchase Contract / Final CD. |
| xxx | 215257312 |  |  | xxx | Note Date | notePage | xxx | XXX | Audit Value Pulled From Note. |
| xxx | 215270141 |  |  | xxx | Note Date | notePage | xxx | XXX | Audit Value Pulled From Note. |
| xxx | 215275470 |  |  | xxx | CLTV | propertyValuationPage | 32.72 | 33.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 215294745 |  |  | xxx | Note Date | notePage | xxx | XXX | Audit Value Pulled From Note. |
| xxx | 215294745 |  |  | xxx | CLTV | propertyValuationPage | 72.77 | 75.00 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| xxx | 215300781 |  |  | xxx | Note Date | notePage | xxx | XXX | Audit Value Pulled From Note. |
| xxx | 215300781 |  |  | xxx | CLTV | propertyValuationPage | 71.84 | 75.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 215306200 |  |  | xxx | Note Date | notePage | xxx | XXX | Audit Value Pulled From Note. |
| xxx | 215306200 |  |  | xxx | CLTV | propertyValuationPage | 70.29 | 75.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 215307588 |  |  | xxx | Note Date | notePage | xxx | XXX | Audit Value Pulled From Note. |
| xxx | 215307588 |  |  | xxx | CLTV | propertyValuationPage | 79.68 | 80.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 215424334 |  |  | xxx | Note Date | notePage | xxx | XXX | Audit Value Pulled From Note. |
| xxx | 9704934257 |  |  | xxx | Note Date | notePage | xxx | XXX | Audit Value Pulled From Note. |
| xxx | 9704934257 |  |  | xxx | CLTV | propertyValuationPage | 74.07 | 74.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 9707040268 |  |  | xxx | CLTV | propertyValuationPage | 74.64 | 75.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 9707177367 |  |  | xxx | CLTV | propertyValuationPage | 78.69 | 79.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 9708648226 |  |  | xxx | Note Date | notePage | xxx | XXX | Audit Value Pulled From Note. |
| xxx | 9708648226 |  |  | xxx | CLTV | propertyValuationPage | 71.65 | 72.00 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| xxx | 9708868048 |  |  | xxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| xxx | 9709417936 |  |  | xxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Audit Value Pulled From Appraisal. |
| xxx | 9709628870 |  |  | xxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| xxx | 9709628870 |  |  | xxx | CLTV | propertyValuationPage | 68.57 | 69.00 | <br> Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 9712322099 |  |  | xxx | CLTV | propertyValuationPage | 74.39 | 80.00 | Audit Value of 1st + 2nd lien / Qualifying Value.<br>|
| xxx | 9713743061 |  |  | xxx | CLTV | propertyValuationPage | 82.21 | 85.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 9714752574 |  |  | xxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| xxx | 9714773455 |  |  | xxx | CLTV | propertyValuationPage | 79.34 | 80.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 9717871645 |  |  | xxx | Note Date | notePage | xxx | XXX | Audit Value Pulled From Note. |
| xxx | 9718061436 |  |  | xxx | Property Type | propertyValuationPage | Condominium | 21208 | Audit Value Pulled From Appraisal. |
| xxx | 9718061436 |  |  | xxx | CLTV | propertyValuationPage | 77.74 | 80.00 | Audit Value of 1st + 2nd lien / Qualifying Value<br>|
| xxx | 9718867469 |  |  | xxx | CLTV | propertyValuationPage | 69.34 | 71.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 9721245083 |  |  | xxx | Note Date | notePage | xxx | XXX | Audit Value Pulled From Note. |
| xxx | 9722011617 |  |  | xxx | Note Date | notePage | xxx | XXX | Audit Value Pulled From Note. |
| xxx | 9722011617 |  |  | xxx | CLTV | propertyValuationPage | 84.46 | 85.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 9722946531 |  |  | xxx | Note Date | notePage | xxx | XXX | Audit Value Pulled From Note. |
| xxx | 9724918470 |  |  | xxx | Note Date | notePage | xxx | XXX | Audit Value Pulled From Note. |
| xxx | 9724918470 |  |  | xxx | CLTV | propertyValuationPage | 73.42 | 80.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 9727356934 |  |  | xxx | CLTV | propertyValuationPage | 73.42 | 73.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 9729506957 |  |  | xxx | Note Date | notePage | xxx | XXX | Audit Value Pulled From Note. |
| xxx | 9730739829 |  |  | xxx | CLTV | propertyValuationPage | 56.68 | 57.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 9731072956 |  |  | xxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| xxx | 9731072956 |  |  | xxx | CLTV | propertyValuationPage | 79.24 | 80.00 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| xxx | 9733307335 |  |  | xxx | CLTV | propertyValuationPage | 41.03 | 45.00 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| xxx | 9733504857 |  |  | xxx | CLTV | propertyValuationPage | 83.55 | 85.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 9737451584 |  |  | xxx | CLTV | propertyValuationPage | 57.48 | 57.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 9738338533 |  |  | xxx | Note Date | notePage | xxx | XXX | Audit Value Pulled From Note. |
| xxx | 9738516575 |  |  | xxx | CLTV | propertyValuationPage | 88.41 | 90.00 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| xxx | 9738778464 |  |  | xxx | CLTV | propertyValuationPage | 69.23 | 69.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 9740774576 |  |  | xxx | CLTV | propertyValuationPage | 27.93 | 28.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 9741030150 |  |  | xxx | CLTV | propertyValuationPage | 43.07 | 44.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 9744710246 |  |  | xxx | CLTV | propertyValuationPage | 77.78 | 78.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 9745049610 |  |  | xxx | CLTV | propertyValuationPage | 58.22 | 58.00 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| xxx | 9745519885 |  |  | xxx | Note Date | notePage | xxx | XXX | Audit Value Pulled From Note. |
| xxx | 9745519885 |  |  | xxx | CLTV | propertyValuationPage | 79.61 | 80.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 9746592501 |  |  | xxx | Note Date | notePage | xxx | XXX | Audit Value Pulled From Note. |
| xxx | 9746592501 |  |  | xxx | CLTV | propertyValuationPage | 80.6 | 90.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 9747054543 |  |  | xxx | CLTV | propertyValuationPage | 78.79 | 80.00 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| xxx | 9747712694 |  |  | xxx | CLTV | propertyValuationPage | 64.72 | 65.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 9748147239 |  |  | xxx | Note Date | notePage | xxx | XXX | Audit Value Pulled From Note. |
| xxx | 9750033640 |  |  | xxx | CLTV | propertyValuationPage | 46.38 | 48.00 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| xxx | 9750295215 |  |  | xxx | CLTV | propertyValuationPage | 76.41 | 76.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 9751038895 |  |  | xxx | CLTV | propertyValuationPage | 79.08 | 80.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 9751062473 |  |  | xxx | CLTV | propertyValuationPage | 67.57 | 68.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 9752632878 |  |  | xxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled from Appraisal |
| xxx | 9753530956 |  |  | xxx | Note Date | notePage | xxx | XXX | Audit Value Pulled From Note. |
| xxx | 9753530956 |  |  | xxx | CLTV | propertyValuationPage | 51.09 | 51.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 9755016053 |  |  | xxx | Note Date | notePage | xxx | XXX | Audit Value Pulled From Note. |
| xxx | 9755016053 |  |  | xxx | CLTV | propertyValuationPage | 83.24 | 83.00 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| xxx | 9755515583 |  |  | xxx | CLTV | propertyValuationPage | 59.86 | 60.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 9755576288 |  |  | xxx | Note Date | notePage | xxx | XXX | Audit Value Pulled From Note. |
| xxx | 9756753092 |  |  | xxx | Note Date | notePage | xxx | XXX | Audit Value Pulled From Note. |
| xxx | 9756984689 |  |  | xxx | CLTV | propertyValuationPage | 69.94 | 75.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 9758753249 |  |  | xxx | CLTV | propertyValuationPage | 71.71 | 72.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 9760104050 |  |  | xxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| xxx | 9760236613 |  |  | xxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| xxx | 9760613597 |  |  | xxx | Note Date | notePage | xxx | XXX | Audit Value Pulled From Note. |
| xxx | 9760613597 |  |  | xxx | CLTV | propertyValuationPage | 57.8 | 58.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 9763777183 |  |  | xxx | CLTV | propertyValuationPage | 47.22 | 48.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 9764663333 |  |  | xxx | CLTV | propertyValuationPage | 89.99 | 90.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 9766525837 |  |  | xxx | CLTV | propertyValuationPage | 47.96 | 48.00 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| xxx | 9767959274 |  |  | xxx | CLTV | propertyValuationPage | 60.37 | 60.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 9772641172 |  |  | xxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| xxx | 9772641172 |  |  | xxx | CLTV | propertyValuationPage | 66.67 | 68.00 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| xxx | 9772901279 |  |  | xxx | CLTV | propertyValuationPage | 48.19 | 48.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 9773596284 |  |  | xxx | Property Type | propertyValuationPage | Condominium | 98072 | Audit value pulled from documents located in the loan file. |
| xxx | 9773596284 |  |  | xxx | CLTV | propertyValuationPage | 52.94 | 53.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 9774056106 |  |  | xxx | CLTV | propertyValuationPage | 56.63 | 57.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 9775054613 |  |  | xxx | Note Date | notePage | xxx | XXX | Audit Value Pulled From Note. |
| xxx | 9775054613 |  |  | xxx | CLTV | propertyValuationPage | 57.07 | 80.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 9775444004 |  |  | xxx | CLTV | propertyValuationPage | 59.7 | 80.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 9778093683 |  |  | xxx | CLTV | propertyValuationPage | 48.08 | 48.00 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| xxx | 9781213732 |  |  | xxx | Note Date | notePage | xxx | XXX | Audit Value Pulled From Note. |
| xxx | 9781802427 |  |  | xxx | Note Date | notePage | xxx | XXX | Audit Value Pulled From Note. |
| xxx | 9783151971 |  |  | xxx | Note Date | notePage | xxx | XXX | Audit Value Pulled From Note. |
| xxx | 9783151971 |  |  | xxx | CLTV | propertyValuationPage | 69.87 | 70.00 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| xxx | 9783373823 |  |  | xxx | CLTV | propertyValuationPage | 49.38 | 49.00 | Audit value pulled from documents located in the loan file. |
| xxx | 9784020084 |  |  | xxx | CLTV | propertyValuationPage | 59.25 | 59.00 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| xxx | 9784498926 |  |  | xxx | CLTV | propertyValuationPage | 77.11 | 80.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 9785182982 |  |  | xxx | Note Date | notePage | xxx | XXX | Audit Value Pulled From Note. |
| xxx | 9787864967 |  |  | xxx | CLTV | propertyValuationPage | 74.97 | 75.00 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| xxx | 9787946491 |  |  | xxx | CLTV | propertyValuationPage | 69.19 | 70.00 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| xxx | 9788262989 |  |  | xxx | Note Date | notePage | xxx | XXX | Audit Value pulled from Note |
| xxx | 9789444206 |  |  | xxx | Note Date | notePage | xxx | XXX | Audit Value Pulled From Note. |
| xxx | 9789444206 |  |  | xxx | CLTV | propertyValuationPage | 53.86 | 54.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 9789485449 |  |  | xxx | CLTV | propertyValuationPage | 61.58 | 62.00 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| xxx | 9790152657 |  |  | xxx | CLTV | propertyValuationPage | 79.12 | 80.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 9791175368 |  |  | xxx | Note Date | notePage | xxx | XXX | Audit Value Pulled From Note. |
| xxx | 9791175368 |  |  | xxx | CLTV | propertyValuationPage | 78.02 | 80.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 9796585702 |  |  | xxx | Note Date | notePage | xxx | XXX | Audit Value Pulled From Note. |
| xxx | 9796585702 |  |  | xxx | CLTV | propertyValuationPage | 80.54 | 85.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 9797176287 |  |  | xxx | CLTV | propertyValuationPage | 46.97 | 49.00 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| xxx | 9798122439 |  |  | xxx | CLTV | propertyValuationPage | 73.89 | 74.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| xxx | 9799819926 |  |  | xxx | Note Date | notePage | xxx | XXX | Audit Value Pulled From Note. |
| xxx | 9799819926 |  |  | xxx | CLTV | propertyValuationPage | 74 | 75.00 | Audit Value of 1st + 2nd lien / Qualifying Value |

---

## Exhibit 99.7

**Exhibit 99.7**

![](ex99-7_001.jpg)

**Selene Diligence LLC ("Selene") Due <br> Diligence Review Narrative ("Report")**

Selene's Report, which is to be made available to the recipients by the Client, includes the loan level results of Selene's independent, third-party due diligence review conducted on behalf of the Client. The scope of review for these loans is as follows:

**DESCRIPTION OF SERVICES:**

&nbsp;&nbsp;&nbsp;&nbsp;**(1) Type of assets that were reviewed.**

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by Rithm Capital Corp. ("Client"). The review was conducted between March 2025 and July 2025, via files imaged and provided for review (the "Review").

&nbsp;&nbsp;&nbsp;&nbsp;**(2) Sample size of the assets reviewed.**

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 1 ATR-QM Exempt loans and 11 Non-QM loans for a total of 12 loans the "Final Securitization Population").

*<u>Credit Reviews (12):</u>*

During the Review, Selene performed a credit review on 12 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (12)</u>*

During the Review, Selene performed a compliance review, when applicable on 12 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (12):</u>*

During the Review, Selene performed a property valuation review on 12 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (12):</u>*

During the Review, Selene performed a Data Integrity Review on 12 mortgage loans in the Final Securitization Population.

**<u>FINAL SECURITIZATION POPULATION</u>**

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 12 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Final Securitization Population** |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;12 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;12 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;12 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;12 | &nbsp;&nbsp;100% |

---

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

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E.s, Fitch Ratings, Inc. ("Fitch") and Kroll Bond Rating Agency ("Kroll"), (the "NRSRO(s)").

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

Where available, Selene compared the data fields on the bid tape provided by the Client to the data found in the actual loan file as captured by Selene. This information may not have been available for all mortgage loans.

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

Selene assessed the underwriting guidelines and compared the documentation in the loan file against the stated guidelines for adherence.

**<u>GUIDELINES</u>**

Kind Lending Non-Agency Program Guidelines, 5<sup>th</sup> Street Capital Underwriting Guidelines, LoanStream One Guide (the "Guidelines").

**<u>LOAN GRADING</u>**

The Guidelines referenced above served as the benchmark for grading loans with respect to credit, compliance, underwriting, property valuation and data integrity. Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade considers additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Selene's loan grading is solely based on Selene's independent assessment of all Guideline exceptions and compensating factors for each of the component reviews. Selene is providing a comprehensive loan-level analysis that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades and sets forth compensating factors and waivers.

Pag**e 2** of **15**

**<u>SCOPE OF REVIEW</u>**

Selene examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Selene relied on the accuracy of information contained in loan documentation provided to Selene (for more detail, please refer to Appendix A and B, attached hereto).

&nbsp;&nbsp;**CREDIT REVIEW**

Selene's credit scope of review conducted on this transaction included the following elements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Assessed whether the characteristics of the mortgage loans
and the borrowers conformed to the Guidelines cited above;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Re-calculated
LTV, CLTV, income, liabilities and compared these against the Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Analyzed asset statements to determine whether funds to
close and reserves were within the Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed that
credit scores (FICO) and credit histories were within the Guidelines.

&nbsp;&nbsp;**COMPLIANCE REVIEW**

Selene's compliance scope determined whether the mortgage loans comply with the Federal Truth in Lending Act, the Federal Real Estate Settlement Procedures Act, Sections 1098 and 1100A of Dodd Frank, Sections 1411 and 1412 of the Wall Street Reform and Consumer Protection Act, and the Equal Credit Opportunity Act.

&nbsp;&nbsp;**PROPERTY VALUATION REVIEW**

Selene's Property Valuation scope of review conducted on this transaction included the following elements.

&nbsp;&nbsp;&nbsp;&nbsp;• **Original Appraisal Assessment** 

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

&nbsp;&nbsp;&nbsp;&nbsp;• **Value Supported Analysis** 

Selene applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third-party valuation product provided by the Client.

Pag**e 3** of **15**

&nbsp;&nbsp;**DATA INTEGRITY REVIEW**

Selene uploads tape data into its due diligence application and compares it to the actual documents provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape data received
from lender/client is stored in a secured FTP folder;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape data is uploaded
into the application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Loan Reviewer
collects validated loan data;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Discrepancies
found during comparison are stored and reported.

Selene provided the Client with a copy of the initial loan level tape discrepancy report which shows the differences between the data received by the Client versus the data captured by Selene during the loan review.

**<u>SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW</u>**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs.

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 12 mortgage loans, (ii) a Compliance Review on 12 mortgage loans (iii) a Valuation Review on 12 mortgage loans, and (iv) a Data Integrity Review on 12 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**REVIEW RESULTS SUMMARY**

After review of the 12 mortgage loans; 11 mortgage loans had a rating grade of A, 1 mortgage loan had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | |  | &nbsp;&nbsp; ****<br> ****<br> ***Grades per loan (12 overall loans):***<br> **** | &nbsp;&nbsp; ****<br> ****<br> ***Grades per loan (12 overall loans):***<br> **** | &nbsp;&nbsp; ****<br> ****<br> ***Grades per loan (12 overall loans):***<br> **** |  |  |
| | | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | | | &nbsp;&nbsp;**FINAL RA GRADES - <br> OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - <br> OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;A | &nbsp;&nbsp;11 | &nbsp;&nbsp;11 | &nbsp;&nbsp;91.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;8.33% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;16.67% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;7 | &nbsp;&nbsp;7 | &nbsp;&nbsp;58.33% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

Pag**e 4** of **15**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; ****<br> ***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp; ****<br> ***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp; ****<br> ***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp; ****<br> ***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp; ****<br> ***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp; ****<br> ***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp; ****<br> ***Final Grades per loan broken out by compliance, credit and property:*** |  |
| | | &nbsp;&nbsp;**FINAL RA GRADES - <br> COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - <br> COMPLIANCE** | | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;12 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;A | &nbsp;&nbsp;11 | &nbsp;&nbsp;11 | &nbsp;&nbsp;91.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;8.33% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
|  |  | &nbsp;&nbsp;**FINAL RA GRADES -<br> PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES -<br> PROPERTY** |  |  |  |  |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**%** |  |  |  |  |
| &nbsp;&nbsp;A | &nbsp;&nbsp;12 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |  |  |  |  |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |

---

**<u>REVIEW RESULTS SUMMARY (EXCEPTION LISTING)</u>**

Review of the Final Grading Summary (redacted) provides the exceptions in detail and the migration from the initial rating agency grade to the final rating agency grade, based on mitigation/resolution from the client.

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

Pag**e 5** of **15**

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

**<u>THIRD PARTY REVIEW REPORTING DELIVERED</u>**

Selene furnished the following reports on this transaction:

1. Selene Narrative Report

2. ASF Report

3. Grading Summary

4. Exception Detail

5. Tape Discrepancies

6. Valuations Report

7. Supplemental Data

8. Third Party (TPR) Attestation Form

9. Attestation Form 15E

Pag**e 6** of **15**

**APPENDIX A – CREDIT REVIEW SCOPE**

Selene reviewed the origination documentation contained in the mortgage loan file to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements that are provided to Selene and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

**Credit Application**

For the Credit Application, Selene verified whether:

&nbsp;&nbsp;&nbsp;&nbsp;1. The application is signed by all listed borrowers;

&nbsp;&nbsp;&nbsp;&nbsp;2. The application is substantially filled out; and

&nbsp;&nbsp;&nbsp;&nbsp;3. All known borrower-owned properties are disclosed on the Real Estate Owned section.

**Credit Report**

Selene verified:

&nbsp;&nbsp;&nbsp;&nbsp;1. A credit report and/or other credit history documentation is present for each borrower;

&nbsp;&nbsp;&nbsp;&nbsp;2. Capture the monthly consumer debt payments for use in the debt to income and/or residual income calculation,
as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;3. Note the Real Estate Owned and fraud alerts; and

&nbsp;&nbsp;&nbsp;&nbsp;4. Gather data required for ASF Report submission which may include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Most recent FICO Score (scores from Equifax, Experian, and Transunion if available)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Most recent FICO date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Longest Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Maximum Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Number of trade lines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Credit Usage Ratio

**Employment and Income**

Selene determined whether all applicable supporting documentation as required by the guidelines is in the file and note indications of potentially fraudulent documents. The documentation was also be used to verify whether the income used to qualify the loan was calculated in accordance with applicable guidelines. Documentation verifying employment and income may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verbal or Written VOE's

&nbsp;&nbsp;&nbsp;&nbsp;2. Pay stubs

&nbsp;&nbsp;&nbsp;&nbsp;3. W-2 forms

&nbsp;&nbsp;&nbsp;&nbsp;4. Tax returns

&nbsp;&nbsp;&nbsp;&nbsp;5. Financial statements

&nbsp;&nbsp;&nbsp;&nbsp;6. Award letters

&nbsp;&nbsp;&nbsp;&nbsp;7. Bank statements

Pag**e 7** of **15**

**Asset Review**

Selene assessed whether the asset documentation required by the guidelines is present in the file. In addition, a review of the reserve calculation was performed. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. VOD's

&nbsp;&nbsp;&nbsp;&nbsp;2. Depository account statements

&nbsp;&nbsp;&nbsp;&nbsp;3. Stock or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;4. Gift funds

&nbsp;&nbsp;&nbsp;&nbsp;5. Settlement statement or other evidence of conveyance and transfer of funds if a sale of assets was involved

**Hazard/Flood insurance** 

A review of the insurance present on the loan was also be performed:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verify that the hazard insurance meets the minimum required amount of coverage in the guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;2. For condominium properties, confirm that the blanket policy meets the minimum amount of coverage;

&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm that the flood cert is for the correct borrower, property, lender and loan number and is a "Life
of Loan" certification;

&nbsp;&nbsp;&nbsp;&nbsp;4. For properties is in a flood zone per the flood cert, confirm that flood insurance in the file meets the
minimum required amount of coverage and meets guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirm that the mortgagee clause lists the lender's name and "its successors and assigns";
and

&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm that the premium amount on both the hazard and flood insurance match what was used in the DTI
calculations.

**Title**

Verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower and review the Title Commitment for the disclosure issues.

**Fraud**

To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, when required, Selene looked for an independent, third party fraud report in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan. If the loan does not contain a fraud report and the counterparty cannot produce one, Selene conditioned the loan for the missing product.

On this Fraud report Selene:

&nbsp;&nbsp;&nbsp;&nbsp;1. Reviewed for any name variations for the borrowers and confirm
that the variations have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed for any social security number variations for the borrowers
and confirm that the variations have been addressed in the loan file;

Pag**e 8** of **15**

&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed for any potential occupancy issues based on the borrowers'
address history and confirm that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;4. Reviewed for any employment issues and confirm that any issues
have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;5. Reviewed for any additional consumers associated with the borrowers'
profiles and confirm the materiality and material issues have been addressed in the loan file; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Addressed all red flag issues.

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;1. A review of the completeness and accuracy of the information obtained in the mortgage origination process;

&nbsp;&nbsp;&nbsp;&nbsp;2. A review of closing documents to ensure that the mortgage file information is complete, accurate, and
consistent with other documents in the mortgage file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Selene will review the mortgage file documents to determine that the mortgage was properly underwritten;

&nbsp;&nbsp;&nbsp;&nbsp;4. Verification that the DTI, LTV, asset reserves, property type, transaction type (maximum loan amount,
loan purpose, occupancy, etc.), and FICO scores meet or exceed the guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Verification that all borrowers are eligible based on the guidelines and information in the loan file;
and

&nbsp;&nbsp;&nbsp;&nbsp;6. Verify there is appropriate documentation present to confirm that applicable documents have been recorded
or have been sent for recording.

Pag**e 9** of **15**

**APPENDIX B – COMPLIANCE REVIEW SCOPE**

Selene reviewed the Non-QM loans to determine, as applicable, to the extent possible and/or applicable and subject to the caveats below, whether the loan complies with:

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

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

i) failure to provide the right of rescission notice;

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

iii) errors in the right of rescission notice;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19):</u> 

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

ii) proper execution by all required parties;

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

i) APR threshold test; and <br> ii) compliance with the escrow account and appraisal requirements.

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

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

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

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

Pag**e 10** of **15**

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Good Faith Estimate (GFE) (§1024.7):</u> 

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Final HUD-1/A Settlement Statement (HUD) (§1024.8):</u> 

i) confirm current applicable HUD form was provided;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>GFE and Final HUD Comparison (§1024.7):</u> 

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

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

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

Pag**e 11** of **15**

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

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

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

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

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

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

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

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

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

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

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

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

---

| | |
|:---|:---|
| i) | confirm the presence of LE for applications on or after October 3, 2015; |
| ii) | confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application; |
| iii) | confirm that certain sections of each LE determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE; |
| iv) | confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency; |
| v) confirm if the file indicates a fee was imposed, other than for a credit report, prior to borrower receiving LE and indicating an intent to proceed with the transaction; | v) confirm if the file indicates a fee was imposed, other than for a credit report, prior to borrower receiving LE and indicating an intent to proceed with the transaction; |
| vi) | confirm that any written estimate of terms or costs provided prior to receipt of a LE contained the required disclosures; |
| vii) | confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance; |
| viii) | confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services); |
| ix) | confirm borrower received LE not later than four (4) business days prior to consummation; and |
| x) | confirm LE was not provided to the borrower on or after the date of the CD. |

---

Pag**e 12** of **15**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Pag**e 13** of **15**

<u>General Ability to Repay</u>

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

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

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

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

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

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

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

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

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

Pag**e 14** of **15**

**APPENDIX C – VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities; and (viii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client shall be notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene makes a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene would review the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Selene is not an 'AMC' (appraisal management company)
and therefore Selene does not opine on

the actual value of the underlying property.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

Pag**e 15** of **15**

## Exhibit 99.7

**Exhibit 99.7 Schedule 1**

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| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
|  | 7000111313 |  |  |  | Property Type | propertyValuationPage | PUD | Single Family Detached | Property type is PUD verified from appraisal pg. #35 and PUD rider is on pg. #286. |
|  | 7000111313 |  |  |  | Qualifying CLTV | propertyValuationPage | 46.08 | 50.00 |  |
|  | 7000111313 |  |  |  | Qualifying LTV | propertyValuationPage | 46.08 | 50.00 |  |
|  | 7000111313 |  |  |  | Note Date | notePage |  |  | Note date verified from Note document |
|  | 7000111313 |  |  |  | Prepayment Penalty Type | notePage | Hard | 2 | Prepayment Penalty Type updated Correctly. |
|  | 7000111313 |  |  |  | Verified Doc Type | employmentIncomePage |  |  | File is DSCR not required for Income documents. |
|  | 7000111313 |  |  |  | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage |  |  | Tape Data not included Monthly Property Tax & Homeowner's insurance amounts & HOA amount, However file is No Escrows. |
|  | 7000111313 |  |  |  | B1 Verified Citizenship Designation | fraudReportPage | Permanent Non-US Citizen | Permanent Resident Alien | B1 Verified Citizenship Designation updated Correctly. |
|  | 7000113489 |  |  |  | Note Date | notePage |  |  | Note date updated per Note document on page #409. |
|  | 7000111435 |  |  |  | Note Date | notePage |  |  | Note date verified from Note document |
|  | 7000111435 |  |  |  | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | Doctype updated as per loan program and documentation. |
|  | 7000111435 |  |  |  | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage |  |  | Tape Data not included Monthly Property Tax & Homeowner's insurance amounts, However file is No Escrows. |
|  | 2501145075 |  |  |  | Application Date | complianceDetailPage |  |  | Considered Applicant Signature Date and stamped as received date from Initial 1003 as Application date XXXX & Selected Application source as "Date Creditor Received Application date" |
|  | 2501145075 |  |  |  | Monthly Property Tax Amount | titlePage | 635.59 | 0.00 | Monthly Property Tax Amount of $635.59 updated as per the Tax Cert, Escrow Waiver is in File |
|  | 2501145075 |  |  |  | Mortgage Insurance Flag | mortgageInsurancePage | No | 0 | Mortgage Insurance Flag is verified to be "No" |
|  | 2501145075 |  |  |  | Total Monthly Property Insurance Amount | propertyInsurancePage | 136.97 | 0.00 | Total Monthly Property Insurance Amount of $136.97 updated as per the Ho3 Policy, Escrow Waiver is in File |
|  | 7000111640 |  |  |  | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | Borrower is not self-employed. He is wage earner per income documentation on file. |
|  | 7000111640 |  |  |  | Note Date | notePage |  |  | Note date updated per Note document on page #454. |
|  | 7000112523 |  |  |  | Note Date | notePage |  |  | Note date verified from Note document |
|  | 7000112523 |  |  |  | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | Doctype updated as per loan program and documentation. |
|  | 7000112126 |  |  |  | Property Type | propertyValuationPage | PUD | Single Family Detached | Property is a PUD per 1008, DOT and apprasal report. |
|  | 7000112126 |  |  |  | Note Date | notePage |  |  | Note date updated per Note document on page #563. |
|  | 7000112126 |  |  |  | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | Borrower 1 is not self employed. Borrower 2 is self employed and updated the same. |
|  | 7000112126 |  |  |  | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage |  |  | Tape data shows only P&I amount whereas true data shows PITIA. |
|  | 7000114330 |  |  |  | Note Date | notePage |  |  | Note date updated per Note document on page #357. |
|  | 7000114330 |  |  |  | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | Doc type updated per income qualification method, 12 months bank statements were used for qualfiictation. |
|  | 2503150824 |  |  |  | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | coming soon | B1 Self Employment Flag is Yes for B1 since borrower has 2 incomes one is self employed and other is wage income. |
|  | 2503150824 |  |  |  | Application Date | complianceDetailPage |  |  |  |
|  | 2503150824 |  |  |  | Interest Rate | notePage | 6.5 | 0.0000 | Interest Rate 6.5% entered as per Note doc pg-444. tape data is reflecting other value. Confirmed. |
|  | 2503150824 |  |  |  | Monthly Property Tax Amount | titlePage | 1754.59 | 0.00 | True data is correct and verified as per tax cert pg-523, semiannual tax amnt is $10,527.55/6=$1,754.59. Tape data shows null value/$0. Hence confirmed. |
|  | 2503150824 |  |  |  | Total Monthly Property Insurance Amount | propertyInsurancePage | 171.18 | 0.00 | True data is correct and verified as per HOI cert pg-361-365, annual Premium amnt is $2,054.13/12=$171.18. Tape data shows null value/$0. Hence confirmed. |
|  | 2503150824 |  |  |  | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.92 | 47.53 | True data DTI 47.92% is matching with 1008 DTI calculations. Tape data reflecting lender approval projected DTI value 47.53% |
|  | 2503149651 |  |  |  | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | coming soon | Borrower 1 Self-Employed hence selection made as Yes |
|  | 2503149651 |  |  |  | Loan Purpose | the1003Page | Refinance | NoCash-Out Refinance | Loan Purpose selection made as per dropdown |
|  | 2503149651 |  |  |  | Interest Rate | notePage | 6.375 | 0.0000 | Interest Rate verified from note |
|  | 2503149651 |  |  |  | Monthly Property Tax Amount | titlePage | 1547.03 | 0.00 | Monthly Property Tax Amount updated per tax sheet |
|  | 2503149651 |  |  |  | Total Monthly Property Insurance Amount | propertyInsurancePage | 161.93 | 0.00 | Total Monthly Property Insurance Amount verified and updated per Hazard document |
|  | 4461297634 |  |  |  | Borrower 1 FTHB | disclosuresPage | true | N |  |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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|  | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| ASF Loan Number | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** |
|  | 7000111313 |  |  | XXXX | C | C | C | C | C | D | D | D | D | D | C | C | C | C | C | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | 7000113489 |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | 7000111435 |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | 2501145075 |  |  | XXXX | D | D | D | D | D | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | 7000111640 |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
|  | 7000112523 |  |  | XXXX | C | C | C | C | C | D | D | D | D | D | D | D | D | D | D | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | 7000112126 |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | 7000114330 |  |  | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | 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 |
|  | 2503150824 |  |  | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | 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 |
|  | 2503149651 |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | 4461297634 |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
|  | 4461297675 |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | 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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## Exhibit 99.7

**Exhibit 99.7 Schedule 3**

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| ASF Loan Number | **LoanRecordID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
|  |  | 7000111313 |  |  |  | xxx - DSCR | Debt Service Coverage Ratio | Present | No | 0 | 2800 | Appraisal - 1007 |  | N/A |  |  | 2800 | Appraisal - 1007 | No | 70.8 | 1.412 | 1.412 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 43400 |  | XXXX |  | 2800 |  |  |  |  |  |  | No | No | 0.1 | 1 | 1 | N/A |  | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |  |  |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 4**

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
|  |  | 7000111313 |  |  | Closed | 2025-03-31 07:16 | 2025-04-02 06:29 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-04/02/2025 <br> Ready for Review-Document Uploaded. Certified Stamped Final HUD1 - Seller-04/01/2025 <br> Open-Based on one of the huds in the file there is a payoff to xxx need the stamped and certified final hud - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. Certified Stamped Final HUD1 - Seller-04/01/2025<br>| Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-04/02/2025<br>|  |  |  | FL | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
|  |  | 7000111313 |  |  | Closed | 2025-03-25 06:23 | 2025-03-31 07:13 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-03/28/2025 <br> Ready for Review-Document Uploaded. Title commitment that was updated prior to closing with the correct loan amount - Seller-03/27/2025 <br> Open-Title Coverage Amount of $0 is Less than Loan Amount In e-file Title on page#XXXX Title coverage amount is $XXXX less than the loan amount of $XXXX, Provide Title Coverage Amount of $XXXX is Less than or equal to Loan Amount. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. Title commitment that was updated prior to closing with the correct loan amount - Seller-03/27/2025<br>| Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-03/28/2025 |  |  |  | FL | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
|  |  | 7000111313 |  |  | Closed | 2025-03-25 08:33 | 2025-03-29 07:35 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Updated 1008, 1003 pages. LTV is in line - Due Diligence Vendor-03/29/2025 <br> Ready for Review-Document Uploaded. Updated 1008/1003 - Seller-03/28/2025 <br> Open-Appraisal value is not matching with Appraisal as per 1003 and 1008 appraisal value is $XXXX where as actual appraisal value is $XXXX. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. Updated 1008/1003 - Seller-03/28/2025<br>| Resolved-Updated 1008, 1003 pages. LTV is in line - Due Diligence Vendor-03/29/2025<br>|  |  |  | FL | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
|  |  | 7000111313 |  |  | Closed | 2025-03-25 07:35 | 2025-03-29 07:31 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated fraud page alerts cleared - Due Diligence Vendor-03/29/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/28/2025 <br> Open-Fraud Report Shows Uncleared Alerts Provide the updated fraud report, Fraud Report Shows Uncleared Alerts. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/28/2025<br>| Resolved-Updated fraud page alerts cleared - Due Diligence Vendor-03/29/2025<br>|  |  |  | FL | Investment | Refinance | Cash Out - Other |  | N/A | N/A |
|  |  | 7000113489 |  |  | Closed | 2025-03-25 22:05 | 2025-04-01 05:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-03/31/2025 <br>Ready for Review-Document Uploaded. Preliminary Title Report - Seller-03/28/2025 <br>Open-Title Document is missing Provide title document as it is missing from file. - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. Preliminary Title Report - Seller-03/28/2025<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-03/31/2025<br>|  |  |  | PA | Primary Residence | Refinance | Cash Out - Other |  | N/A | N/A |
|  |  | 7000113489 |  |  | Closed | 2025-03-31 07:58 | 2025-04-01 05:48 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/01/2025 <br> Ready for Review-Document Uploaded. Title Supp for loan amount - Seller-03/31/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount Loan amount is XXXX - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. Title Supp for loan amount - Seller-03/31/2025<br>| Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/01/2025 |  |  |  | PA | Primary Residence | Refinance | Cash Out - Other |  | N/A | N/A |
|  |  | 7000113489 |  |  | Closed | 2025-03-25 22:43 | 2025-04-01 01:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/01/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/31/2025 <br> Open-Missing Third Party Fraud Report Provide fraud report as it is missing from file. - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/31/2025<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/01/2025<br>|  |  |  | PA | Primary Residence | Refinance | Cash Out - Other |  | N/A | N/A |
|  |  | 7000113489 |  |  | Closed | 2025-03-25 22:14 | 2025-04-01 01:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Bank Statement Summary Lender Worksheet / Income Calculator Provided. - Due Diligence Vendor-04/01/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-04/01/2025 <br> Ready for Review-Document Uploaded. Income Worksheets - Seller-03/31/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide lender income calculation worksheet as it is missing from file. - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. Income Worksheets - Seller-03/31/2025<br>| Resolved-Bank Statement Summary Lender Worksheet / Income Calculator Provided. - Due Diligence Vendor-04/01/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-04/01/2025<br>|  |  |  | PA | Primary Residence | Refinance | Cash Out - Other |  | N/A | N/A |
|  |  | 7000111435 |  |  | Closed | 2025-03-25 23:49 | 2025-04-09 05:56 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Disbursement date on Final CD is 03-XX-2025 which is after the Hazard Insurance Effective Date of 03-XX-2025, Verified - Resolved - Due Diligence Vendor-04/09/2025 <br> Ready for Review-Loan funded 3/XX. Policy starts 3/XX we should be good on this one - Seller-04/08/2025 <br> Open-Hazard Insurance Effective Date of 03-XX-2025 is after the Note Date of XXXX, Provide the updated Hazard Insurance Policy Period with 03/XX/2024-03/XX/2025. - Due Diligence Vendor-03/26/2025 | Ready for Review-Loan funded 3/XX. Policy starts 3/XX we should be good on this one - Seller-04/08/2025 | Resolved-Disbursement date on Final CD is 03-XX-2025 which is after the Hazard Insurance Effective Date of 03-XX-2025, Verified - Resolved - Due Diligence Vendor-04/09/2025 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other |  | N/A | N/A |
|  |  | 7000111435 |  |  | Closed | 2025-03-26 06:46 | 2025-04-07 06:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-04/07/2025 <br> Ready for Review-Document Uploaded. Income Worksheet, 1008 & 1003 - Seller-04/04/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Bank Statement worksheet in file reflects $XXXX which does not match F1003/1008 Income of $XXXX. - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. Income Worksheet, 1008 & 1003 - Seller-04/04/2025<br>| Resolved-Validation Resolved' - Due Diligence Vendor-04/07/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other |  | N/A | N/A |
|  |  | 7000111435 |  |  | Closed | 2025-03-26 06:51 | 2025-04-07 02:31 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History is verified to be Free and Clear, Verified - Resolved - Due Diligence Vendor-04/07/2025 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/07/2025 <br> Ready for Review-Document Uploaded. UW response: The borrower owns the subject free and clear so there would not be a mortgage history. - Seller-04/04/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Unable to verify the Borrowers 12 Primary months, Provide the 12 months Primary months history of Borrower to meet GL Requirements. - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. UW response: The borrower owns the subject free and clear so there would not be a mortgage history. - Seller-04/04/2025<br>| Resolved-Housing History is verified to be Free and Clear, Verified - Resolved - Due Diligence Vendor-04/07/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/07/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other |  | N/A | N/A |
|  |  | 7000111435 |  |  | Closed | 2025-03-25 23:26 | 2025-04-07 02:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/07/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/07/2025 <br>Ready for Review-Document Uploaded. Gap Credit - Seller-04/04/2025 <br>Open-Borrower 1 Gap Credit Report is Missing. - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-04/04/2025<br>| Resolved-Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/07/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/07/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other |  | N/A | N/A |
|  |  | 7000111435 |  |  | Closed | 2025-03-25 23:35 | 2025-03-28 06:49 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation (SSR Freddie Mac) Provided. Resolved - Due Diligence Vendor-03/28/2025 <br>Ready for Review-Document Uploaded. Freddie SSR - Seller-03/27/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide the Second Appraisal/ Valuation is Missing. - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. Freddie SSR - Seller-03/27/2025<br>| Resolved-Secondary Valuation or Additional Valuation (SSR Freddie Mac) Provided. Resolved - Due Diligence Vendor-03/28/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other |  | N/A | N/A |
|  |  | 2501145075 |  |  | Closed | 2025-03-31 10:41 | 2025-04-22 08:47 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (xx) | Resolved-Resolved - Due Diligence Vendor-04/22/2025 <br> Ready for Review-Document Uploaded. - Seller-04/18/2025 <br> Counter-Requesting a Change of Circumstance for the Lender Credit. A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($22.55) were applied to the total fee variance of ($22.65) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-04/15/2025 <br> Ready for Review-Document Uploaded. - Seller-04/11/2025 <br> Counter-The COC provided below is for another borrower. - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Document Uploaded. - Seller-04/09/2025 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($22.55) were applied to the total fee variance of ($22.65) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. - Seller-04/18/2025 <br>Ready for Review-Document Uploaded. - Seller-04/11/2025 <br>Ready for Review-Document Uploaded. - Seller-04/09/2025<br>| Resolved-Resolved - Due Diligence Vendor-04/22/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA |  | N/A | N/A |
|  |  | 2501145075 |  |  | Closed | 2025-03-26 02:54 | 2025-04-10 04:04 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Final Title Policy uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/10/2025 <br>Resolved-Property Title Issue Resolved - Due Diligence Vendor-04/10/2025 <br>Ready for Review-Document Uploaded. - Seller-04/09/2025 <br>Open-Property Title Issue Provide updated Supplement/ Title Report to verify the unsecured property tax lien of $2,787.60 is cleared. - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. - Seller-04/09/2025<br>| Resolved-Final Title Policy uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/10/2025 <br>Resolved-Property Title Issue Resolved - Due Diligence Vendor-04/10/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA |  | N/A | N/A |
|  |  | 2501145075 |  |  | Closed | 2025-03-27 03:59 | 2025-04-01 01:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower 1 Executed 4506-T Provided. - Due Diligence Vendor-04/01/2025 <br>Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-04/01/2025 <br>Ready for Review-Document Uploaded. - Seller-03/31/2025 <br>Open-Borrower 1 Executed 4506-T Missing Provide Borrower 1 Executed 4506-C Document, Missing in File - Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. - Seller-03/31/2025<br>| Resolved-Borrower 1 Executed 4506-T Provided. - Due Diligence Vendor-04/01/2025 <br>Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-04/01/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA |  | N/A | N/A |
|  |  | 7000111640 |  |  | Closed | 2025-03-28 13:17 | 2025-04-04 07:06 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing VOM or VOR | Waived- - Due Diligence Vendor-04/04/2025 <br> Ready for Review-Document Uploaded. Exception Approval - Seller-04/03/XX25 <br> Counter-Exception not in file - Due Diligence Vendor-04/01/2025 <br> Ready for Review-Document Uploaded. UW Response: for the previous residence we don't have a VOR, borrower was unable to validate it, so I followed the guide on less than 12 months housing validated and exception rec'd for using asset utilization with less than 12 mo housing history validated - Seller-04/01/2025 <br> Open-VOR for last five months at XXXX required to make 12 months - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. Exception Approval - Seller-04/03/XX25 <br> Ready for Review-Document Uploaded. UW Response: for the previous residence we don't have a VOR, borrower was unable to validate it, so I followed the guide on less than 12 months housing validated and exception rec'd for using asset utilization with less than 12 mo housing history validated - Seller-04/01/2025 |  |  |  | DTI is 35.76%. Maximum allowed per guidelines is 50%.<br> Credit Score is 778. Minimum required per guidelines is 740.<br> Borrower(s) have 58.75 months Reserves. Minimum required per guidelines is 0 months.<br>| HI | Primary Residence | Purchase | NA |  | Originator Pre-Close | Yes |
|  |  | 7000111640 |  |  | Closed | 2025-03-27 06:41 | 2025-04-01 11:31 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-received proof of payment history for child support received - Due Diligence Vendor-04/01/2025 <br> Ready for Review-Document Uploaded. UW used the court payment history for receipt of the child support, see attached - Seller-04/01/2025 <br> Open-Proof of 6 months child support received required. Divorce decree states until 18 or 23 depending on graduation. - Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. UW used the court payment history for receipt of the child support, see attached - Seller-04/01/2025<br>| Resolved-received proof of payment history for child support received - Due Diligence Vendor-04/01/2025<br>|  |  |  | HI | Primary Residence | Purchase | NA |  | N/A | N/A |
|  |  | 7000111640 |  |  | Closed | 2025-03-27 07:04 | 2025-04-01 01:14 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud Report shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-04/01/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/01/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/31/2025 <br>Open-Fraud Report Shows Uncleared Alerts Fraud report shows uncleared alerts. - Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/31/2025<br>| Resolved-Provided Fraud Report shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-04/01/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/01/2025<br>|  |  |  | HI | Primary Residence | Purchase | NA |  | N/A | N/A |
|  |  | 7000112523 |  |  | Closed | 2025-03-31 06:49 | 2025-04-02 06:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-04/02/2025 <br> Ready for Review-Document Uploaded. Initial 1003 - Seller-04/01/2025 <br> Open-The Initial 1003 is Missing Provide the updated Initial 1003 with Loan Originator Signature. - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. Initial 1003 - Seller-04/01/2025<br>| Resolved-The Initial 1003 is Present - Due Diligence Vendor-04/02/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA |  | N/A | N/A |
|  |  | 7000112523 |  |  | Closed | 2025-03-29 11:03 | 2025-04-02 00:39 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements. LOX provided stating Loan is with xxx. Prior was xxx. - Due Diligence Vendor-04/02/2025 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/02/2025 <br> Ready for Review-Document Uploaded. UW lox: Loan is with xxx. Prior was xxx. See attached snippet from credit - Seller-04/01/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Unable to verify the Borrowers 12 Primary months, Provide the 12 months Primary months history of Borrower to meet GL Requirements. - Due Diligence Vendor-03/29/2025 | Ready for Review-Document Uploaded. UW lox: Loan is with xxx. Prior was xxx. See attached snippet from credit - Seller-04/01/2025<br>| Resolved-Housing History Meets Guideline Requirements. LOX provided stating Loan is with xxx. Prior was xxx. - Due Diligence Vendor-04/02/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/02/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA |  | N/A | N/A |
|  |  | 7000112523 |  |  | Closed | 2025-03-29 07:24 | 2025-04-02 00:28 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud Report shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-04/02/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/02/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/01/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide the updated fraud report, Fraud Report Shows Uncleared Alerts. - Due Diligence Vendor-03/29/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/01/2025<br>| Resolved-Provided Fraud Report shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-04/02/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/02/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA |  | N/A | N/A |
|  |  | 7000112523 |  |  | Closed | 2025-03-29 07:20 | 2025-04-02 00:27 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Wire Proof for Gift Funds provided. - Due Diligence Vendor-04/02/2025 <br> Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-04/02/2025 <br> Ready for Review-Document Uploaded. Gift wire - Seller-04/01/2025 <br> Open-Asset Record 3 Does Not Meet G/L Requirements We have Gift Funds amount $XXXX as per the final 1003 & Gift letter on pageXXXX but proof of document is missing in file, please provide. - Due Diligence Vendor-03/29/2025 | Ready for Review-Document Uploaded. Gift wire - Seller-04/01/2025<br>| Resolved-Wire Proof for Gift Funds provided. - Due Diligence Vendor-04/02/2025 <br>Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-04/02/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA |  | N/A | N/A |
|  |  | 7000112523 |  |  | Closed | 2025-03-29 06:58 | 2025-04-01 01:27 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Freddie Mac provided with score.<br> - Due Diligence Vendor-04/01/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/01/2025 <br> Ready for Review-Document Uploaded. XXXX - Seller-03/31/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide the Second Appraisal/ Valuation is Missing. - Due Diligence Vendor-03/29/2025 | Ready for Review-Document Uploaded. Freddie SSR - Seller-03/31/2025<br>| Resolved-Freddie Mac provided with score.<br> - Due Diligence Vendor-04/01/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/01/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA |  | N/A | N/A |
|  |  | 7000112126 |  |  | Closed | 2025-03-29 00:07 | 2025-04-02 14:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Validation Resolved' - Due Diligence Vendor-04/02/2025 <br> Ready for Review-Document Uploaded. 12 months rent payment history. There are 2 addresses, since borrower was only at current residence for 9 months.<br> - Seller-04/02/2025 <br> Open-VOR/VOM Doc Status should not be 'Missing'. Borrowers are renting at their primary residence. Provide VOR for 12 months rent history. - Due Diligence Vendor-03/29/2025 | Ready for Review-Document Uploaded. 12 months rent payment history. There are 2 addresses, since borrower was only at current residence for 9 months.<br> - Seller-04/02/2025<br>| Resolved-Validation Resolved' - Due Diligence Vendor-04/02/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA |  | N/A | N/A |
|  |  | 7000112126 |  |  | Closed | 2025-03-28 22:51 | 2025-04-01 01:20 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/01/2025 <br> Ready for Review-Document Uploaded. Title Supplement for correct loan amount coverage - Seller-03/31/2025 <br> Open-Title Coverage Amount of $0 is Less than Loan Amount Provide title document covering full loan amount as the on file doesn't show coverage amount. - Due Diligence Vendor-03/29/2025 | Ready for Review-Document Uploaded. Title Supplement for correct loan amount coverage - Seller-03/31/2025<br>| Resolved-Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/01/2025 |  |  |  | CA | Primary Residence | Purchase | NA |  | N/A | N/A |
|  |  | 7000114330 |  |  | Closed | 2025-04-02 00:22 | 2025-04-08 06:11 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/08/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/08/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/07/2025 <br>Open-Fraud Report Shows Uncleared Alerts Fraud report shows high and low uncleared alerts. - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/07/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/08/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/08/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA |  | N/A | N/A |
|  |  | 2503150824 |  |  | Closed | 2025-04-07 09:31 | 2025-04-17 06:14 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-04/15/2025 <br> Ready for Review-Document Uploaded. - Seller-04/11/2025 <br> Counter-Uploaded is Duplicate XXXX statement for February 2025. Asset Record 1 Does Not Meet G/L Requirements XXXX 2/18/2025 covers 30 day period. Guidelines 2/14/2025 Page 52 7.5.1 Account Statements should cover most recent 60 day period. Requesting corresponding months statement for verification of reserves. - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Document Uploaded. - Seller-04/09/2025 <br> Open-Asset Record 1 Does Not Meet G/L Requirements XXXX 2/18/2025 covers 30 day period. Guidelines 2/14/2025 Page 52 7.5.1 Account Statements should cover most recent 60 day period. Requesting corresponding months statement for verification of reserves. - Due Diligence Vendor-04/07/2025 | Ready for Review-Document Uploaded. - Seller-04/11/2025 <br>Ready for Review-Document Uploaded. - Seller-04/09/2025<br>| Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-04/15/2025<br>|  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  | N/A | N/A |
|  |  | 2503150824 |  |  | Closed | 2025-04-07 09:31 | 2025-04-17 06:14 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-04/15/2025 <br> Ready for Review-Document Uploaded. - Seller-04/11/2025 <br> Counter-Uploaded is Duplicate XXXXstatement for February 2025. Asset Record 1 Does Not Meet G/L RequirementsXXXX 2/18/2025 covers 30 day period. Guidelines 2/14/2025 Page 52 7.5.1 Account Statements should cover most recent 60 day period. Requesting corresponding months statement for verification of reserves. - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Document Uploaded. - Seller-04/09/2025 <br> Open-Asset Record 2 Does Not Meet G/L Requirements XXXX 2/18/2025 covers 30 day period. Guidelines 2/14/2025 Page 52 7.5.1 Account Statements should cover most recent 60 day period. Requesting corresponding months statement for verification of reserves. - Due Diligence Vendor-04/07/2025 | Ready for Review-Document Uploaded. - Seller-04/11/2025 <br>Ready for Review-Document Uploaded. - Seller-04/09/2025<br>| Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-04/15/2025<br>|  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  | N/A | N/A |
|  |  | 2503150824 |  |  | Closed | 2025-04-07 09:31 | 2025-04-17 06:14 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Document Uploaded. - Seller-04/09/2025 <br> Open-Asset Record 3 Does Not Meet G/L Requirements XXXX statement 2/28/2025 covers 30 day period. Guidelines 2/14/2025 Page 52 7.5.1 Account Statements should cover most recent 60 day period. Requesting corresponding months statement for verification of reserves. - Due Diligence Vendor-04/07/2025 | Ready for Review-Document Uploaded. - Seller-04/09/2025<br>| Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-04/11/2025<br>|  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  | N/A | N/A |
|  |  | 4461297634 |  |  | Closed | 2025-06-11 00:11 | 2025-06-11 07:32 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien XXXX)(Conforming) | Resolved-The loan's (9.009%) APR equals or exceeds the Federal HPML threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.92%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#675 and the Final Closing disclosure on Pg#385, Finding reflects escrows. Rate lock date was entered correctly – see Pg#727. An interior and exterior appraisal was completed for this property – see pg #28, the appraisal disclosure is disclosure provided on Page #25-27, and confirmation the appraisal was delivered to the borrower – see Pg#496. The loan meets HPML guidelines, resolved.<br>- Due Diligence Vendor-06/11/2025 |  | Resolved-The loan's (9.009%) APR equals or exceeds the Federal HPML threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.92%).(12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#675 and the Final Closing disclosure on Pg#385, Finding reflects escrows. Rate lock date was entered correctly – see Pg#727. An interior and exterior appraisal was completed for this property – see pg #28, the appraisal disclosure is disclosure provided on Page #25-27, and confirmation the appraisal was delivered to the borrower – see Pg#496. The loan meets HPML guidelines, resolved.<br>- Due Diligence Vendor-06/11/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA |  | N/A | N/A |
|  |  | 4461297634 |  |  | Closed | 2025-06-11 00:11 | 2025-06-11 07:32 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien XXXX)(Conforming) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.009%) equals or exceeds the California HPML threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.92%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#675 and the Final Closing disclosure on Pg#385, Finding reflects escrows. Rate lock date was entered correctly – see Pg#727. An interior and exterior appraisal was completed for this property – see pg #28, the appraisal disclosure is disclosure provided on Page #25-27, and confirmation the appraisal was delivered to the borrower – see Pg#496. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/11/2025 |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.009%) equals or exceeds the California HPML threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.92%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) 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. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#675 and the Final Closing disclosure on Pg#385, Finding reflects escrows. Rate lock date was entered correctly – see Pg#727. An interior and exterior appraisal was completed for this property – see pg #28, the appraisal disclosure is disclosure provided on Page #25-27, and confirmation the appraisal was delivered to the borrower – see Pg#496. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/11/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA |  | N/A | N/A |

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## Exhibit 99.7

**Exhibit 99.7 Schedule 5**

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| ASF Loan Number | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
|  | 7000111313 |  |  |  |  |  |  |  |  | 1004 URAR |  |  |  | 46.08 | 46.08 |  | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-27-2025 |
|  | 7000113489 |  |  |  |  |  |  |  |  | 1004 URAR |  |  |  | 65.0 | 65.0 |  | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 03-06-2025 |
|  | 7000111435 |  |  |  |  |  |  |  |  | 1004 URAR |  |  |  | 26.83 | 26.83 |  | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-14-2025 |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-05-2025 | Eligible |  |  |
|  | 2501145075 |  |  |  |  |  |  |  |  | 1073 Individual Condo Report |  |  |  | 77.59 | 77.59 |  | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | 02-12-2025 |
|  | 7000111640 |  |  |  |  |  |  |  |  | 1004 URAR |  |  |  | 80.0 | 80.0 |  | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 03-10-2025 |
|  | 7000112523 |  |  |  |  |  |  |  |  | 1004 URAR |  |  |  | 84.95 | 84.95 |  | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-06-2025 | Eligible |  |  |
|  | 7000112126 |  |  |  |  |  |  |  |  | 1004 URAR |  |  |  | 80.0 | 80.0 |  | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-05-2025 |
|  | 7000114330 |  |  |  |  |  |  |  |  | 1004 URAR |  |  |  | 79.75 | 79.75 |  | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-20-2025 |
|  | 2503150824 |  |  |  |  |  |  |  |  | 1004 URAR |  |  |  | 67.44 | 67.44 |  | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 03-18-2025 |
|  | 2503149651 |  |  |  |  |  |  |  |  | 1004 URAR |  |  |  | 54.84 | 54.84 |  |  |  |  |  | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | 03-26-2025 |
|  | 4461297634 |  |  |  |  |  |  |  |  | 1004 URAR |  |  |  | 80.0 | 80.0 |  | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 | .0000 |  | Reasonable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | 4461297675 |  |  |  |  |  |  |  |  | 1004 URAR |  |  |  | 80.0 | 80.0 |  | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 | .0000 |  | Reasonable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.8

**Exhibit 99.8**

![](ex99-8_001.jpg)

**NARRATIVE**

**NRMLT 2025-NQM6**

**By Canopy Financial Technology Partners LLC on November 6, 2025**

Canopy Financial Technology Partners LLC

<u>chweeler@canopytpr.com</u> \| 801-792-2995 \| <u>www.canopytpr.com</u>

Address: 1 Research Court, Suite 450, Rockville, MD 20850

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex99-8_001.jpg)

**Description of Services**

Canopy Financial Technology Partners, LLC ("Canopy") performed certain due diligence services (the "Review) described below on Non-Agency Eligible Mortgage Loans ("Loans") backed by residential properties originated or acquired by Rithm Capital (the "Client") or its affiliated company. The Review was conducted from September 2024 to June 2025 via files imaged and provided by the Client for review.

The Review consisted of a population of four (4) loans with an aggregate principal balance of $1,233,400.

**Loan Sampling**

The Client defined the sample size and the random sampling of the Loans to be included in the Review.

The Review was conducted consistent with the criteria for the specific Nationally Recognized Statistical Rating Organizations (NRSROs); Fitch Ratings and Kroll Bond Rating Agency

**Data Integrity**

Canopy performed a data comparison review of the data fields provided by the Client on the loan tape to the data found in the actual Loan File as captured by Canopy. This comparison, when specific data was available, included the following data fields and tolerance levels noted below.

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** |
| &nbsp;&nbsp;All Borrower Total Income | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43, Do not Apply Tolerance if DTI >= 43 and AUS = No |
| &nbsp;&nbsp;Amortized Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Citizen | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;.25% tolerance |
| &nbsp;&nbsp;Escrow Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Higher Priced Mortgage Loan (HPML) Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Index | &nbsp;&nbsp;No tolerance |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex99-8_001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Margin (ARM Loan) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Interest Only Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;Origination BK Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Prepayment Penalty Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43, Do not Apply Tolerance if DTI >= 43 and AUS = No |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Underwriting Guideline Product Name | &nbsp;&nbsp;No tolerance |

---

**Credit Underwriting**

Canopy reviewed each Loan File to determine the adherence to defined underwriting or credit extension guidelines, standards, criteria or other requirements provided by the Client, including, as applicable, Ability to Repay (ATR) and Qualified Mortgage (QM) requirements. The Credit Qualification review consisted of the following:

**Loan Attributes.** To determine borrower program eligibility, Canopy verified the following loan attributes and, where applicable, re-calculated based on the information provided.

· Assets and Reserves;

· DTI;

· DSCR;

· Gross Income;

· Housing history;

· Lien Position;

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex99-8_001.jpg)

· Loan Purpose;

· LTV/CLTV;

· Monthly debt service;

· Occupancy;

· Property Type;

· Qualifying PITI; and

· Residual Income.

**Credit Application:** For the Credit Application (1003), Canopy verified whether

· All known borrower-owned properties are disclosed on the REO Section;

· Borrower(s) employment history ;

· Citizenship and eligibility;

· First time home buyer status ;

· The application was signed by all borrowers; and

· The application was substantially completed.

**Credit History:** Canopy verified:

· A credit report or alternative credit history as applicable to loan type is present for each borrower;

· Bankruptcy and foreclosure seasoning;

· Capture the monthly consumer debt payments for use in the applicable DTI calculation;

· Installment and revolving payment history;

· Mortgage/rental payment history;

· Note and research the Real Estate Owned, OFAC, and Fraud alerts;

· Number of tradelines; and

· Representative Credit Score and Methodology.

**Employment and Income:** Canopy determined whether all applicable supporting documentation as required by Seller's Guidelines and Ability to Repay ("**ATR**") when applicable per above were in the file. The documentation was used to verify whether the income used to qualify the loan was calculated in accordance with Seller's Guidelines. Documentation verifying employment and income were deemed acceptable if it was a third-party document as required by the Seller's Guidelines and ATR when applicable per above and may include:

· Verbal or Written VOE's;

· Paystubs;

· W-2 forms;

· Tax returns;

· Financial statements;

· Award letters;

· IRS Tax Transcripts (compared to Tax Returns provided by Borrower(s)).

**Fraud Review:** For all Loans, the Client provided the results from a third-party anti-fraud tool to Vendor.

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex99-8_001.jpg)

In accordance with the type of fraud report provided, Canopy utilized the results provided by the Client along with information in the Loan File, to identify and address any potential misrepresentations including:

· Borrower identity:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Social Security inconsistencies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Borrower name variations

· Employment:

· Licensing – reviewed NMLS data for:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Mortgage lender/originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Loan officer

· Occupancy:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Borrower address history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Subject property ownership history

· OFAC.

**Asset Review:** Canopy assessed whether the asset documentation required by the Seller's Guidelines and ATR, when applicable, was present in the Loan File. Canopy also conducted a review of the reserve calculation, if used to determine ATR or required by the Seller's Guidelines, including a review of any large deposits. Canopy re-calculated gross, net, and liquid asset balances. The Asset Review also consisted of verifying the down payment, closing costs, prepaid items and reserves. Documentation used to verify assets for down payment, closing costs, prepaid items and reserves may have included:

· Depository account statements;

· Gift funds;

· Settlement statement or other evidence of conveyance and transfer of funds if a sale of assets was involved;

· Stock or security account statements; and/or

· VOD's.

**Hazard/Flood insurance/Taxes:** A review of the insurance present on the loan was performed by Canopy as follows:

· Confirmed that the flood certification is for the correct borrower, property, lender and loan number and is a "Life of Loan"
certification;

· Confirmed that the mortgagee clause lists the lender's name and "its successors and assigns;"

· Confirmed that the premium amount on both the hazard and flood insurance match what was used in the DTI calculations;

· For condominium properties, confirmed that the blanket policy meets the minimum amount of coverage in the guidelines;

· For properties in a flood zone per the flood certification, confirmed that flood insurance meets guideline requirements in the file
and met the minimum required amount of coverage in the guidelines;

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex99-8_001.jpg)

· Reviewed Tax Certificate to verify and compare monthly escrows used to calculate DTI matches and that taxes are current; and

· Verified that the hazard insurance meets the minimum required amount of coverage in the guidelines.

**Automated Underwriting System Findings:** N/A

**Document Review**

Canopy reviewed each Loan File and verified if the following documents, as applicable, were included in the file and if the data on these documents was consistent (where applicable):

· Initial application (1003);

· Final application (1003);

· Note;

· Mortgage/Deed of Trust;

· Appraisal;

· Sales Contract;

· Title Commitment/Policy;

· Junior Lien/Subordination Agreement;

· Mortgage Insurance;

· Underwriting Approval Documentation inclusive, but not limited to documents listed in the Credit Review section herein;

· Flood Certification;

· Initial and Final Loan Estimate (LE);

· Initial and Final and Closing Disclosure (CD);

· Post-Consummation Closing Disclosure (PC-CD) [if applicable].

**Business Purpose Validation**

For Loans originated as Business Purpose loans (as defined by Regulation Z [12 CFR 1026], and its supporting commentary, the implementing regulation of the Truth-in-Lending Act ("TILA") [15 U.S.C. 1601 et seq.]), Canopy assessed that the facts and circumstances of the subject loan did not trigger Consumer Purpose classification (also as defined by Regulation Z [12 CFR 1026], and its supporting commentary, the implementing regulation of the Truth-in-Lending Act [15 U.S.C. 1601 et seq.]).

**"Missing Document" to Cleared Exception:** In the event that there was no express statement in the Loan File, and there was no express evidence in the Loan File that the loan proceeds were used for "Business Purpose" Canopy assigned the file a "D" grade for missing said documentation. In the event that the express statement, or with clear, unequivocal documented evidence of use of loan proceeds for non-consumer, business purpose, was provided by the lender that defines and/or evidences the "primary purpose" of the loan as "business purpose" the "D" grade – "Missing Document", was cleared by Canopy.

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex99-8_001.jpg)

**"Missing Document" to "B" Grade:** In the event that there was no express statement in the Loan File, and there was no express evidence provided that the loan proceeds were used for "Business Purpose", Canopy gave the file a "D" grade, for missing documentation. In the event that there was not any express statement or evidence of business purpose use of the proceeds, then the "D" grade – "Missing Document" initial finding was re-graded after conducting a full Consumer Purpose, regulatory compliance review, as applicable to assignees for Consumer Purpose loans. In the event that the loan did not violate any applicable regulatory compliance obligations, the loan was re-graded as a "B" grade final finding.

**"Material Compliance Violation":** In the event that no express statement existed in the Loan File, Canopy assessed any and all documentation provided to determine what the actual use of the proceeds were, to best identify that the "primary purpose" of the loan was not in fact for "business purpose" as relied upon by the lender, but is in fact for a "consumer purpose". If, in fact, evidence existed that the proceeds were used for personal, Consumer Purpose, then Canopy identified that the "primary purpose" of the loan is not "business purpose" and as "consumer purpose" subject to the full Consumer Purpose regulatory compliance obligations of an originator as it applies to an assignee, with a material compliance exception of a "C" grade.

**"Material Compliance Violation" to "B" Grade:** The above noted Material Compliance Violation was re-graded to a "B" grade by conducting a full Consumer Purpose regulatory compliance review, as applicable to assignees for Consumer Purpose loans, and in the event that the loan did not violate any applicable regulatory compliance obligations, the loan was re-graded as a "B" grade final finding.

**Compliance Review**

Canopy reviewed each Loan File and, if applicable, verified that it was consummated in compliance with the applicable federal, state, and local anti-predatory lending statutes in effect at the time of origination of the mortgage loan. Canopy's review included, but was not limited to, the verification and validation that each mortgage loan met the relevant provisions of:

(i) **Anti-Predatory Lending** requirements, that are imposed by federal, state and/or local statutory, regulatory or authoritative
determinations (e.g. state constitutional provisions, ordinances, interpretations, judicial determinations, etc.) that impose civil or
criminal liability upon the Assignee or may cause significant loss severity to the value of the Loan, including HOEPA and any state and
local high-cost home loan laws. Assignee shall have the meaning as defined in TILA;

(ii) the **Truth in Lending Act** (" <u>TILA</u> "), as amended by HOEPA, 15 U.S.C. §1601 et seq., as implemented by
Regulation Z, 12 C.F.R. Part 1026;

(iii) the **Real Estate Settlement Procedures Act** (" <u>RESPA</u> "), 12 U.S.C. §2603, as implemented by Regulation
X, 12 C.F.R. Part 1024;

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex99-8_001.jpg)

(iv) the **Equal Credit Opportunity Act** ("ECOA") **, 15 U.S.C.** §1691 as implemented by Regulation B, 12 C.F.R.
§1001.1(b);

**I.** **Compliance Documentation Requirements** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review of the following documents as they related to regulatory compliance:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Initial and final application (1003)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Note, including all addendums

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Copy of note for any junior liens (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Mortgage / Deed of Trust, including all riders

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Initial, Interim, and Final Loan Estimates ("LE")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Initial CD (i.e., the CD required to be received by the borrower(s) at least 3 business days prior to
consummation) and re-disclosed CDs (as applicable and permitted by TILA/Regulation Z)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Notice of Right to Cancel (as applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Rate Lock Date Information;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. HOEPA Disclosures (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Initial Escrow Account Disclosure

**II.** **Anti-Predatory Lending (Assignee Liability)** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Loans were reviewed for violations of federal, state & local high cost,
higher-priced and/or consumer finance laws and regulations that carry Assignee Liability, including those defined below. Any loan that
is determined to be classified and/or defined as high cost, higher-priced, subprime, threshold, predatory high risk, covered or similar
classification/definition was reported.

**III.** **Compliance Testing Elements** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. **Truth-in-Lending Act (TILA) / Regulation Z**: Loans were reviewed to
determine compliance with the following requirements of TILA and Regulation Z, including, but not limited to, the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. **TILA/RESPA Integrated Disclosure Testing ("TRID")**. A review and comparison of LEs and
CDs with a report outlining any TILA violations, including a re-calculation of disclosed finance charge, principal and interest calculations,
proper completion of the Projected Payments table, total of payments, finance charge, amount financed, recalculation of disclosed APR
and a review to determine disclosure differences were within the allowed tolerances and disclosures were provided within the required
timeframes. Testing will be conducted to fulfill the elements of the Structured Finance Association (SFA) TRID Compliance Review Scope
("TRID Grid 4.0");

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. **Right of Rescission**. A review of the TILA Right of Rescission, Notice of Right to Cancel, including
a verification of the transaction date and expiration date, ensuring proper execution of the Notice of Right to Cancel by all required
parties, verifying the disbursement date and determining if a full three (3) day rescission period was adequately provided to the borrower(s).
The appropriate Model Form will be tested according to applicable U.S. Court of Appeals, Circuit Court rulings;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. **Qualified Mortgage and Ability to Repay**. A review to ensure the mortgage loan meets the applicable
Qualified Mortgage ("QM") and Ability-to-Repay ("ATR") requirements as set forth in regulations promulgated by
the Consumer Financial Protection Bureau as found at 12 CFR § 1026.43. QM and ATR testing is detailed below.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. **Real Estate Settlement Procedures Act (RESPA)/Regulation X**: Review
to ensure compliance with RESPA/Regulation X documentation and timing requirements in effect at origination of the mortgage loan for RESPA
disclosures (Servicing Disclosure Statement; Affiliated Business Arrangement Disclosure; Initial Escrow Disclosure Statement; List of
Homeownership Counselling Organizations).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. **Equal Credit Opportunity Act (ECOA)/Regulation B**: Confirm compliance
with the January 18, 2014 requirements regarding the disclosure of the right to receive a copy of appraisals within three (3) business
days of application, the right to receive a copy of the appraisals at least three (3) business days prior to consummation and any applicable
waiver. The disclosure of the right to receive a copy of appraisals may be met by the disclosure on the Loan Estimate pursuant to 12 CFR
§ 1026.27(m)(1).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. **Fair Credit Reporting Act (FRCA)/Regulation V**: Confirm compliance
with the current FCRA/Regulation V requirements regarding risk-based pricing notice, credit score disclosure and Notice to Home Loan Applicant,
as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**e.** **Miscellaneous Compliance Testing:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Mandatory Arbitration – Canopy will report mandatory arbitration provisions
present in the Loan File.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Single Premium Credit Insurance – Canopy will report single premium credit insurance policies or
debt cancellation agreements present in the Loan File.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. TPR will test for state prepayment and late charge restrictions. If a prepayment
penalty that exceeds the state permitted penalty has expired, this must be reported.

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**State & Local Anti-Predatory Requirements**

The following is an itemization of the generally understood current and historical state and local anti-predatory lending requirements, as customary in secondary market due diligence compliance testing:

· Arkansas Home Loan Protection Act, Ark. Stat. Ann. § 23-53-101 et seq.

· California Anti-Predatory Lending ("Covered Loan", Cal. Fin. Code § 4970 et seq.

· California Higher-Priced Mortgage Loan ("CA HPML"), Cal. Fin. Code §4995 et seq.

· Colorado Consumer Equity Protection Act, Colo. Rev. Stat. § 5-3.5-101 et seq.

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

· Connecticut Nonprime Home Loans, Conn. Gen. Stat. §§ 36a-760 et seq. (2008-2009) and (2009-Current)

· District of Columbia Home Loan Protection Act of 2002, D.C. Official Code § 26-1151.01 et seq., as
implemented by 20 D.C. Municipal Reg. § 2000.1 et seq. as well as DC Mortgage Disclosure Act of 2007.

· Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (2002 – 2014).

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

· Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq. (2003).

· Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code § 345.10 et seq. (Repealed)

· Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003), Ill. Comp. Stat. tit. 815 §§ 137/1
et seq. (2004).

· Illinois Predatory Lending Database Program, Public Act 95-0691 (SB 1167).

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

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

· Indiana Home Loan Practices Act, as amended by HB 1179 (2005) Ind. Code § 24-9-1 et seq.

· Kansas Consumer Credit Code, Section 16a-3-308a, Kan. Stat. Ann. § 16a-1-101 et seq. 16.

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

· Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages, 9A Me. Rev. Stat. Ann.
§§ 8-103(1); 8-206(8); 8-206A and Maine Legislative Document 1869 (2007), 2125 (2008) and 1439 (2009), and regulation Z-3.

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

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

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

· Massachusetts "Borrower's Interest" Standard, M.G.L. Chapter 183, §28C.

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

· Massachusetts Regulations for Higher Priced Mortgage Loans, 209 Mass. Code Regs. §§ 32.00 et
seq.

· Massachusetts Subprime ARMs to First Time Homebuyers, M.G.L. Chapter 184, §17B.5.

· Michigan Consumer Mortgage Protection Act, Mich. Stat. Ann. § 445-1631 et seq.

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

· Nebraska Mortgage Bankers Registration and Licensing Act, Neb. Stat.§ 45-702 et seq.

· Nevada Anti-Predatory Lending Law, AB No. 284 (2003), as amended by AB 4 (2007), Nev. Rev. Stat. §
598D.010 et seq.

· New Jersey Home Ownership Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq.

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· New Mexico Home Loan Protection Act, SB 449 (2003) and as amended by SB 342 (2009), N.M. Stat. Ann. §
58-21A-1 et seq.

· New York High-Cost Home Loan Regulations (1A - Original Part 41), 3 NYCCR Part 41 (2001).

· New York High-Cost Home Loan Act (1B - § 6-l), N.Y. Bank. L.
Ch. 626., as implemented by 3 NYCCR Part 41 (2003) and as amended by Senate Bill 8143-A (2008).

· New York Subprime Home Loans, NY Bank. Law § 6-m.

· North Carolina Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-1.1A to 24-10.2 and North Carolina
Amendments to Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-9; 24-1.1(E)(a); 24-10.2(a) as amended.

· Ohio Anti-Predatory Lending Statute, HB 386, as amended by S.B. 185 (2006), Ohio Rev. Code Ann. §
1.63. · Ohio Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as implemented by Ohio Admin. Rules
§ 109 4-3-01 et seq.

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

· Summit County, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 2004-618, Muni. Code §§
201.01 et seq.

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

· Oklahoma Higher-Priced Mortgage Loans Law, Okla. Admin. Code §§ 160:45-9-1 et seq.

· Pennsylvania Consumer Equity Protection Act, 63 Pa. Cons. Stat. Ann. § 456.501 et seq.

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

· Rhode Island Home Loan Protection Act, Chapter 25.2 of Title 34 of RI Gen. L. et seq., as
implemented by Emergency Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended by Senate Bill 371 (2007).

· South Carolina High-Cost and Consumer Home Loans Act, S.C. Code § 37-23-10 et seq.

· South Carolina Consumer Protection Code, S.C. Code 37-1-101 et seq.

· Tennessee Home Loan Protection Act of 2006, TN Code Annotated, Title 47 et seq.

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

· The disclosure requirements and prohibitions of Section 50(a)(6) and 50(f)(2) of Article XVI of the Texas
Constitution

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

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

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

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

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

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

· West Virginia Residential Mortgage Lender, Broker and Servicer Act, W.Va. Code § 31-17-1 et seq.

· Wisconsin Responsible High Cost Mortgage Lending Act, Wis. Stat. § 428.202.

· Wyoming Credit Code, Wyo. Stat. Ann. §§ 40-14-101 et seq.

**QUALIFIED MORTGAGE (QM)** 

With respect to QM (Safe Harbor and Rebuttable Presumption) designated loans, Canopy reviews the loan to determine whether, based on available information in the Loan File: (i) the loan contains risky loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

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

For each QM designated loan that satisfied the applicable requirements enumerated above, Canopy then determines whether the loan is a Safe Harbor QM or Rebuttable Presumption QM by comparing the loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage.

**Ability to Repay (ATR)**

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

Note: for loans designated as QM – Agency eligible (QM – Temporary), Canopy will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

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

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**VALUATION REVIEW**

Canopy reviewed all appraisals and alternative value tools used to qualify the Loan for reasonableness of estimated value, integrity of comparable sales, completeness of data and eligibility of the appraiser, consistent with underwriting guidelines, variances, tolerances, and exception authorities established by Client. Additionally, Canopy determined that the appraised value appeared to be reasonably supported ("Value-Supported Analysis"), based on the valuation provided by the Independent Third-party Review.

· With respect to Title XI of FIRREA, Canopy checked for the presence of the appraiser's license,
and reviewed for the presence of any red flags related to the mortgaged property that may have posed a risk to the property or occupants.

· With respect to USPAP, Canopy confirmed the appraiser's certification is present and executed within
the original appraisal.

***Independent third-party values, CU SCORES and FHLMC REPS and WARRANTS***

Canopy applied a cascade methodology to determine if the original appraisal value was reasonably supported when compared to an independent third-party valuation product.

**Valuation Reconciliation Process:**

· If a Desk Review, or other acceptable review product, was provided supporting the origination appraised
value within a -10% variance and acceptable confidence score, no additional products were required.

· In the event a Desk Review yielded material exceptions or had a value exceeding a negative ten percent
(-10%) variance, a field review or second appraisal was ordered to further establish value.

**Agency Eligible Loans:**

· For FNMA loans, if a CU Score was available and the CU Score was greater than 2.5, Canopy ordered an AVM or Desk Review. If the CU Score was less than or equal to 2.5, no further review product was required based on market acceptance of Agency Eligible Loans.

· For FHLMC loans, if the FHLMC Rep & Warrant Relief indicator was Not Eligible, Canopy ordered an AVM or Desk Review. If the FHLMC Rep & Warrant Relief indicator was Eligible, no further review product was required based on market acceptance of Agency Eligible Loans.

**GRADING COMPONENTS**

**Due Diligence Grading Criteria**

Upon completion of the Loan File review, Canopy assigned comprehensive grading that considers critical factors based on the specific review completed, in addition to product, client, and rating agency requirements.

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Final Event Grade** | &nbsp;&nbsp;**Final Event Grade** |
| **A** | Loan meets Credit, Compliance, and Valuation Guidelines. |
| **B** | The loan substantially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and substantially meets published guidelines. |
| **C** | The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| **D** | Loan is missing documentation to perform a sufficient review. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| **A** | The loan meets the published guidelines without any exceptions. The employment, income, assets, and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| **B** | The loan substantially meets the published guidelines, but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| **C** | The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| **D** | There was not sufficient documentation to perform a review, or the credit file was not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Compliance Event Grades** | &nbsp;&nbsp;**Compliance Event Grades** |
| **A** | The loan is in compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. |
| **B** | The loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Client review required. |
| **C** | The loan violates one material law or regulation. The material disclosures are absent, or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| **D** | There was not sufficient documentation to perform a review, or the required legal documents were not furnished. |

---

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---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grade** | &nbsp;&nbsp;**Valuation Event Grade** |
| **A** | The value is supported within 10% of the original appraisal by supporting documents (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| **B** | The value is not supported within 10% of the original appraisal by supporting documents and there are no other valuation support documents provided. The valuation methodology substantially meets the published guidelines, but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| **C** | The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition, or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms |
| **D** | The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

**FINDINGS SUMMARY**

**Summary Overview**

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections. 100.00% (4 loans) have an overall grade of "A" and 0.00% (0 loans) have an overall grade of "B".

Canopy's review concluded a Credit grade of "A" for 100.00%, (4 loans) of mortgage loans reviewed, and 0.00% (0 loans) has a Credit grade of "B".

Canopy's review concluded a Compliance grade of "A" for 100.00%, (4 loans) of mortgage loans reviewed, and 0.00% (0 loans) has a Compliance grade of "B".

Canopy's review concluded a Property/Valuation grade of "A" for 100.00%, (4 loans) of mortgage loans reviewed, and 0.00% (0 loans) has a Property/Valuation grade of "B".

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

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**FINDINGS TABLE**

**REVIEW TABLES**

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** |

---

**Additional Loan Summary Details**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1233400.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1233400.00** |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

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---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1233400.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1233400.00** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—<br> Proceeds used to pay off existing loans <br> other than loans secured by real estate | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;$378000.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;3 | &nbsp;&nbsp;75.00% | &nbsp;&nbsp;$855400.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1233400.00** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;120 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1233400.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1233400.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1233400.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1233400.00** |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex99-8_001.jpg)

**DATA COMPARISON RESULTS**

Of the four (4) mortgage loan files reviewed, two (2) unique loans (50.00% by number) had three (3) tape comparison discrepancies across three (3) data fields.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with <br> Discrepancy** | &nbsp;&nbsp;**Total Times <br> Compared** | &nbsp;&nbsp;**%<br> Variance** |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;4 | &nbsp;&nbsp;25.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;4 | &nbsp;&nbsp;25.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43 , Do not Apply Tolerance If DTI >= 43 and AUS = No | &nbsp;&nbsp;1 | &nbsp;&nbsp;4 | &nbsp;&nbsp;25.00% |

---

**Disclaimer**

*Canopy Financial Technology Partners, LLC ("the Company") performs due diligence reviews for Residential Mortgage-Backed Securities, as well as, assets, collateral, counterparty operations, and similar diligence reviews in the consumer finance industry. In issuing reports and maintaining the ratings provided for herein, the Company relies on factual information it receives from issuers, underwriters, and from other sources which the Company reasonably believes to be credible. The Company conducts reasonable investigation of the factual information relied upon by it in accordance with its ratings methodology. The Company also makes reasonably good faith attempts to verify the information from independent sources (to the extent such sources are available).* 

*Ratings, analysis, reports, and other opinions (referred to collectively as "Reports") issued by the Company are provided "as is" and without representation or warranty of any kind. The Company hereby disclaims any representation or warranty (whether express or implied) as to accuracy, completeness, merchantability, or fitness for a particular purpose. Reports are not a recommendation to buy, sell, or retain any security. All reports are deemed jointly prepared and no individual shall be exclusively deemed the "author" of any Report. Individuals identified in a Report were involved in, but are not solely responsible for, the contents of any Report.* 

*Unless expressly stated otherwise, Reports do not assess any risk other than credit risk. In particular, any rating or grading in a Report does not take into consideration the risk of any security (or any portion thereof) due to changes in market conditions.* 

*The Company does not provide investment, legal, or tax advice, and the Reports may not be construed as such. Reports are issued for the benefit of the entity requesting the Report, only, and may not be used by third parties without the express written consent of the Company and the requesting party. Reports are based on available information and current regulations as of the date of the Report, and the Company disclaims any obligation to update Reports due to a change of fact of regulation which occurs after the date of issuance. Neither supplemental factual investigation nor enhanced reviews can guarantee that all information provided to the Company will be accurate. Reports are, and must be construed solely as, statements of opinion and not as statements of fact as to credit worthiness, investment, financial, or other recommendation to purchase, sell, or hold any security.* 

*Reports may contain assumptions and/or predictions regarding future events which are "forward-looking" and inherently cannot be verified as facts. Consequently, Reports may be affected by future events or conditions which were not anticipated at the time the Report was made. Such forward-looking statements necessarily involve risks and uncertainties which may result in future performance that is materially different from the Report's assumptions and/or conclusions. As such, Reports are not a guaranty of future performance nor a prospectus related to the underlying securities (if any), and under reliance should not be placed upon the Reports in the purchase, sale, or holding of any security.* 

 

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

## Exhibit 99.8

**Exhibit 99.8 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
|  | 2000102059 |  |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 74.94 | 74.94 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-21-2024 Eligible | 1.9 | 08-21-2024 |
|  | 1000102941 |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | 60.0 | 60.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | 1000102999 |  |  | XX/XX/XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | 1000102751 |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | 60.0 | 60.0 | XXXX | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
|  | 2000102059 |  | C A | Closed | XXXX | 2024-09-22 14:50 | 2024-11-27 14:04 | Resolved | 1 - Information C A | Property | Property Issue | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Resolved-Client provided the necessary docs showing damage present as indicated by inspection, claim for damages, and payouts from the insurance company for work being done. - Due Diligence Vendor-11/27/2024 <br> Ready for Review-Document Uploaded. - Seller-11/27/2024 <br> Counter-Please provide verification of inspector's license and credentials to verify this is a 3rd party inspection. - Due Diligence Vendor-09/26/2024 <br> Ready for Review-Document Uploaded. - Seller-09/24/2024 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection report showing no damage. Post Disaster Inspection required to verify no change in appraisal valuation. - Due Diligence Vendor-09/22/2024 | Ready for Review-Document Uploaded. - Seller-11/27/2024 <br>Ready for Review-Document Uploaded. - Seller-09/24/2024<br>| Resolved-Client provided the necessary docs showing damage present as indicated by inspection, claim for damages, and payouts from the insurance company for work being done. - Due Diligence Vendor-11/27/2024<br>|  |  | XXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX FL | Investment | Purchase | NA | N/A | N/A | XXXX |
|  | 1000102941 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX NJ | Investment | Purchase | NA |  |  |  |
|  | 1000102999 |  | C A | Closed | XXXX | 2025-06-05 12:26 | 2025-06-09 09:51 | Resolved | 1 - Information C A | Credit | Eligibility | Number of Mortgaged Properties and/or aggregate loan balance with lender exceeds max allowable. | Resolved-LOE provided total number of NQM loans are 5 - Due Diligence Vendor-06/09/2025 <br> Ready for Review-Document Uploaded. - Seller-06/05/2025 <br> Open-Please leave a comment verifying the Number of Mortgaged Properties is XXXX. NQM limit is 10 files. Borrower appears to have XXXX loans with XXXX and to NQM. Unable to determine if all went to NQM - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025<br>| Resolved-LOE provided total number of NQM loans are 5 - Due Diligence Vendor-06/09/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.33 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.94 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | XXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX NJ | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
|  | 1000102999 |  | C A | Closed | XXXX | 2025-06-03 02:03 | 2025-06-09 09:50 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/09/2025 <br> Ready for Review-Document Uploaded. - Seller-06/05/2025 <br> Open-1008/Underwriting Summary Not Provided Missing DSCR calculator and BLAAA - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/09/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.33 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.94 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | XXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX NJ | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
|  | 1000102751 |  | C A | Closed | XXXX | 2025-06-16 08:58 | 2025-06-17 13:47 | Resolved | 1 - Information C A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. - Seller-06/16/2025 <br> Open-Total Liquid Assets Available for Close of $XXXX is less than Total Cash to Close $XXXX. Assets are short to closed by $XXXX - Due Diligence Vendor-06/16/2025 | Ready for Review-Document Uploaded. - Seller-06/16/2025<br>| Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-06/17/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | XXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXXX NJ | Investment | Purchase | NA | N/A | N/A | XXXX |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
|  | 2000102059 |  |  | XXXX | XX | 1YR Business P&L | Present | No |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 9 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
|  | 1000102941 |  |  | XXXX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1900 | Appraisal - 1007 |  | N/A |  |  | 1900 | Appraisal - 1007 | No | 79.83 | 1.252 | 1.253 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 1900 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 44.93 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
|  | 1000102999 |  |  | XXXX | XX | Debt Service Coverage Ratio | Present | No | 0 | 3400 | Appraisal - 1007 |  | N/A |  |  | 3400 | Appraisal - 1007 | No | 99.31 | 1.007 | 1.007 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 3400 |  |  |  |  |  |  | No | No | 1.1 | 16 | 1 | N/A | 19.94 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
|  | 1000102751 |  |  | XXXX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1900 | Appraisal - 1007 |  | N/A |  |  | 1900 | Appraisal - 1007 | No | 75.32 | 1.328 | 1.339 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 1900 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 153.65 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **ASF Loan Number** | **Loan ID** | **Investor Loan ID** | **Seller Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
|  | 2000102059 |  |  | XX-XX-XXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 6959.28 | N/A | Employed |  | No |  | Yes | Present |
|  | 1000102941 |  |  | XX-XX-XXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
|  | 1000102999 |  |  | XX-XX-XXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
|  | 1000102751 |  |  | XX-XX-XXXX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 5**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
|  | 1000102941 |  |  | Interest Rate | 7.499 | 0.0750 |  |
|  | 1000102941 |  |  | Primary Appraised Property Value | XXXX | XXXX |  |
|  | 2000102059 |  |  | Qualifying Total Debt Income Ratio | 47.64 | 22.63 |  |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 6**

---

| | | | | |
|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
|  | 2000102059 |  |  | XXXX A C |
|  | 1000102941 |  |  | XXXX A |
|  | 1000102999 |  |  | XXXX C A |
|  | 1000102751 |  |  | XXXX C A |

---

## Exhibit 99.9

**Exhibit 99.9**

Executive Summary

&nbsp;&nbsp;&nbsp;&nbsp;4. Description of the Due Diligence Services

&nbsp;&nbsp;&nbsp;&nbsp;1. Type of Assets Reviewed

Inglet Blair, LLC ("IB") performed certain due diligence review services (the "Review"), as defined herein. The loans reviewed were originated from September 2024 to October 2024 and were collateralized by residential real estate purchased by the mortgagors for the purpose of generating rental income (the "Loans"). The Loans were acquired by Rithm Capital (the "Client") from lenders and/or aggregators (the "Seller"), via bulk acquisition or reliance letter. The information provided below represents the approach and methodology used at the time of original acquisition by the Seller. Each of the loans was acquired by the Seller from various lenders a lender through a delegated correspondent channel.

&nbsp;&nbsp;&nbsp;&nbsp;2. Sample Size of Assets Reviewed

This report reflects 4 loans selected by the Client to include in NRMLT 2025-NQM6 (the "Securitization"). Client did not disclose to IB if additional loans are included in the Securitization. While the Client may have included additional loans in the Securitization, such loans were not subject to the Review referenced herein. IB reviewed 100% of the Loans provided by the Client and can only assume the sample size was 100%.

&nbsp;&nbsp;&nbsp;&nbsp;3. Sample Size Determination

The Client, in its sole discretion, determined the loans to be reviewed by IB. As noted in Section 2 above, Client provided IB with 4 loans, all of which were reviewed by IB. Therefore, IB used no sampling methodology in its Review.

&nbsp;&nbsp;&nbsp;&nbsp;4. Information and Data Integrity

IB was provided certain data elements (the "Tape Data"), which were supplied by the Seller. The Seller aggregated the Tape Data from the various lenders. Each lender did not supply Seller with uniform Tape Data; thus, individual Loan Tape Data may not have included all data elements as detailed below in this Section 4. IB subsequently mapped and compared the Tape Data to information contained in each Loan file. When the data was provided, IB compared the following fields:

---

| | |
|:---|:---|
| **Field Name** | **Field Name** |
| Amortization Type | Total Debt to Income Ratio |
| Amortized Original Term | First Payment Date |
| Appraised Value | Interest Only Flag |
| ARM Initial Adjustment Period | Lien Position |
| ARM Initial Rate Cap | Loan Purpose |
| ARM Lookback Period | Loan Term |
| ARM Margin | Loan Type |
| ARM Maximum Interest Rate | LTV |
| ARM Minimum Interest Rate | Note Date |
| ARM Payment Change Frequency | Occupancy |
| ARM Periodic Rate Cap | Original Interest Rate |

---

Inglet Blair, LLC Deal Summary

NRMLT 2025-NQM6

pg. 1

---

| | |
|:---|:---|
| ARM Periodic Rate Cap at first Adjustment Down | Original Principal and Interest |
| ARM Periodic Rate Cap at first Adjustment Up | Original Principal Balance |
| ARM Rate Cap at first Adjustment Down | Property Type |
| ARM Rate Cap at first Adjustment Up | Representative Credit Score |
| ARM Rate Change Frequency | Residual Income |
| ATR/QM Designation | Sales Price |
| Borrower First Name | Subject Address |
| Borrower Last Name | Subject City |
| CLTV | Subject State |
| Doc Type | Subject Zip Code |

---

&nbsp;&nbsp;&nbsp;&nbsp;5. Underwriting, Origination Practices and Conformity to Guidelines and/or Criteria

Each Loan was reviewed to the applicable guideline, matrix and/or finding report, produced by an Automated Underwriting System ("AUS"), as provided to IB. Depending on the applicable guideline requirements, IB verified, recalculated and compared certain metrics and attributes:

- Debt to Income ("DTI")

- Debt Service Coverage Ratio ("DSCR")

- Loan to Value ("LTV") / Combined Loan to Value ("CLTV")

- Lien Position

- Gross Income

- Qualifying Principal, Interest, Taxes and Insurance ("PITI") payment

- Assets and Reserves

- Monthly debt service

- Residual Income

- Occupancy

- Property Type

To the extent prescribed by the applicable guidelines, every Loan received an evaluation of the applicable borrower's employment, income, assets and credit history as follows:

Employment and Income:

- Meets the guidelines and, as applicable, regulatory documentation requirements

- Creditor income calculations are reasonable and as prescribed by the applicable guidelines

- Ensure borrower(s) is/are currently employed

Assets

- Confirm asset source and documentation requirements

- Re-calculate gross, net and liquid asset balances

- Incorporate gift funds and sourcing documentation

- Confirm and calculate reserve calculations

Credit Report

- Determine representative Credit Score and Methodology

- Number of tradelines

Maximum amount of open tradelines

- Mortgage/Rental payment history

- Installment and Revolving payment history

- Bankruptcy and Foreclosure seasoning

- OFAC Alert(s)

Inglet Blair, LLC Deal Summary

NRMLT 2025-NQM6

pg. 2

Credit Application (FNMA Form 1003)

- Substantially complete

- Employer and employment status

- Confirmation of loan purpose and occupancy

- Disposition and status of Real Estate Owned (REO)

- First time home buyer status

- Citizenship and eligibility

Title Review - For each Loan the title commitment or, if present, final title policy was reviewed to confirm:

- Vestee(s)

- Title interest – Fee Simple or Leasehold

- Tax liens, encumbrances, encroachments and/or other title defects were satisfied or addressed

Fraud Report – IB reviewed each Loan file for the presence of a fraud report with all material findings addressed surrounding borrower name variances, social security number discrepancies, subject-property occupancy or employment history.

Hazard and Flood Insurance – Each Loan was reviewed to ensure that (i) each hazard policy limit met the applicable guideline requirement (ii) the property address was correct (iii) the premium was accurately reflected in the DTI calculation and (iv) escrowed where required.

Similarly, where the flood certificate indicates the property improvements were located in a flood zone, IB confirmed the coverage met the guideline requirements and, where applicable, the premium escrowed.

Closing/Legal Documents – All Loans received a review of the closing documentation. This includes the note, mortgage (and applicable riders), assignments, mortgage insurance certificates, underwriter approvals, and HUD-1 or Closing Disclosure, as applicable, are executed by all applicable parties and generally convey the terms of the Loan.

The information and findings provided herein were based on the information provided in the loan file images presented at the time of review.

&nbsp;&nbsp;&nbsp;&nbsp;6. Collateral Review and Methodology

To establish reasonable support for the original appraised value, each qualifying appraisal was accompanied by one of the following: (i) an existing desk review report provided by the originator (or issuer), (ii) a second full appraisal (typically required by the guidelines) (iii) a FNMA Collateral Underwriter ("CU") analysis with a score of 2.5 or less. In the event a loan did not contain any of the supplemental documentation, IB ordered an AVM, desk review or field review to fulfill the requirement. If any of the supplemental material(s) had an estimate of value that was lower than the original appraised value by 10% (or more), a field review (or suitable alternative) was obtained.

Each Loan was analyzed to confirm it was sufficiently collateralized by real property, and each appraisal was audited to address the following FIRREA/USPAP rules and standards:

&nbsp;&nbsp;&nbsp;&nbsp;a. Was the appraisal prepared for a financial services institution?

&nbsp;&nbsp;&nbsp;&nbsp;b. Does the appraisal state the definition of Market Value?

&nbsp;&nbsp;&nbsp;&nbsp;c. Does the appraisal indicate the appraiser's license or certification, number and expiration date?

&nbsp;&nbsp;&nbsp;&nbsp;d. Does the appraisal disclose any extraordinary assumptions, hypothetical
conditions? Does the appraisal include a statement of assumptions and limiting conditions?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If yes, do the items appear to be reasonable?

&nbsp;&nbsp;&nbsp;&nbsp;e. Is a minimum 3-year subject sale history included?

&nbsp;&nbsp;&nbsp;&nbsp;f. Does the report state the effective date of the appraisal?

&nbsp;&nbsp;&nbsp;&nbsp;g. Does the appraisal summarize the process used to collect, confirm, and report data?

Inglet Blair, LLC Deal Summary

NRMLT 2025-NQM6

pg. 3

&nbsp;&nbsp;&nbsp;&nbsp;

&nbsp;&nbsp;&nbsp;&nbsp;h. Does the appraisal state the subject's highest and best use?

&nbsp;&nbsp;&nbsp;&nbsp;i. Does the appraisal clearly identify the real estate being appraised?

&nbsp;&nbsp;&nbsp;&nbsp;j. Does the appraisal state the real property interest being appraised?

&nbsp;&nbsp;&nbsp;&nbsp;k. Does the report contain sufficient information?

&nbsp;&nbsp;&nbsp;&nbsp;l. Was the appraisal reported on a FNMA appraisal form?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If yes, was the form materially complete?

&nbsp;&nbsp;&nbsp;&nbsp;m. Which of the industry recognized methods of valuation were included that
may have been utilized to support the institution's decision to engage in the transaction?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Direct Sales Comparison Approach, Cost Approach, or Income Approach?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If any of these approaches have been omitted or excluded, is there sufficient
explanation provided as to why?

&nbsp;&nbsp;&nbsp;&nbsp;7. Regulatory Compliance Review to Federal, State and Local Lending Laws

All Loans deemed to be consumer purpose loans were submitted to an automated regulatory compliance review. The system tested each applicable Loan for adherence to certain federal, state and local consumer protection laws related to mortgage lending.

All applicable tests and disclosure reviews were graded in accordance with the SFA RMBS 4.0 TRID Compliance Review Scope standard as described below.

- Federal Truth in Lending Act– Regulation Z

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Consumer Handbook on Adjustable Rate Mortgages (1026.19(b)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm acknowledgement of receipt by the borrower or documentary evidence
disclosure was delivered to the borrower(s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Your Home Loan Toolkit (1026.19(g)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm acknowledgement of receipt by the borrower or documentary evidence
disclosure was delivered to the borrower(s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Provided within 3 business days of application

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Federal High-cost (1026.32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Identify points and fees and/or APR threshold test failures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Prepayment Penalty restrictions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Higher-priced Mortgage Loans (1026.35)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· APR Threshold with the corresponding appraisal and escrow requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Right of Rescission (1026.23)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review accuracy, timing and content of disclosure(s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm all requisite consumers received notice and correct form

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Qualified Mortgage Rule (1026.43(e))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Perform points and fees test to confirm 3% threshold

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Adherence to Appendix Q and DTI below 43% or Temp QM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Application Dates of 1/10/2014 to 2/28/2021

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Adherence to Appendix Q and DTI below 43% and/or Temp QM and/or APR/APOR
threshold testing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Application Dates of 3/1/2021 to 6/30/2021

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Adherence to Appendix Q and DTI below 43% and/or APR/APOR threshold testing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Application Dates of 7/1/2021 to 9/30/2022

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· APR/APOR threshold testing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Application Dates on or after 10/1/2022\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Subject to any guidance updates from regulators

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan does not contain "risky feature" (IO, Negative Amortization, etc.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Contain a valid and approved AUS, as applicable

Inglet Blair, LLC Deal Summary

NRMLT 2025-NQM6

pg. 4

&nbsp;&nbsp;&nbsp;&nbsp;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Ability-to-Repay ("ATR") (1026.43(c)(2)
– IB reviewed each Loan for the applicable mortgagor's ability to repay; however, there is no representation or warranty,
implied or otherwise, that a court (or other administrative/legislative authority) will agree with the determination. IB objectively confirmed
the following eight (8)-factors had been considered and, where applicable, documented:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (i) The consumer' s
current or reasonably expected income or assets, other than the value of the dwelling, including any real property attached to the dwelling, that secures the loan;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (ii) If the creditor relies on income from the consumer' s
employment in determining repayment ability, the consumer' s
current employment status;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (iii) The consumer' s
monthly payment on the covered transaction, calculated in accordance with paragraph
(c)(5) of this section;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (iv) The consumer' s
monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made, calculated in accordance with paragraph
(c)(6) of this section;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (v) The consumer' s
monthly payment for mortgage-related obligations;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (vi) The consumer' s
current debt obligations,
alimony, and child support;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (vii) The consumer's monthly debt-to-income
ratio or residual income in accordance with paragraph (c)(7) of this section; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (viii) The consumer' s
credit history.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TRID (1026.36, 37)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Loan Estimate ("LE")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Initial LE was provided within three (3) business days of application
as provided by the broker or creditor and loan does not consummate within seven (7) business days of receipt

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Provided within three (3) business days of a valid Change of Circumstance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Complete in all material respects

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Contains NMLS ID

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm the "In 5 Years" calculation is not over disclosed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final Closing Disclosure ("CD")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm creditor provided CD no later than three
(3) business days of consummation and confirm all relevant fields are complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Ensure technical requirements are met – Rounding,
Alphabetization, Number of Fees per category and title fees properly labeled

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Recalculation of the Finance Charge, Amount Financed,
Total of Payments ("TOP"), and Total Interest Payments ("TIP")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Projected Payments - Re-calculation of Principal
and Interest payment(s), verified escrow and insurance payments, interest only periods and final balloon payments are present and displayed
in the correct number of columns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Adjustable Interest Rate and Adjustable Payment Tables are present, complete
and accurate, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· No fee charged for preparation of LE or CD

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Fee descriptions conform with clear and conspicuous standard

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan terms match that of the subject loan – balance, rate, term, prepayment penalty

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Disclosures section is complete
– Late Payment matches the note and the escrow section is consistent within the disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Fee and Tolerance Testing - Zero and ten percent (10.0%) tolerance testing,
including the presence, timing and a validation of a change of circumstance and corresponding fee changes

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Evidence Service Provider List and Your Home Loan Toolkit, if applicable,
were provided or present in the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o LE and CD form(s) provided to the borrower are consistent across the loan process

Inglet Blair, LLC Deal Summary

NRMLT 2025-NQM6

pg. 5

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o NMLS ID is present on the loan application, note, security instrument,
LE and CD, as applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Items not tested, include but are not limited to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Categorization of fees in the appropriate section

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of information for fields not expressly stated above

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Presence and accuracy of the Seller's Transaction columns on the Seller's columns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o State High-cost and Predatory lending regulations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o RESPA disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm GFE and HUD-1

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Special Information Booklet

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Notice of Servicing Transfer

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated Business Arrangement Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Homeownership Counseling Disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Equal Credit Opportunity Act

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Presence, acknowledgement and timing of the Right to Receive Copy of Appraisal
Disclosure

Structured Finance Association ("SFA") organized and led an initiative to establish a framework for Third-Party Reviewer's ("TPR") to evaluate and grade loans subject to the Know Before You Owe Act, also commonly referred to as TILA-RESPA Integrated Disclosure ("TRID"). While all grades and conclusions are established in good faith, the grading scheme materiality and impact for certain exceptions may change from time to time, and thus, all reports contain Interpretation Risk. Under no circumstance should the Client, any potential investors or other individual party solely rely on the interpretations made by IB, SFA, or its outside counsel.

Please be advised that IB is not a law firm, does not employ personnel who are licensed to practice law and the exceptions, observations and conclusions provided by IB are not legal opinions. IB relies upon the advice of outside counsel, informal advice of regulators and industry practice to determine materiality.

---

| | | |
|:---|:---|:---|
| **TRID Tested** | **No. of Loans** | **% of Population** |
| Yes | 4 | 100.00% |
| **Total** | **4** | **100%** |

---

&nbsp;&nbsp;&nbsp;&nbsp;8. Any Other Type of Review

There was no other review performed.

Inglet Blair, LLC Deal Summary

NRMLT 2025-NQM6

pg. 6

&nbsp;&nbsp;&nbsp;&nbsp;

&nbsp;&nbsp;&nbsp;&nbsp;5. Summary of Finding and Conclusions of Review

The following tables represent the final NRSRO overall and component grades. The Overall grade is comprised of the lowest of the component grades.

---

| | | |
|:---|:---|:---|
| **NRSRO Final Grade** | **No. of Loans** | **% of Population** |
| A | 1 | 25.00% |
| B | 3 | 75.00% |
| **Total** | **4** | **100%** |
| **NRSRO Final Credit Grade** | **No. of Loans** | **% of Population** |
| A | 2 | 50.00% |
| B | 2 | 50.00% |
| **Total** | **4** | **100%** |
| **NRSRO Final Compliance Grade** | **No. of Loans** | **% of Population** |
| A | 2 | 50.00% |
| B | 2 | 50.00% |
| **Total** | **4** | **100%** |
| **NRSRO Final Property Grade** | **No. of Loans** | **% of Population** |
| A | 4 | 100.00% |
| **Total** | **4** | **100%** |

---

The following tables represent certain key attributes of the Loans and their frequency amongst the loan population.

---

| | | |
|:---|:---|:---|
| **Amortization Type** | **No. of Loans** | **% of Population** |
| Fixed Rate | 4 | 100.00% |
| **Total** | **4** | **100%** |
| **Lien Position** | **No. of Loans** | **% of Population** |
| 1st | 4 | 100.00% |
| **Total** | **4** | **100%** |

---

Inglet Blair, LLC Deal Summary

NRMLT 2025-NQM6

pg. 7

---

| | | |
|:---|:---|:---|
| **Purpose** | **No. of Loans** | **% of Population** |
| First Time Home Purchase, as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years.) | 1 | 25.00% |
| Other-than-first-time Home Purchase | 3 | 75.00% |
| **Total** | **4** | **100%** |

---

---

| | | |
|:---|:---|:---|
| **Property Type** | **No. of Loans** | **% of Population** |
| Single Family Detached (non-PUD) | 2 | 50.00% |
| Condo, Low Rise (4 or fewer stories) | 1 | 25.00% |
| PUD (Only for use with Single-Family <br> Detached Homes with PUD riders) | 1 | 25.00% |
| **Total** | **4** | **100%** |
| **LTV** | **No. of Loans** | **% of Population** |
| **00.01- 10.00** | **0** | 0.00% |
| **10.01- 20.00** | **0** | 0.00% |
| **20.01- 30.00** | **0** | 0.00% |
| **30.01- 40.00** | **0** | 0.00% |
| **40.01- 50.00** | **0** | 0.00% |
| **50.01- 60.00** | **0** | 0.00% |
| **60.01- 70.00** | **1** | 25.00% |
| **70.01- 80.00** | **3** | 75.00% |
| **80.01- 90.00** | **0** | 0.00% |
| **90.01- 100.00** | **0** | 0.00% |
| **Total** | **4** | **100%** |

---

Inglet Blair, LLC Deal Summary

NRMLT 2025-NQM6

pg. 8

---

| | | |
|:---|:---|:---|
| **CLTV** | **No. of Loans** | **% of Population** |
| **00.01- 10.00** | **0** | 0.00% |
| **10.01- 20.00** | **0** | 0.00% |
| **20.01- 30.00** | **0** | 0.00% |
| **30.01- 40.00** | **0** | 0.00% |
| **40.01- 50.00** | **0** | 0.00% |
| **50.01- 60.00** | **0** | 0.00% |
| **60.01- 70.00** | **1** | 25.00% |
| **70.01- 80.00** | **3** | 75.00% |
| **80.01- 90.00** | **0** | 0.00% |
| **90.01- 100.00** | **0** | 0.00% |
| **Total** | **4** | **100%** |

---

Inglet Blair, LLC Deal Summary

NRMLT 2025-NQM6

pg. 9

## Exhibit 99.9

**Exhibit 99.9 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  |  |  |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** |  |  |  |
|  | **Seller Loan ID** | **Purchaser Loan ID** | **Origination Date** | **Original Loan Amount** | **Value used for LTV calculation** | **Sales Price** | **Appraisal Waiver Form** | **Property Inspection Waiver** | **Appraisal Value(s)** | **Appraisal Value(s)** | **BPO Values** | **AVM Values** | **Desk Review Values** | **Field Review Values** | **2055 Values** | **BPO Values** | **AVM Values** | **Desk Review Values** | **Field Review Values** | **2055 Values** | **Valuation Comments** | **Collateral Underwriter Risk Score** | **Loan Collateral Advisor Risk Score** |
| **Seller Loan ID** | **Purchaser Loan ID** | **Origination Date** | **Original Loan Amount** | **Value used for LTV calculation** | **Sales Price** | **Appraisal Waiver Form** | **Property Inspection Waiver** | **Valuation Comments** | **Collateral Underwriter Risk Score** | **Loan Collateral Advisor Risk Score** |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

---

| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Appraised Value** | **Second Appraisal Value** | **Second Appraisal Type** | **Second Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Confidence Score of AVM** | **AVM Product Name** | **Company** | **Appraisal Date** | **Value** | **Variance(%)** |  |  |
|  | 12024080041 | XX/XX/XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  | Appraised value is substantially higher than the purchase price. Property was listed on the MLS for 4 days at $XXXX. There is no indication in the file of non-arms. | 1 |
|  | 12024070090 | XX/XX/XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XX/XX/XXXX | XXXX | URAR Form 1004 | XX/XX/XXXX |  |  | XXXX | XXXX | 7.95% | XX/XX/XXXX | 1st appraisal has a cost to cure of $XXX for the installation of the stove and refrigerator (kitchen photo). 2nd appraisal reflects the stove installed and indicates both in appliances section. 2nd appraisal reflects the subject has an unpermitted ADU and this is "relatively common" for the area, includes comp #2 with ADU. Appraisal 2 made subject to installation of smoke/CO detectors as well as exposed wiring. 1004d confirms these have been remedied.<br>| 1 |
|  | 12024090064 | XX/XX/XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  | 1 |

---

## Exhibit 99.9

**Exhibit 99.9 Schedule 2**

---

| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan ID (Purchasing Lender)** | **Loan Number (Selling Lender)** | **Loan Status** | **Final Overall Event Level** | **Final Credit Event Level** | **Final Compliance Event Level** | **Final Property Event Level** | **Credit Exceptions** | **Compliance Exceptions** | **Property Exceptions** | **Compensating Factors** | **Immaterial/Waived** | **Lender Commentary** | **Cleared Exceptions** | **Exceptions** |
|  | 500056327 |  | Sold | 2 | 2 | 2 | 1 |  |  |  | Verified reserves - 6 months reserves or $18,896.22 required, 84.27 months reserves or $XXXX documented.; Low DTI - DTI 27.56%, up to 50% acceptable.; Low LTV/CLTV/HCLTV - LTV 63.01%, up to 80% acceptable.; | TRID 0189 Missing "Paid To" designee on Closing Disclosure (12 CFR 1026.38(f)(1-5)) - Missing the payee for the appraisal on the final CD dated 09/xx/24. - EV2 Post-Closing Corrective Action -- 11/21/24 LOE and PC CD dated 11/xx/24 received.<br>CRED 0007 Missing Employment doc (VOE) - Missing business narrative as required per the guideline. - Lender Acknowledged Exception-- LOE accepted in lieu of Narrative form.<br>CRED 0009 Unacceptable Credit History - The borrower does not meet the standard tradeline requirement. There are no tradelines on the credit report that have been active in the past 90 days and have at least 12 months reviewed. No variance noted on the 1008. - Lender Acknowledged Exception |  | FRAUD 0001 Fraud report alerts have not been addressed - Missing documentation used to clear the LO EPLS hit on the fraud report (p50) - 11/21/24 Updated fraud report received.<br>TITL 0014 Title Policy - Schedule B Exception - Missing final title policy to confirm there is no survey exception, as noted on the title commitment. No copy of the survey located in file. - 11/26/2024 Final title policy with no survey exceptions recd<br>COMP 0010 Missing Affiliated Business Disclosure - Affiliated Business Disclosure not in the file, FACTS states the lender does not share with their affiliates, indicating affiliates exist. - 11/21/22 Lender provided name of affiliate. Final CD verifies that the affiliate was not utilized on the subject transaction.<br>|  |
|  | 500056328 |  | Sold | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - 6 months reserves or $13,136.64 required, 19.58 months reserves or $XXXX documented.; Verified credit history - FICO 759, minimum required 660.; Verified housing payment history - 12 months housing history required, mortgage on departure reviewed for 50 months with no reported default.; |  |  | TITL 0014 Title Policy - Schedule B Exception - Missing final title to reflect the Notice of Commencement with mechanics lien (#8) and survey exception (#2) do not appear as an exception to the loan policy. Note, a survey was paid for at closing (p340) but it is not in the file. - 11/21/24 Clear final title policy received.<br>COMP 0010 Missing Affiliated Business Disclosure - Affiliated Business Disclosure not in file, per FACTS the lender does not share with affiliates, indicating there are affiliates. - 11/21/22 Lender provided name of affiliate. Final CD verifies that the affiliate was not utilized on the subject transaction.<br>PROP 0003 Missing Required Property Inspection - Subject loan closed XXXX and appraisal effective date XXXX. Subject property is in the individual assistance disaster declaration area for Hurricane Milton on XXXX. Missing PDR confirming the property has not been affected. - 11/21/24 PCI dated XXXX received reflecting no damage.<br>|  |
|  | 500056330 |  | Sold | 2 | 2 | 1 | 1 |  |  |  | Disposable Income - Residual income $8,609.63, $1,750 required.; | CRED 0009 Unacceptable Credit History - Lender Acknowledged Exception |  | COMP 0010 Missing Affiliated Business Disclosure - Affiliated Business Disclosure not in the file, FACTS states the lender does not share with their affiliates, indicating affiliates exist. - 11/21/22 Lender provided name of affiliate. Final CD verifies that the affiliate was not utilized on the subject transaction.<br>|  |
|  | 500056325 |  | Sold | 2 | 1 | 2 | 1 |  |  |  | Verified reserves - 6 months reserves or $22,120.50 required, 227.25 months or $XXXX verified.; Low DTI - DTI 21.96%, up to 50% acceptable.; | APPR 0044 HPML Appraisal Requirements are Not Met - Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>- EV2 Non-Material. |  | COND 0011 Non-Warrantable Condominium - 1. Project is not 100% complete<br>2. Condo association is in active litigation as the plaintiff against what appears to be the developer, related to completion/resolution of drainage issues. <br>3. Reserve allocation is less than 10%. Reserves study recommended contribution in 2024 $XXXX, budget reflects $XXXX - 12/02/24 Project remains non-warrantable per FNMA standards however, guidelines allow for non-warrantable condo up to 80% LTV. Subject LTV/CLTV is 75%.<br>|  |

---

## Exhibit 99.9

**Exhibit 99.9 Schedule 3**

---

| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan ID (Purchasing Lender)** | **Loan Number (Selling Lender)** | **Exception ID** | **Exception ID Date** | **Condition Category** | **Condition Standardized Description** | **Condition ID** | **Exception Level** | **Status** | **Condition Custom Description** | **Cleared Date** | **Compensating Factors** | **Lender Response** | **Comments** | **Loan Status** |
| XX | 500056327 | XX | 1085897 | 10/23/2024 | Credit | Missing Employment doc (VOE) | CRED 0007 | 2 | Acknowledged | Missing business narrative as required per the guideline. |  | Verified reserves - 6 months reserves or $18,896.22 required, 84.27 months reserves or $265,387.04 documented.; Low DTI - DTI 27.56%, up to 50% acceptable.; Low LTV/CLTV/HCLTV - LTV 63.01%, up to 80% acceptable.; | 11/21/28 Updated 1008 received reflecting lender acknowledged variance. | Client: Lender Acknowledged Exception-- LOE accepted in lieu of Narrative form. | Sold C B |
| XX | 500056327 | XX | 1085898 | 10/23/2024 | Credit | Title Policy - Schedule B Exception | TITL 0014 | 1 | Closed | Missing final title policy to confirm there is no survey exception, as noted on the title commitment. No copy of the survey located in file. | 11/27/2024 | Verified reserves - 6 months reserves or $18,896.22 required, 84.27 months reserves or $265,387.04 documented.; Low DTI - DTI 27.56%, up to 50% acceptable.; Low LTV/CLTV/HCLTV - LTV 63.01%, up to 80% acceptable.; | 11/21/24 Email from closing agent received reflecting that items # 6, 7and on schedule B-I will be satisfied at closing.<br>\*\* Finding remains, Survey exception is B-1 #13. Missing final title policy to confirm there is no survey exception. | 11/26/2024 Final title policy with no survey exceptions recd - 11/26/2024 Final title policy with no survey exceptions recd | Sold C A |
| XX | 500056327 | XX | 1085900 | 10/23/2024 | Compliance | Missing Affiliated Business Disclosure | COMP 0010 | 1 | Closed | Affiliated Business Disclosure not in the file, FACTS states the lender does not share with their affiliates, indicating affiliates exist. | 11/22/2024 | Verified reserves - 6 months reserves or $18,896.22 required, 84.27 months reserves or $265,387.04 documented.; Low DTI - DTI 27.56%, up to 50% acceptable.; Low LTV/CLTV/HCLTV - LTV 63.01%, up to 80% acceptable.; |  | 11/21/22 Lender provided name of affiliate. Final CD verifies that the affiliate was not utilized on the subject transaction. - 11/21/22 Lender provided name of affiliate. Final CD verifies that the affiliate was not utilized on the subject transaction. | Sold C A |
| XX | 500056327 | XX | 1085901 | 10/23/2024 | Compliance | Missing "Paid To" designee on Closing Disclosure (12 CFR 1026.38(f)(1-5)) | TRID 0189 | 2 | Acknowledged | Missing the payee for the appraisal on the final CD dated 09/xx/24. |  | Verified reserves - 6 months reserves or $18,896.22 required, 84.27 months reserves or $265,387.04 documented.; Low DTI - DTI 27.56%, up to 50% acceptable.; Low LTV/CLTV/HCLTV - LTV 63.01%, up to 80% acceptable.; | 11/21/24 LOE and PC CD dated 11/19/24 received.<br>| Client: EV2 Post-Closing Corrective Action -- 11/21/24 LOE and PC CD dated 11/19/24 received. | Sold C B |
| XX | 500056327 | XX | 1085906 | 10/23/2024 | Credit | Unacceptable Credit History | CRED 0009 | 2 | Acknowledged | The borrower does not meet the standard tradeline requirement. There are no tradelines on the credit report that have been active in the past 90 days and have at least 12 months reviewed. No variance noted on the 1008. |  | Verified reserves - 6 months reserves or $18,896.22 required, 84.27 months reserves or $265,387.04 documented.; Low DTI - DTI 27.56%, up to 50% acceptable.; Low LTV/CLTV/HCLTV - LTV 63.01%, up to 80% acceptable.; | 11/21/28 Updated 1008 received reflecting lender acknowledged variance. CLIENT TRADELINES ACCEPTED DUE TO OVERALL CREDIT HISTORY OF 10+ YEARS. PRIOR MORTGAGE PAID INEARLY 2024, OVERALL CREDIT PROFILE SUPPORTS SCORE AND IS DEEMED ACCETPABLE. | Client: Lender Acknowledged Exception | Sold C B |
| XX | 500056327 | XX | 1085907 | 10/23/2024 | Credit | Fraud report alerts have not been addressed | FRAUD 0001 | 1 | Closed | Missing documentation used to clear the LO EPLS hit on the fraud report (p50) | 11/22/2024 | Verified reserves - 6 months reserves or $18,896.22 required, 84.27 months reserves or $265,387.04 documented.; Low DTI - DTI 27.56%, up to 50% acceptable.; Low LTV/CLTV/HCLTV - LTV 63.01%, up to 80% acceptable.; |  | 11/21/24 Updated fraud report received. - 11/21/24 Updated fraud report received. | Sold C A |
| XX | 500056328 | XX | 1085918 | 10/24/2024 | Credit | Title Policy - Schedule B Exception | TITL 0014 | 1 | Closed | Missing final title to reflect the Notice of Commencement with mechanics lien (#8) and survey exception (#2) do not appear as an exception to the loan policy. Note, a survey was paid for at closing (p340) but it is not in the file. | 11/22/2024 | Verified reserves - 6 months reserves or $13,136.64 required, 19.58 months reserves or $42,864.45 documented.; Verified credit history - FICO 759, minimum required 660.; Verified housing payment history - 12 months housing history required, mortgage on departure reviewed for 50 months with no reported default.; |  | 11/21/24 Clear final title policy received. - 11/21/24 Clear final title policy received. | Sold C A |
| XX | 500056328 | XX | 1085921 | 10/24/2024 | Compliance | Missing Affiliated Business Disclosure | COMP 0010 | 1 | Closed | Affiliated Business Disclosure not in file, per FACTS the lender does not share with affiliates, indicating there are affiliates. | 11/22/2024 | Verified reserves - 6 months reserves or $13,136.64 required, 19.58 months reserves or $42,864.45 documented.; Verified credit history - FICO 759, minimum required 660.; Verified housing payment history - 12 months housing history required, mortgage on departure reviewed for 50 months with no reported default.; |  | 11/21/22 Lender provided name of affiliate. Final CD verifies that the affiliate was not utilized on the subject transaction. - 11/21/22 Lender provided name of affiliate. Final CD verifies that the affiliate was not utilized on the subject transaction. | Sold C A |
| XX | 500056328 | XX | 1085926 | 10/24/2024 | Property | Missing Required Property Inspection | PROP 0003 | 1 | Closed | Subject loan closed XXXX and appraisal effective date XXXX. Subject property is in the individual assistance disaster declaration area for Hurricane xx on XXXX. Missing PDR confirming the property has not been affected. | 11/22/2024 | Verified reserves - 6 months reserves or $13,136.64 required, 19.58 months reserves or $42,864.45 documented.; Verified credit history - FICO 759, minimum required 660.; Verified housing payment history - 12 months housing history required, mortgage on departure reviewed for 50 months with no reported default.; |  | 11/21/24 PCI dated XXXX received reflecting no damage. - 11/21/24 PCI dated XXXX received reflecting no damage. | Sold C A |
| XX | 500056330 | XX | 1086148 | 10/29/2024 | Compliance | Missing Affiliated Business Disclosure | COMP 0010 | 1 | Closed | Affiliated Business Disclosure not in the file, FACTS states the lender does not share with their affiliates, indicating affiliates exist. | 11/22/2024 | Disposable Income - Residual income $8,609.63, $1,750 required.; |  | 11/21/22 Lender provided name of affiliate. Final CD verifies that the affiliate was not utilized on the subject transaction. - 11/21/22 Lender provided name of affiliate. Final CD verifies that the affiliate was not utilized on the subject transaction. | Sold C A |
| XX | 500056330 | XX | 1086175 | 10/29/2024 | Credit | Unacceptable Credit History | CRED 0009 | 2 | Acknowledged |  |  | Disposable Income - Residual income $8,609.63, $1,750 required.; | 11/21/24 Revised 1008 reflecting UW acknowledged tradelines w/ comp factors. | Client: Lender Acknowledged Exception | Sold C B |
|  | 500056325 |  |  | 11/22/2024 | Compliance | HPML Appraisal Requirements are Not Met | APPR 0044 | 2 | Acknowledged | Appraiser did not include an executed certification stating the appraisal was prepared in accordance with Title XI of FIRREA and any implementing regulations.<br>|  | Verified reserves - 6 months reserves or $22,120.50 required, 227.25 months or $XXXX verified.; Low DTI - DTI 21.96%, up to 50% acceptable.; |  | Client: EV2 Non-Material. | Sold C B |
|  | 500056325 |  |  | 11/22/2024 | Property | Non-Warrantable Condominium | COND 0011 | 1 | Closed | 1. Project is not 100% complete<br>2. Condo association is in active litigation as the plaintiff against what appears to be the developer, related to completion/resolution of drainage issues. <br>3. Reserve allocation is less than 10%. Reserves study recommended contribution in 2024 $XXXX, budget reflects $XXXX | 12/03/2024 | Verified reserves - 6 months reserves or $22,120.50 required, 227.25 months or $XXXX verified.; Low DTI - DTI 21.96%, up to 50% acceptable.; | 12/02/24 Updated 1008 received. The following comments have been added: CONDO IS WARRANTABLE. CURRENT PHASE COMPLETE. HOA SUING DEVELOPER FOR DRAINAGE ISSUES ON UNDEVELOPED PORTIONS OF PROJECT. NO ISSUES RELATED TO SUBJECT UNIT. RESERVE STUDY 1/27/2021, IN THAT YEAR, SUPPORTS A POSSIBLE DEFICIT IN 2024. $XXXX RECOMMENDED IN RESERVES, BUT THIS CONSIDERS EXPENDITURES RELATED TO REPLACING SHINGLES, REPLACEMENTS OF CONCRETE DRIVEWAYS, SIDEWALKS, ETC. AND POOL REPAIRS AND UPGRADES. THESE ITEMS ARE APPROPRIATELY CONSIDERED IN THE LINE ITEMS OF THE ACTUAL 2024 BUDGET - WITH THE OVERAGE OF $XXXX ACCOUNTED FOR IN RESERVES. THE OPERATING RESERVE ACCOUNT PER 2024 BUDGET HAD A NET.<br>\*\* Project remains non-warrantable per FNMA standards however, guidelines allow for non-warrantable condo up to 80% LTV. Subject LTV/CLTV is 75%. | 12/02/24 Project remains non-warrantable per FNMA standards however, guidelines allow for non-warrantable condo up to 80% LTV. Subject LTV/CLTV is 75%. - 12/02/24 Project remains non-warrantable per FNMA standards however, guidelines allow for non-warrantable condo up to 80% LTV. Subject LTV/CLTV is 75%. | Sold C A |

---

## Exhibit 99.9

**Exhibit 99.9 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan ID (Purchasing Lender)** | **Loan Number (Selling Lender)** | **Final Overall Event Level** | **S&P QM/ATR Designation** | **Fitch QM/ATR Designation** | **Moody's QM/ATR Designation** | **Kroll QM/ATR Designation** | **DBRS QM/ATR Designation** | **Amortization Type** | **Initial Application Date** | **Originator DTI (ASF)** | **DTI** | **Points/Fees Total** | **Points/Fees Total without reductions resulting from 'bona fide discount points'** | **Rate Lock Date** | **Residual Income** | **GSE Eligible** | **Case ID / LP AUS Key** | **APR** | **Borrower Employment Status** | **Co-Borrower Employment Status** | **Borrower 3 Employment Status** | **Borrower 4 Employment Status** | **Borrower Residency Status** | **Co-Borrower Residency Status** | **Borrower 3 Residency Status** | **Borrower 4 Residency Status** | **Qualifying Interest Rate** | **APOR (if applicable)** |
|  | 500056327 |  | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XX/XX/XXXX | 27.5600 | 27.56% | 12692.17 | 12692.17 | XX/XX/XXXX | 8422.38 | No |  | 6.852% | Self-Employed |  |  |  | US Citizen |  |  |  | 6.4900% | 0.0632 |
|  | 500056328 |  | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XX/XX/XXXX | 24.9320 | 24.92% | 8819.31 | 8819.31 | XX/XX/XXXX | 14612.47 | No |  | 7.196% | Self-Employed |  |  |  | US Citizen |  |  |  | 6.8750% | 0.0635 |
|  | 500056330 |  | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XX/XX/XXXX | 37.9340 | 37.93% | 18568.74 | 18568.74 | XX/XX/XXXX | 8609.63 | No |  | 7.696% | Self-Employed |  |  |  | US Citizen |  |  |  | 7.3750% | 0.0635 |
|  | 500056325 |  | 2 B | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Fixed Rate | XX/XX/XXXX | 20.6820 | 21.96% | 10404.89 | 10404.89 | XX/XX/XXXX | 21198.39 | No |  | 7.424% | Self-Employed |  |  |  | US Citizen |  |  |  | 6.8750% | 0.0578 |

---

## Exhibit 99.9

**Exhibit 99.9 Schedule 5**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan Number (Selling Lender)** | **Loan Number (Purchasing Lender)** | **Data Field** | **Tape Data** | **IB Review Value** | **Discrepancy Comments** |
|  | 12024080041 |  | Loan Type | Conventional | Non-QM | Subject loan is non-QM per Approval and guidelines. |
|  | 12024080041 |  | Representative Credit Score | 783 | 777 | The borrower's credit scores are 711/777/801. Unable to determine the source of the tape value. |
|  | 12024080041 |  | U/W Doc Type | Full | 12 Month P&L | Per the 1008, the doc type is 12 month P&L. |
|  | 12024070090 |  | Loan Type | Conventional | Non-QM | Per the 1008 the loan is Non-QM. |
|  | 12024070090 |  | U/W Doc Type | Full | 12 Month P&L | Per the 1008 the doc type is 12 month P&L. |
|  | 12024090064 |  | Total Debt to Income Ratio | 20.68% | 21.96% | Non material variance. |
|  | 12024090064 |  | U/W Doc Type | 12 Month 1099 | Full/Alternate | Doc type is 1 year tax return which is considered Full/Alternative. |

---

## Exhibit 99.9

**Exhibit 99.9 Schedule 6**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan ID (Purchasing Lender)** | **Loan Number (Selling Lender)** | **Final Overall Event Level** | **State** | **Lien Position** | **Loan Purpose** | **QM Designation Type** |
|  | 500056327 |  | 2 C B A | FL | 1 | Purchase | Non-QM / Compliant |
|  | 500056328 |  | 1 C A | FL | 1 | Purchase | Non-QM / Compliant |
|  | 500056330 |  | 2 C B A | NY | 1 | Purchase | Non-QM / Compliant |
|  | 500056325 |  | 2 C B A | PA | 1 | Purchase | Non-QM / Compliant |

---

## Exhibit 99.10

**Exhibit 99.10**

![](ex99-10_001.jpg)

Executive Summary <br> NRMLT 2025-NQM6

&nbsp;&nbsp;&nbsp;&nbsp;(1) Type of Assets.

Covius Real Estate Services, LLC ("CRES") performed the due diligence services described below on behalf of SG Capital Partners LLC (the "Client"). The loans were originated by multiple Correspondent Sellers and acquired directly (or indirectly) by Rithm Capital Corp. through a Reliance Letter. The loan reviews were conducted from February 2025 through April 2025 by CRES.

&nbsp;&nbsp;&nbsp;&nbsp;(2) Number of Assets.

There were 4 assets in the loan population.

&nbsp;&nbsp;&nbsp;&nbsp;(3) Review Process.

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· U.S. RMBS Rating Criteria dated October 01, 2025 |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· US RMBS Rating Methodology, dated December 7, 2023 |

---

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

&nbsp;&nbsp;&nbsp;&nbsp;(4) Sample size of the assets reviewed.

The due diligence review was conducted on 100% of the loan population and consisted of 4 mortgage loans with an aggregate original principal balance of approximately $1,022,100. The mortgage loans originated from February 2025 through March 2025.

(5) Asset Review

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

Page 1 of 10

**Credit Review and Methodology**

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

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

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

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

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

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

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

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

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

Page 2 of 10

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

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

**Property Valuation Review and Methodology**

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

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

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

**Compliance Review Methodology**

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

Page 3 of 10

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

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

State and Federal High Cost and Higher Priced:

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

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

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

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

Qualified Mortgage (12 CFR § 1026.43)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Interest Only Loan test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Balloon Payment Loan test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(IV) Loan Term test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(V) Points and Fees test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(VI) The Qualified Mortgage DTI Threshold test.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Points and fees threshold test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Prepayment penalty threshold test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(IV) Is Not a High-Costs Mortgage.

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) TILA APR test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Dual Broker Compensation test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(IV) Loan originator credits test.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(VI) TILA Right of Rescission Test:

Initial Loan Estimate Timing Requirements (12 CFR §1026.19)

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

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

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

Revised Loan Estimate Timing Requirements (12 CFR §1026.19)

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

Page 4 of 10

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Revised loan estimate lender credits test.

Initial Closing Disclosure Timing Requirements

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

Initial Closing Disclosure Timing & Changed Circumstances Requirements

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Initial closing disclosure lender credits test.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Revised Closing Disclosure Waiting Period Required test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Revised closing disclosure delivery date test.

Revised Closing Disclosure Timing & Changed Circumstances Requirements

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(IV) Revised closing disclosure lender credits test.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Lender credits that cannot decrease test.

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Good Faith Estimate disclosure date test.

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

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

On applicable loans ("Covered Loans' with an Application Dates => 10/3/2015), SFIG RMBS 4.0 TRID Compliance Review Scope was used to test compliance with TILA/RESPA Integrated Disclosure rules.

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

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

Page 5 of 10

*<u>Qualified Mortgage</u>*

When applicable, CRES assessed the borrower(s)' QM classification and re-assigns a due diligence reviewed QM or Non-QM type for each loan. Loans are classified into one of the following categories:

(i) QM: Safe Harbor: Loans that meet the rule's definition of a QM and are eligible for safe harbor protection under the original QM definition, (ii) QM: Safe Harbor (APOR): Loans that meet the rule's definition of a QM and are eligible for safe harbor protection under the new General QM definition (iii) QM: GSE Temporary (safe harbor) – Loans that are eligible for purchase by Fannie Mae or Freddie Mac and therefore is exempt from the Appendix Q/43% DTI provision, but otherwise meets the QM safe harbor definition, (iv) QM: Rebuttable Presumption: Loans that meet the rule's definition of a QM and are eligible for rebuttable presumption protection under the original QM definition, (v) QM: Rebuttable Presumption (APOR): Loans that meet the rule's definition of a QM and are eligible for rebuttable presumption protection under the new General QM definition, (vi) QM: GSE Temporary (rebuttable presumption) - Loans that are eligible for purchase by Fannie Mae or Freddie Mac and therefore is exempt from the Appendix Q/43% DTI provision, but otherwise meets the QM rebuttable presumption definition (vii) Non-QM: Compliant with ATR: Loans that do not meet the QM definition but fully comply with the ATR rule, (viii) Non-QM: Non-Compliant: Loans that do not meet the QM definition and do not comply with the ATR rule, and (ix) Not Covered/Exempt: Loans that are not covered by the rule.

Note that CRES determines the mortgage loan's status under the ATR or QM rule requirements and assigns a proper due diligence mortgage loan designation that is solely based on the documentation available at the time of the review.

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

---

| | | |
|:---|:---|:---|
| | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | &nbsp;&nbsp;&nbsp;**Percentage of Population** |
| &nbsp;&nbsp;**Investment/Business Purpose Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3 | &nbsp;&nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;**Initial Application Date prior to October 3, 2015** | &nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**CRES Level II TRID Review** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;25.00% |

---

 

**Document Review**

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

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal.

&nbsp;&nbsp;&nbsp;&nbsp;· Asset documentation.

&nbsp;&nbsp;&nbsp;&nbsp;· Business Purpose Certification (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;· Changed circumstance documentation.

&nbsp;&nbsp;&nbsp;&nbsp;· Credit report.

&nbsp;&nbsp;&nbsp;&nbsp;· FACTA disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;· Final 1003.

&nbsp;&nbsp;&nbsp;&nbsp;· Final HUD-1/Closing Disclosure(s).

&nbsp;&nbsp;&nbsp;&nbsp;· Hazard and/or flood insurance policies.

&nbsp;&nbsp;&nbsp;&nbsp;· HUD from sale of previous residence.

&nbsp;&nbsp;&nbsp;&nbsp;· Homeownership counseling organizations disclosure.

Page 6 of 10

&nbsp;&nbsp;&nbsp;&nbsp;· Income and employment documentation.

&nbsp;&nbsp;&nbsp;&nbsp;· Initial and final GFE's.

&nbsp;&nbsp;&nbsp;&nbsp;· Initial application (1003).

&nbsp;&nbsp;&nbsp;&nbsp;· Initial escrow disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;· Initial TIL.

&nbsp;&nbsp;&nbsp;&nbsp;· Leases

&nbsp;&nbsp;&nbsp;&nbsp;· Loan Estimate(s).

&nbsp;&nbsp;&nbsp;&nbsp;· Market Rent supporting documentation

&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage Insurance.

&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage/Deed of Trust.

&nbsp;&nbsp;&nbsp;&nbsp;· Note.

&nbsp;&nbsp;&nbsp;&nbsp;· Notice of Special Flood Hazards.

&nbsp;&nbsp;&nbsp;&nbsp;· Sales contract.

&nbsp;&nbsp;&nbsp;&nbsp;· Tangible Net Benefit Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;· Title/Preliminary Title.

&nbsp;&nbsp;&nbsp;&nbsp;· Written List of Service Providers.

(6) Tape Data Compare

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

---

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

---

The seller provided CRES with loan level data regarding the mortgage loans for the data integrity check. CRES received the data directly from the seller through a loan registrations system or via a data tape.

Of the 4 mortgage loans reviewed, four unique mortgage loans had at least one tape discrepancy across 21 data fields (one mortgage loan had more than one data discrepancy). The following table discloses the number of data discrepancies noted by field name. Note, tape data was not provided on certain field compare values. The fields in which tape data was not available is noted below; however, a data discrepancy was not counted if the seller failed to provide a compare value.

Page 7 of 10

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Compare** | &nbsp;&nbsp;**Discrepancy: No** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Discrepancy: Yes** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;4 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;4 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Doc Level | &nbsp;&nbsp;4 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;DSCR\* | &nbsp;&nbsp;4 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;DTI | &nbsp;&nbsp;4 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;4 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;4 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Loan Term | &nbsp;&nbsp;4 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;LTV | &nbsp;&nbsp;4 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Note Date\* | &nbsp;&nbsp;4 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;4 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;4 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;4 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;P&I Payment | &nbsp;&nbsp;4 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;4 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;4 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;3 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;4 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;QM Type\* | &nbsp;&nbsp;4 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;\* Tape data was not available. | &nbsp;&nbsp;\* Tape data was not available. | &nbsp;&nbsp;\* Tape data was not available. | &nbsp;&nbsp;\* Tape data was not available. |
| &nbsp;&nbsp;DTI Variance Threshold Applied: 3% | &nbsp;&nbsp;DTI Variance Threshold Applied: 3% | &nbsp;&nbsp;DTI Variance Threshold Applied: 3% | &nbsp;&nbsp;DTI Variance Threshold Applied: 3% |

---

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

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

Approximately 100.00% of the mortgage loans by number have a Credit grade of "B" or higher and 50.00% of the mortgage loans by number have a Credit grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan Count** | **Percentage** |
| A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2 | 50.00% |
| B | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2 | 50.00% |
| C | 0 | 0.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4** | **100.00%** |

---

**Compliance Results Summary**

Approximately 100.00% of the mortgage loans in the securitization have a Compliance grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan Count** | **Percentage** |
| A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4 | 0.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4** | **100.00%** |

---

**Property Valuation Results Summary**

Approximately 100.00% of the mortgage loans by number have a Valuation grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan Count** | **Percentage** |
| A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4** | **100.00%** |

---

Page 8 of 10

**Overall Results Summary**

Approximately 100.00% of all loans by number received an "A" or "B" overall grade and 50.00% of all loans by number received an overall grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan Count** | **Percentage** |
| A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2 | 50.00% |
| B | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2 | 50.00% |
| C | 0 | 0.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4** | **100.00%** |

---

(8) Pool Stratification Summary

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4 | 100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Note Type** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**Arm** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 0.00% |
| &nbsp;&nbsp;**Fixed** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4 | 100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**Owner Occupied** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | 25.00% |
| &nbsp;&nbsp;**Non-Owner Occupied** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3 | 75.00% |
| &nbsp;&nbsp;**Second Home** | 0 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**Purchase** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3 | 75.00% |
| &nbsp;&nbsp;**Refi - Cash Out** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 0.00% |
| &nbsp;&nbsp;**Rate Term Refi** | 1 | 25.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**Single Family** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2 | 50.00% |
| &nbsp;&nbsp;**2-4 Family** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2 | 50.00% |
| &nbsp;&nbsp;**PUD** | 0 | 0.00% |
| &nbsp;&nbsp;**Condo** | 0 | 0.00% |
| &nbsp;&nbsp;**Co-op** | 0 | 0.00% |
| &nbsp;&nbsp;**Townhome** | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4** | **100.00%** |

---

Page 9 of 10

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Debt to Income** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**0-9.99%\*** | 0 | 0.00% |
| &nbsp;&nbsp;**10%-19.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**20%-29.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**30%-39.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**40%-49.99%** | 1 | 100.00% |
| &nbsp;&nbsp;**50%-60.00%** | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | **1** | **100.00%** |
| **Three loans in the pool were underwritten to a Debt Service Coverage Ratio ("DSCR") program.** | **Three loans in the pool were underwritten to a Debt Service Coverage Ratio ("DSCR") program.** | **Three loans in the pool were underwritten to a Debt Service Coverage Ratio ("DSCR") program.** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DSCR Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| **<0 or** | 0 | 0.00% |
| **0-0.1999** | 0 | 0.00% |
| **0.2-0.3999** | 0 | 0.00% |
| **0.4-0.5999** | 0 | 0.00% |
| **0.6-0.7999** | 0 | 0.00% |
| **0.8-.9999** | 0 | 0.00% |
| **1-1.1999** | 1 | 33.33% |
| **1.2-1.3999** | 2 | 66.67% |
| **1.4-1.5999** | 0 | 0.00% |
| **1.6-1.7999** | 0 | 0.00% |
| **1.8-1.9999** | 0 | 0.00% |
| **=>2** | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **3** | **100.00%** |
| **One loan in the pool was underwritten to a Debt to Income ("DTI") program.** | **One loan in the pool was underwritten to a Debt to Income ("DTI") program.** | **One loan in the pool was underwritten to a Debt to Income ("DTI") program.** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Loan to Value** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**10%-19.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**20%-29.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**30%-39.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**40%-49.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**50%-59.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**60%-69.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**70%-79.99%** | 3 | 75.00% |
| &nbsp;&nbsp;**80%-89.99%** | 1 | 25.00% |
| &nbsp;&nbsp;**90%-100%** | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**State** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| FL | 3 | 75.00% |
| TX | 1 | 25.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4** | **100.00%** |

---

Page 10 of 10

## Exhibit 99.10

**Exhibit 99.10 Schedule 1**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** |
| | **Origination Values** | **AVM Values** | **BPO Review Values** | **Desk Review Values** | **Field Review Values** | **Collateral Underwriter Risk Score** |

---

---

| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan Number** | **Seller Loan Number** | **Origination Date** | **Original Loan Amount** | **LTV** | **Value Used For LTV** | **Sale Price** | **Appraised Value** | **Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Type** | **Value** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **CU Score** | **Company** | **CU Date** |
|  | 1052864073 |  | xx/xx/xxxx | XXXX | 80.00% | Sale Price | XXXX | XXXX | XX/XX/XXXX |  |  |  | XXXX |  |  |  |  | 1.9 | XXXX | XXXX |
|  | 1052916571 |  | xx/xx/xxxx | XXXX | 75.00% | Appraised Value | XXXX | XXXX | XX/XX/XXXX |  |  |  | XXXX | 0.00 | 0.00% | XXXX | XXXX |  |  |  |
|  | 1052925107 |  | xx/xx/xxxx | XXXX | 75.00% | Sale Price | XXXX | XXXX | XX/XX/XXXX |  |  |  | XXXX | 0.00 | 0.00% | XXXX | XXXX |  | XXXX | XXXX |
|  | 1052925110 |  | xx/xx/xxxx | XXXX | 75.00% | Sale Price | XXXX | XXXX | XX/XX/XXXX |  |  |  | XXXX | 0.00 | 0.00% | XXXX | XXXX |  | XXXX | XXXX |

---

## Exhibit 99.10

**Exhibit 99.10 Schedule 2**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Rating Agency Exceptions Report: 10/23/2025** | **Rating Agency Exceptions Report: 10/23/2025** | **Rating Agency Exceptions Report: 10/23/2025** | **Rating Agency Exceptions Report: 10/23/2025** | **Rating Agency Exceptions Report: 10/23/2025** |
| **Loan Information** | **Exception Information** | **Initial Overall Grades** | **Final Overall Grades** | **Event Level** |

---

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **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** | **Grade** |
|  | 1052864073 |  | FL | Purchase | Owner Occupied | Single Family Detached | 45 |  | 744 | 80.00% |  | 299786 | Credit | Warranty Deed / Quit Claim Deed | The Warranty/Grant Deed is missing from the loan file. | 02/27/25: Documentation provided to cure. |  | Cleared Exception D B | 1 |
|  | 1052864073 |  | FL | Purchase | Owner Occupied | Single Family Detached | 45 |  | 744 | 80.00% |  | 299787 | Credit | Flood Insurance | Property is located in a FEMA Flood Zone; a copy of the flood insurance policy is missing from the loan file. | 02/27/25: Documentation provided to cure. |  | Cleared Exception D B | 1 |
|  | 1052864073 |  | FL | Purchase | Owner Occupied | Single Family Detached | 45 |  | 744 | 80.00% |  | 299788 | Credit | Doc Type | Per the lock agreement the subject property address is XXXXr; provide an updated lock reflecting the correct property address. | 3/10: This can be cleared per xxx. |  | Cleared Exception D B | 1 |
|  | 1052864073 |  | FL | Purchase | Owner Occupied | Single Family Detached | 45 |  | 744 | 80.00% |  | 299791 | Credit | Eligibilty | Per guidelines borrowers with no investment properties retaining their departing residence as a rental require preapproval. | 03/03/25: A pre-approval was provided by xxx. |  | Cleared Exception D B | 1 |
|  | 1052864073 |  | FL | Purchase | Owner Occupied | Single Family Detached | 45 |  | 744 | 80.00% |  | 299852 | Compliance | Other | Per the Disclosure Tracking initial CD 01/xx/2025 and Revised CD 01/xx/2025 are missing from the loan file. | 03/03/25: Documentation provided to cure. |  | Cleared Exception D B | 1 |
|  | 1052864073 |  | FL | Purchase | Owner Occupied | Single Family Detached | 45 |  | 744 | 80.00% |  | 299864 | Credit | Program Eligibilty | Per lock loan was underwritten using the XXXX program; a copy of the AUS findings is missing from the loan file. | 02/27/25: Documentation provided to cure. |  | Cleared Exception D B | 1 |
|  | 1052864073 |  | FL | Purchase | Owner Occupied | Single Family Detached | 45 |  | 744 | 80.00% |  | 299865 | Credit | Program Eligibilty | Per guidelines generally borrowers may not own an additional single-family residence of equal or greater value than the subject property. Per XXXX printout the departing residence value is $XXXX; borrow has significant equity in departing residence to be considered but cannot be paired with an exception. | 02/27/25: Documentation provided to cure. |  | Cleared Exception D B | 1 |
|  | 1052864073 |  | FL | Purchase | Owner Occupied | Single Family Detached | 45 |  | 744 | 80.00% |  | 299866 | Credit | Asset Verification | Provide evidence of ownership for XXXX to verify the business is owned by the borrowers fiance. | 3/3: still need verification of ownership for XXXX to verify the business is owned by the borrowers fiance.<br> 03/10/25: Documentation provided to cure. |  | Cleared Exception D B | 1 |
|  | 1052864073 |  | FL | Purchase | Owner Occupied | Single Family Detached | 45 |  | 744 | 80.00% |  | 299867 | Credit | Income | The CPA/ Tax preparer attestation letter verifying the business expense factor is 30% is missing from the loan file. | 2/28: Per guidelines, Tax Preparer letters prepared by PTINs are ineligible for all programs. In addition, the letter does not meet the letter requirements for the Third Party Expense Ratio program. <br> 3/10: Bank Statement Worksheet provided does not clear condition: Tax Preparer letters prepared by PTINs are ineligible for all programs. In addition, the letter does not meet the letter requirements for the Third Party Expense Ratio program. <br> 3/24: xxx has denied an exception for PTIN prepared expense letter. 4/28: New Tax Preparer Attestation indicates they did not file the borrower's most recent tax return as required. 04/30/25: An exception was approved for the guideline deviation. | DTI - 44.97%, Credit Score - 744 | Client Accepted D B | 2 |
|  | 1052864073 |  | FL | Purchase | Owner Occupied | Single Family Detached | 45 |  | 744 | 80.00% |  | 299868 | Credit | Income | A copy of the CPA/ Tax preparer's license is missing from the loan file. | 2/28: License number must be verified. Per guidelines, Tax Preparer letters prepared by PTINs are ineligible for all programs.<br> 3/10: Letter provided was completed by a PTIN which are ineligible. 3/24: xxx has denied an exception for PTIN prepared expense letter. 04/30/25: Documentation provided to cure. |  | Cleared Exception D B | 1 |
|  | 1052864073 |  | FL | Purchase | Owner Occupied | Single Family Detached | 45 |  | 744 | 80.00% |  | 299869 | Credit | Income | A business narrative describing the nature of the borrower's business is missing from the loan file. | 2/28: Need an actual Business Narrative form completed by the borrower.<br> 03/13/25: Documentation provided to cure. |  | Cleared Exception D B | 1 |
|  | 1052864073 |  | FL | Purchase | Owner Occupied | Single Family Detached | 45 |  | 744 | 80.00% |  | 299870 | Credit | Income | An internet printout of the borrowers business is missing from the loan file. | 02/27/25: Documentation provided to cure. |  | Cleared Exception D B | 1 |
|  | 1052916571 |  | TX | Rate Term Refi | Non-Owner Occupied | Single Family Detached | 0 | 1.327 | 776 | 75.00% |  | 300511 | Credit | Credit - Eligiblity | The Borrower Certification of Business Purpose form is missing from the loan file. | 3/28/2025: Document provided to cure. |  | Cleared Exception B | 1 |
|  | 1052916571 |  | TX | Rate Term Refi | Non-Owner Occupied | Single Family Detached | 0 | 1.327 | 776 | 75.00% |  | 300569 | Credit | Rental Income | Per HAP lease agreement, borrower is responsible to pay $789 and xxx to pay $861 for a total monthly rent of $1650. However, unable to verify the full payment amount. | Exception to use market rent vs lease approved by xxx and in file. | Credit Score - 776, LTV - 75% | Client Accepted B | 2 |
|  | **2** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | 1052925107 |  | FL | Purchase | Non-Owner Occupied | Two-Unit Property | 0 | 1.004 | 802 | 75.00% |  |  |  |  |  |  |  | A |  |
|  | 1052925110 |  | FL | Purchase | Non-Owner Occupied | Two-Unit Property | 0 | 1.264 | 802 | 75.00% |  |  |  |  |  |  |  | A |  |
|  | **2** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.10

**Exhibit 99.10 Schedule 3**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan Number** | **TPR Loan Number** | **Tape** | **Audited** | **Field Compare** | **Variance** | **Data Discrepancy Flag** |
|  | 1052916571 |  |  | 776 | FICO | 23 | Yes |
|  | 1052925110 |  |  | 802 | FICO | -5 | Yes |
|  | 1052925107 |  |  | 802 | FICO | -5 | Yes |
|  | 1052864073 |  |  | xxxx | Property Zip | Yes | Yes |

---

## Exhibit 99.10

**Exhibit 99.10 Schedule 4**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Rating Agency Grades: 10/23/2025** | **Rating Agency Grades: 10/23/2025** | **Rating Agency Grades: 10/23/2025** | **Rating Agency Grades: 10/23/2025** | **Rating Agency Grades: 10/23/2025** | **Rating Agency Grades: 10/23/2025** | **Rating Agency Grades: 10/23/2025** | **Rating Agency Grades: 10/23/2025** | **Rating Agency Grades: 10/23/2025** |
| **Loan Information** | **Initial Credit Grades** | **Initial Compliance Grades** | **Initial Property Grades** | **Initial Overall Grades** | **Final Credit Grades** | **Final Compliance Grades** | **Final Property Grades** | **Final Overall Grades** |

---

---

| | | | |
|:---|:---|:---|:---|
| ASF Loan Number | **Loan Number** | **Alternate Loan ID** | **Note Original Balance** |
|  | 1052864073 |  | D C A B |
|  | 1052916571 |  | C A B |
|  | 1052925107 |  | A |
|  | 1052925110 |  | A |

---

## Exhibit 99.10

**Exhibit 99.10 Schedule 5**

---

| |
|:---|
| ![](ex99-10sch5_001.jpg) |
| **ATR QM Data Fields** |
| *Loans in Report: 4* |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Client Loan Number** | **Alt Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **TRID Indicator** |
|  | 1052864073 |  | Non-QM: Compliant with ATR | No | Yes |
|  | 1052916571 |  | Not covered/exempt | No | No |
|  | 1052925107 |  | Not covered/exempt | No | No |
|  | 1052925110 |  | Not covered/exempt | No | No |
|  | **4** |  |  |  |  |

---

## Exhibit 99.10

**Exhibit 99.10 Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan Number** | **Doc Type** | **Property ID** | **Rent On Lease if applicable** | **Rent On Appraisal if applicable** | **Source Lease or Appraisal** | **Used for DSCR** | **DSCR** | **PITI** | **Short Term Rental Flag** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Year Built** | **Square Footage** | **Units** | **Unit 1 of Baths** | **Unit 1 of Beds** | **Unit 2 of Baths** | **Unit 2 of Beds** | **Lease Term** |
|  | 1052916571 | DSCR | 1 | 789 | 1550 | Appraisal | 1550 | 1.3267 |  | No |  |  | TX |  |  |  | 1 | 2 | 3 |  |  | 12-Months |
|  | 1052925107 | DSCR | 1 | 1050 | 1150 | Lease | 1050 | 1.0035 |  | No |  |  | FL |  |  |  | 2 | 1 | 2 | 1 | 2 | Month-to-Month |
|  | 1052925107 | DSCR | 2 | 850 | 1150 | Lease | 850 |  |  | No |  |  | FL |  |  |  | 2 | 1 | 2 | 1 | 2 | Month-to-Month |
|  | 1052925110 | DSCR | 1 | 0 | 1150 | Appraisal | 1150 | 1.2638 |  | No |  |  | FL |  |  |  | 2 | 1 | 2 | 1 | 2 |  |
|  | 1052925110 | DSCR | 2 | 0 | 1150 | Appraisal | 1150 |  |  | No |  |  | FL |  |  |  | 2 | 1 | 2 | 1 | 2 |  |

---

## Exhibit 99.11

**Exhibit 99.11**

![](ex99-11_002.jpg)

---

| |
|:---|
| NRMLT 2025-NQM6 |
| ![](ex99-11_001.jpg) |

---

**November 04, 2025<br> Due Diligence Narrative Report**

![](ex99-11_003.jpg)

**Table of Contents**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **3** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Review scope | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;# of Files Reviewed | 3 |
| &nbsp;&nbsp;&nbsp;Loan Grading | 3 |
| &nbsp;&nbsp;&nbsp;TPR Component Review Scope | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 5 |
| &nbsp;&nbsp;&nbsp;Data Integrity | 7 |
| &nbsp;&nbsp;&nbsp;Data Capture | 7 |
| **Data Compare Results** | **7** |
| **Clayton Due Diligence Results** | **8** |
| **Clayton Third Party Reports Delivered** | **9** |
| **Appendix A: Credit Review Scope** | **9** |
| **Appendix B: Origination Appraisal Assessment** | **12** |
| **Appendix C: Regulatory Compliance Review Scope** | **14** |

---

 ****

NRMLT 2025-NQM6 Due Diligence Narrative Report Page \| 1 November 04, 2025

 ****

 ****

**Clayton Contact Information**

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](ex99-11_004.jpg) | **Michael Santarsiere** | Client Service Director |
|  |  | Phone: (813) 371-0280/E-mail: <u>msantarsiere@clayton.com</u> |
| ![](ex99-11_004.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview**

On behalf of Hometown Equity Mortgage, LLC dba "theLender", Clayton Services LLC ("Clayton") conducted an independent third-party pre-securitization due diligence review of 1 residential loan.

On behalf of HomeXpress Mortgage Corp., Clayton Services LLC ("Clayton") conducted an independent third-party pre-securitization due diligence review of 49 residential loans.

Rithm Capital Corp. subsequently purchased these loans via reliance letter and selected them for the NRMLT 2025-NQM6 transaction.

The loans referenced in this narrative report were reviewed on a flow loan basis from November 2024 to June 2025. This narrative report provides information about the scope of work performed by Clayton, and the results of Clayton's review.

**Originators**

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Broker | &nbsp;&nbsp;49 | &nbsp;&nbsp;98.00% |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**50** | &nbsp;&nbsp;**100.00%** |

---

NRMLT 2025-NQM6 Due Diligence Narrative Report Page \| 2 November 04, 2025

![](ex99-11_003.jpg)

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

The scope of work for this transaction consisted of a credit review, property valuation review, regulatory compliance review, and data integrity check.

---

| | |
|:---|:---|
| &nbsp;&nbsp; Review scope | &nbsp;&nbsp; # of Files Reviewed |
| &nbsp;&nbsp;Credit Review | &nbsp;&nbsp;50 |
| &nbsp;&nbsp;Property Valuation Review | &nbsp;&nbsp;50 |
| &nbsp;&nbsp;Regulatory Compliance Review | &nbsp;&nbsp;38 |
| &nbsp;&nbsp;Data Integrity Check | &nbsp;&nbsp;50 |

---

Loan Grading

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

Clayton's loan grading complied with rating agency grading definitions published by Moody's, Standard and Poor's, Fitch, Morningstar, Kroll and DBRS.

![](ex99-11_005.jpg)

NRMLT 2025-NQM6 Due Diligence Narrative Report Page \| 3 November 04, 2025

![](ex99-11_003.jpg)

TPR Component Review Scope

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

Credit Review

Clayton's Credit scope of review conducted on 50 loans on this transaction included the following elements (for more detail, please refer to <u>Appendix A</u>):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Compared the loan documentation found in the loan file to the origination guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Re-calculated LTV, CLTV, income, liabilities, and debt-to-income ratios (DTI) and compared these against
the stated seller origination guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Analyzed asset statements in order to determine that funds to close and reserves were within origination
guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Confirmed that credit scores (FICO) and credit histories were within origination guidelines;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Examined income, employment, assets, and occupancy status for reasonability;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Reviewed the occupancy, VOE and self/employed business documents within the loan file, as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Listed the property type as Coop, as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Reviewed for condo warranty documentation, as applicable;

Property Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original Appraisal Assessment (50 loans)

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

- For more detail on the original appraisal review, please refer to <u>Appendix B</u> and to the guidelines cited above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Value Supported Analysis (50 loans)

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Field Review

For further detail please refer to the NRMLT 2025-NQM6 Valuations Summary Report

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

NRMLT 2025-NQM6 Due Diligence Narrative Report Page \| 4 November 04, 2025

![](ex99-11_003.jpg)

Regulatory Compliance Review

Clayton's regulatory compliance scope of review conducted on 38 loans on this transaction included the elements summarized below. (For more detail, please refer to <u>Appendix C</u>.)

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tested for state-specific consumer protection laws including late charge and prepayment penalty provisions;

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

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

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

- TIL APR and Finance charge tolerances;

- Timeliness of ARM Disclosures (if applicable);

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

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

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

- Prepayment Penalty restrictions; and

QM/ATR Review: On applicable loans;, test compliance with applicable Qualified Mortgage (QM) and Ability to Repay (ATR) requirements defined under the Dodd-Frank Wall Street Reform and Consumer Protection Act as promulgated by the Consumer Financial Protection Bureau any loan subject to that regulation, as further described on <u>Appendix C</u> attached hereto.

TILA/RESPA Integrated Disclosure Scope ('Covered Loans' with an Application Date => 10/3/2015); SFIG RMBS 3.0 TRID Compliance Review Scope as further described on <u>Appendix C</u> attached hereto.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Real Estate Settlement Procedures Act (RESPA) laws and regulations testing included the following, for loans other than 'Covered
Loans' and loans with an Application Date prior to 10/3/2015:

- GFE initial disclosure timing and content;

- Confirmed the file contains the final HUD1 Settlement Statement;

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

- Homeownership Counseling Notice;

- Affiliated Business Disclosure if applicable.

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

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

NRMLT 2025-NQM6 Due Diligence Narrative Report Page \| 5 November 04, 2025

![](ex99-11_003.jpg)

Following the June 15<sup>th</sup> formal publication of the RMBS 3.0 TRID Compliance Review Scope©, Clayton reviewed prior testing results dating back to the TRID Effective Date, and applied the enhanced RMBS 3.0 TRID Compliance Review Scope to such loans upon the affirmative election by Rithm Capital Corp.

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

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

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

State and Federal High Cost and Higher-Priced:

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

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

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

Anti-predatory lending laws

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

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

Prepayment Penalties and Late Charges in certain states

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

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

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

NRMLT 2025-NQM6 Due Diligence Narrative Report Page \| 6 November 04, 2025

![](ex99-11_003.jpg)

Data Integrity

Clayton utilized its proprietary eCLAS tool to determine tape-to-file accuracy of 50 reviewed loans, by completing the following steps:

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Each discrepancy is reported in a Loan Level Tape Compare Upload.

Data Capture

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

**data Compare Results**

Clayton provided Rithm Capital Corp. with a copy of the Loan Level Tape Compare Upload which showed the differences between the data received from the sellers versus the data captured by Clayton during the loan review in relation to the 50 loans reviewed.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% Accuracy** |
| &nbsp;&nbsp;Borrower 1 Total Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.00% |
| &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;7 | &nbsp;&nbsp;86.00% |
| &nbsp;&nbsp;Disbursement Date | &nbsp;&nbsp;10 | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.00% |
| &nbsp;&nbsp;DTI Qualifying (Back) | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.00% |
| &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;7 | &nbsp;&nbsp;86.00% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;3 | &nbsp;&nbsp;94.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;96.00% |
| &nbsp;&nbsp;Representative Credit Score for Grading | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.00% |
| &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;12 | &nbsp;&nbsp;76.00% |

---

NRMLT 2025-NQM6 Due Diligence Narrative Report Page \| 7 November 04, 2025

![](ex99-11_003.jpg)

**Clayton Due Diligence Results**

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

**<u>Initial and Final Overall Loan Grade Results</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 23 |  | 7 | 12 | **42** |
| **Final** | **B** |  | 2 | 2 | 4 | **8** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **23** | **2** | **9** | **16** | **50** |

---

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

**<u>Initial and Final Credit Component Grade Results</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 34 |  | 1 | 10 | **45** |
| **Final** | **B** |  | 4 |  | 1 | **5** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **34** | **4** | **1** | **11** | **50** |

---

**<u>Initial and Final Property Valuation Grade Results</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 42 |  | 1 | 7 | **50** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **42** | **0** | **1** | **7** | **50** |

---

NRMLT 2025-NQM6 Due Diligence Narrative Report Page \| 8 November 04, 2025

**<u>Initial and Final Regulatory Compliance Grade Results</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 29 |  | 5 |  | **34** |
| **Final** | **B** |  | 1 | 3 |  | **4** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **29** | **1** | **8** | **0** | **38** |

---

\*Compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review (12 loans in pool)

**Clayton Third Party Reports Delivered**

Clayton furnished the following reports on this transaction:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. ASF Upload Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Non ATR QM Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Conditions Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Valuation Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Loan Level Tape Compare

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Waived Conditions Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Attestation Forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. 15E Form

**Appendix A: Credit Review Scope**

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

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

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

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

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

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

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

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

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

- Citizenship status

- Non- occupant co-borrower

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

Maximum loan amount

- Loan purpose

- Occupancy

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

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

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

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

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

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

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

- Income documentation

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

- CPA letter

- Business licenses

- Tax transcripts (IRS Form 4506-T)

- Other documentation in loan file

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

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

- Documents did not appear to have been altered or inconsistent

- IRS Form 4506-T

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Settlements statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Other evidence of conveyance and transfer of funds, if a sale of assets was involved

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Other documentation in loan file

- Asset documents were reviewed to determine any large deposits and appropriate sourcing of funds

&nbsp;&nbsp;&nbsp;&nbsp;o Credit Report review included:

- Complete copy of report was in loan file

- Report was dated within required timeframe

- All borrowers were included in the report

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- Checked any fraud alerts against related loan file documentation

- Verified all disclosed mortgage debt on credit report against the loan application (under the schedule of real estate owned) for accurate debt ratio calculation

- Compared liabilities listed on the credit report against the loan application for accurate debt ratio calculation

- Captured and utilized appropriate credit score for guideline review

&nbsp;&nbsp;&nbsp;&nbsp;o Title policy review included:

- Title interest – determined if

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee simple

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Leasehold estate

- Appropriate vestee(s) were listed on title policy

Amount of coverage was greater than or equal to the original principal amount of the mortgage

- Applicable title endorsements were present

- Checked for any encumbrances, encroachments and other title exceptions affecting the lien identified through the title search; verified that each issues was addressed in the transaction

- Reviewed the chain of title and duration of ownership by seller or borrower (whichever was applicable)

- Captured monthly tax payments in debt ratio calculation

&nbsp;&nbsp;&nbsp;&nbsp;o HUD1 (Settlement Statement) review included:

- Funds to close identified and analyzed against borrower's assets

- Seller contributions did not exceed maximum allowed

- Subject property, seller and borrower aligned with other loan documentation

- Disbursements and pay-offs included in debt ratio calculations

- Loan purpose confirmed

&nbsp;&nbsp;&nbsp;&nbsp;o Hazard/Flood insurance review included:

- Verified presence of required hazard insurance and flood insurance (if required)

- Confirmed that any required insurance was for the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct loan number

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Life of loan, if flood insurance required

Confirmed that any required insurance minimum coverage amount and policy period

- Reviewed for evidence that any required insurance policy premium was paid

- Confirmed that the mortgagee clause listed the lender's name and "it's successors and assigns"

Confirmed that the payment amount on any required insurance was included in the debt ratio calculation

&nbsp;&nbsp;&nbsp;&nbsp;o Mortgage Insurance review included:

- Determined if mortgage insurance is required

Captured mortgage insurance name, certificate # and percentage guarantee (when required)

C. For each mortgage loan, Clayton examined the mortgage or deed of trust for evidence of recordation. In lieu of a copy of the mortgage
or deed of trust with recording information, a copy of the mortgage or deed of trust that is stamped "true and certified copy"
by the escrow/settlement agent plus recording directions on closing instruction documentation was utilized as evidence for recording.

D. For each mortgage loan, Clayton utilized the results from an independent, third-party fraud tool along with information in the loan
file to identify and address any potential misrepresentations including:

&nbsp;&nbsp;&nbsp;&nbsp;o Borrower identity

- Social Security inconsistencies

- Borrower name variations

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&nbsp;&nbsp;&nbsp;&nbsp;o Occupancy

- Borrower address history

- Subject property ownership history

&nbsp;&nbsp;&nbsp;&nbsp;o Employment

&nbsp;&nbsp;&nbsp;&nbsp;o Licensing – reviewed NMLS data for:

- Mortgage lender/originator

- Loan officer

&nbsp;&nbsp;&nbsp;&nbsp;o OFAC

E. Performed a DSCR review following the origination guidelines to arrive at a monthly property expense. This number is used as the denominator
to the monthly lease or estimated lease income. Clayton reviewed the applicable documentation and data to arrive at this ratio, including:

&nbsp;&nbsp;&nbsp;&nbsp;o Principal and interest payment

&nbsp;&nbsp;&nbsp;&nbsp;o Property taxes

&nbsp;&nbsp;&nbsp;&nbsp;o Insurance

&nbsp;&nbsp;&nbsp;&nbsp;o HOA payments

**Appendix B: Origination Appraisal Assessment**

For each Mortgage Loan, Clayton performed the following origination appraisal analysis:

A. Verified that the mortgage loan file contained an appraisal report and that it met the following criteria:

&nbsp;&nbsp;&nbsp;&nbsp;o Appraisal report used standard GSE forms, appropriate to the property type:

- FNMA 1004/FHLMC 70 – Uniform Residential Appraisal Report. Used for 1-unit properties, units in planned unit developments (detached PUDs) and condominium projects that consist solely of detached dwelling (site condominium)

- FNMA 1073/FHLMC 465 – Individual Condominium Report. Used to appraise a unit in a condominium project or a condominium unit in a PUD (attached PUD)

- FNMA 1025/FHLMC 72 – Small Residential Income Property Appraisal Report. Used for all two-to-four unit residential income properties, including two-to-four unit properties in a PUD

- FNMA 2090 – Individual Cooperative Appraisal Report. Used for individual cooperative units

- FNMA 2000/FHLMC 1032 – One Unit Residential Appraisal Field Review

- FNMA 2000a/FHLMC 1072 – Two to Four Unit Residential Appraisal Field Review

&nbsp;&nbsp;&nbsp;&nbsp;o Appraisal report was reasonably complete and included:

- Appraisal report form, certification, statement of limiting conditions and scope of work

- Accurate identification of the subject property

- Accurate identification of the subject loan transaction

- Accurate identification of the property type, in both land and improvements

- All required attachments including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subject front, rear and street photos and valued features

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subject interior photos – kitchen, all baths, main living area, updates/upgrades, deferred maintenance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Photos of all comparable sales and listings

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Location map

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Exterior sketch of property with dimensions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 1004MC Market Conditions Report

- Evidence that appraisal report was made "As Is" or provided satisfactory evidence of completion for all material conditions

- Appraisal date met supplied Sponsor Acquisition Criteria

- If applicable to Sponsor Acquisition Criteria requirements, a second full appraisal was furnished and met Sponsor Acquisition Criteria

B. Performed a general credibility assessment of the results of the appraisal per Title XI of FIRREA and
USPAP based on the following criteria:

&nbsp;&nbsp;&nbsp;&nbsp;o Title XI of FIRREA:

- Determined that either the appraiser or supervisory appraiser was appropriately licensed by verifying the appraiser's license included in the appraisal.

- Reviewed for the presence of any "red flags" related to the mortgaged property that may have posed a risk to the property or occupants

&nbsp;&nbsp;&nbsp;&nbsp;o USPAP

- Confirmed that the appraiser's certification is present and executed within the original appraisal.

C. Reviewed and graded the appraisal valuation to the following criteria:

&nbsp;&nbsp;&nbsp;&nbsp;o Appraised value was reasonably supported. Utilized the following review in making value supported determination:

- Comps used were located reasonably close to the subject property and if not the reason was satisfactorily explained

- Comps used were reasonably recent in transaction date and if not the reason was furnished

- Comps used were reasonably similar to the subject property and if not an explanation was supplied

- Appraised value of the subject was bracketed by the sales prices of the comps and if not the reason was furnished

Adjustments were reviewed and appeared reasonable utilizing the 15% net/25% gross guideline.

&nbsp;&nbsp;&nbsp;&nbsp;o Property was complete. However, if the property was not 100% complete, then any unfinished portion had
no material impact to the value, safety, soundness, structural integrity, habitability or marketability of the subject property

&nbsp;&nbsp;&nbsp;&nbsp;o Appraisal was reviewed for any indication of property or marketability issues. Utilized the following
key points in making determination:

- Appraisal was made on an "As Is" basis or provides satisfactory evidence of completion of all material conditions

- Property usage was reviewed for zoning compliance

- Property utilization was reviewed to determine it was "highest and best use"

- Neighborhood values were reviewed to determine if declining

- Market conditions were reviewed to determine indication of possible marketability issues:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Location

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ % built up

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Growth rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Demand/supply

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Marketing time

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Predominant occupancy

- Physical condition of the property was reviewed to determine that the property condition was average or better

- Style of property was reviewed to determine if unique property

- Any health and safety issues were noted and/or remediated

- Locational and/or environmental concerns adequately addressed if present

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D. Property Eligibility Criteria – Clayton reviewed the property to determine that the property met
the client supplied eligibility requirements. Examples of ineligible property types may include:

&nbsp;&nbsp;&nbsp;&nbsp;o 3 to 4 unit owner occupied properties

&nbsp;&nbsp;&nbsp;&nbsp;o 2 to 4 unit second homes

&nbsp;&nbsp;&nbsp;&nbsp;o Unwarrantable or limited review condominiums

&nbsp;&nbsp;&nbsp;&nbsp;o Manufactured or mobile homes

&nbsp;&nbsp;&nbsp;&nbsp;o Condotel units

&nbsp;&nbsp;&nbsp;&nbsp;o Unique properties

&nbsp;&nbsp;&nbsp;&nbsp;o Working farms, ranches or orchards

&nbsp;&nbsp;&nbsp;&nbsp;o Mixed-use properties

&nbsp;&nbsp;&nbsp;&nbsp;o Properties subject to existing oil or gas leases

&nbsp;&nbsp;&nbsp;&nbsp;o Properties located in Hawaii Lava Zones 1 and 2

&nbsp;&nbsp;&nbsp;&nbsp;o Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage

E. Properties Affected by Disasters Criteria – Clayton reviewed the appraisal date against any FEMA
Declared Disaster Areas that were designated for Individual and/or Public Assistance due to a federal government disaster declaration.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o If the appraisal date is before the FEMA Effective Date for any of the disasters listed, Clayton will
specify whether or not there has been a property inspection since the date listed, the latest inspection date, whether or not new damage
has been indicated, and the amount of said damage.

F. Disclaimer

&nbsp;&nbsp;&nbsp;&nbsp;o The individuals performing the aforementioned original appraisal assessment are not persons providing
valuations for purposes of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as appraisers
under Federal or State law, and the services being performed by such persons do not constitute "appraisal reviews" for purposes
of USPAP or Federal or State law.

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton makes no representation or warranty as to the value of any mortgaged property, notwithstanding that Clayton may have reviewed
valuation information for reasonableness

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton is not an 'AMC' (appraisal management company) and therefore Clayton does not opine on the actual value of the
underlying property

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton is not a 'creditor' within the meaning of ECOA or other lending laws and regulations, and therefore Clayton will
not have any communication with or responsibility to any individual consumer concerning property valuation.

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton does not check to see if the appraiser is on the Freddie Mac exclusionary list

**Appendix C: Regulatory Compliance Review Scope**

This appendix provides an overview of Clayton's proprietary compliance system for 1-4 family residential mortgage loans in the due diligence process to determine, to the extent possible and subject to the caveats below, whether the loans comply with federal, state and local laws. The Disclaimer section explains limitations that you should be aware of. Additional details on the items listed below as well as Clayton's state, county and municipal testing can be provided upon request. The compliance engine is fully integrated into Clayton's proprietary due diligence platform, eCLAS.

**<u>Federal Law</u>**

**A.** **RESPA and Regulation X:** Loan level analysis on the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o GFE/HUD1: confirm the correct version of the GFE and HUD1 were properly completed under the Regulation X Final Rule that became mandatory
on January 1, 2010

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Initial Good Faith Estimate, (GFE): timing and content of the initial disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final GFE: Verification that increases to fees from the initial GFE were disclosed within 3 days of valid changed circumstance documentation
within the loan file

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final HUD1 Settlement Statement: verify the loan file contains the final HUD1 and the loan terms on the HUD1 correspond to the actual
loan terms from the Note

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final GFE to HUD1 tolerance fee evaluation: confirm the fees charged on the HUD1 do not exceed the Final GFE in the 0% or 10% fee
tolerance categories, including a review for a Settlement Service Provider List if the lender excludes fees that the borrower can shop
for.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Affiliated Business Disclosure: if the loan file indicates the lender or broker referred the borrower to a known affiliate, confirm
the disclosure was provided to the borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Homeownership Counseling Notice: for loan applications on or after 1/10/2014, confirm the notice was provided to the borrower within
3 days of application

**B.** **Truth in Lending Act and Regulation Z** - Loan level analysis on the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TIL Disclosure: Content of Disclosures – perform an independent recalculation of the finance charges and APR to determine whether
the amounts disclosed on the final TIL were within allowable tolerances. Payment schedule accuracy, including under the Mortgage Disclosure
Improvement Act for loans applications on or after January 30, 2010. Additional disclosure content with a focus on the consistency of
the prepayment penalty disclosure and assumption policy with the note and security instrument.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Mortgage Disclosure Improvement Act, (3/7/3 rule): Confirm the timing of the initial TIL disclosure within 3 days of application,
7 days prior to consummation, and corrected TIL disclosures provided at least 3 days prior to consummation for applications received on
or after July 30, 2009 (Section 19)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o ARM Disclosure: confirm these disclosures are in the file within 3 days of application, or 3 days of the borrower discussing ARM programs
identified within the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Right of Rescission – Review the disclosure form type, disclosure timing, disclosed dates, other material disclosures, and the
loan disbursement (Section 23)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o High Cost mortgage thresholds for points and fees (Section 32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o High Cost Prohibited Acts and Practices upon request (Section 33)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Higher Priced Mortgage Loan thresholds for APR in relation to the APOR. Including Escrow and appraisal requirements (Section 35)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Prohibited Acts or Practices including testing the Loan Originator compensation rules, NMLSR ID on documents, financing Credit Insurance,
mandatory arbitration clauses, and NegAm Counseling (Section 36)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o ATR/QM Ability to Repay, aka Minimum Standards for Transactions: for applications on or after 1/10/2014, confirm the loan file contains
documentation to evidence the lender considered and verified the borrower has the ability to repay in accordance with the ATR requirements
This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. Non QM loans will
be reviewed to ensure the lender documented that they considered and verified the 8 underwriting factors as required for ATR compliance.
This review also includes evaluating loans against the new TILA prepayment penalty restrictions (Section 43)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TILA/RESPA Integrated Disclosures ("TRID")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Test whether or not the loan is subject to disclosure on TRID documents, the Loan Estimate ("LE") and Closing Disclosure
("CD")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Pre-application Requirement Testing:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Pre-application forms cannot look similar to the LE

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Pre-application forms must contain the required disclaimer ("Your actual rate, payment, and costs could be higher. Get an official
Loan Estimate before choosing a loan").

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Timing Requirements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The LE was delivered or placed in the mail within 3 business days of the broker or lender receiving an application.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The loan does not consummate (Clayton looks to the later of the note date or notary date) until the later of seven business days after
the LE is delivered or placed in the mail and three business days after the CD (or Corrected CD when a new three-day waiting period is
triggered) is received.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· That a revised LE or CD is provided within three business days of the lender having knowledge of the information that led to the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee Tolerances:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Zero and ten percent tolerance fees are only reset with a valid and timely change of circumstance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· If a credit or refund is made, that it is sufficient to cover Clayton's calculated under-disclosure.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Payment Schedule Accuracy:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The number of columns and timing of changes to payments as well as the mortgage insurance drop-off match Clayton's calculated
payment schedule.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest-only periods and final balloon payments are accurately completed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The total of the principal and interest payment, mortgage insurance and escrow amounts add up correctly.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· When applicable, that the AIR and AP tables are consistent with Clayton's calculations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Accuracy of the Loan Calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Amount Financed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total of Payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total interest percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Technical Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with the TRID rounding rules.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with specified formatting requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with date entry requirements (such as when a field, if not applicable, must be present and left blank).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Alphabetization of fees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Title fees preceded by "Title –."

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Column or similar limits such as four columns for Projected Payments and a maximum of thirteen Origination Charges on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Consistency within and across forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Once a fee is disclosed it must remain substantially the same name across disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Consistency between the Costs at Closing and Calculating Cash to Close tables, for which there is a version for transactions with
a seller and an optional, but not required, version for transactions without a seller. They should be consistent within and across disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Where amounts in a table reference that they are derived from another section of the form, that the amounts match the amount in the
section referenced.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Escrow amounts disclosed in the Projected Payments section tie out to the escrow amounts detailed in the Loan Disclosures section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Completion of the LE and CD

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· All required fields not specifically listed herein are completed or left blank in accordance with TRID rules; creditor information,
contact information, rate lock information, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· For areas where multiple options are provided, such as Assumption, Negative Amortization and Liability after Foreclosure, only one
option is indicated.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· That there is either a signature or a Loan Acceptance statement on the form.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Waivers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Clayton will capture if the borrower waived their waiting period and the sufficiency of the waiver under TRID. However, based on past
experience with clients, Clayton will also issue an exception for the loan closing early.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Corrected CD requiring a new waiting period

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the APR increased or decreased outside of tolerance requiring a new waiting period and whether that waiting period was provided.
For APR decreases Clayton will look to whether the APR decreased due to a reduced finance charge, which will be considered to be within
tolerance.

NRMLT 2025-NQM6 Due Diligence Narrative Report Page \| 16 November 04, 2025

![](ex99-11_003.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the product or a product feature changed which requires a new waiting period and whether that waiting period was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether a prepayment penalty was added requiring a new waiting period and whether that waiting period was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Post-Close CD's

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Corrected CD's provided with a post-close refund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Post-close CD's to correct numerical errors based on events (such as recording) occurring within 30 days of consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Post-close CD's to correct non-numerical clerical errors required within 60 days of consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Related Documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Provision and timing of Your Home Loan Toolkit (first lien, purchase-money loans)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Written List of Providers, when there are items in in the Services You Can Shop For category (can impact fee tolerances)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated Business Disclosure (can impact fee tolerances)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Outside of Clayton's default TRID scope:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the LE in terms of whether fees are within the correct category and loan terms where we would need a Note to verify. More
detailed testing will occur by comparing the final CD to the Note terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the Liability after Foreclosure selection is correct for the property state.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the Aggregate Adjustment amount.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Presence and accuracy of the Seller's Transaction columns of the Summaries of Transactions section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the Contact Information for the lender, broker and settlement agent. Clayton will look for discrepancies across forms,
but is not independently verifying the information.

**C.** **FACTA** - the Credit Score, Key Factors, and Notice to Home Loan Applicant disclosures

**D.** **HMDA** – Whether the loans is Rate Spread threshold reportable.

**<u>STATE, COUNTY and MUNICIPAL LAW</u>**

**A.** **Higher-Priced** 

Clayton test whether a loan meets the thresholds for a higher-priced, rate spread, subprime or nonprime mortgage loan, and whether such loan meets regulatory requirements, in the following states:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Higher-Priced** | &nbsp;&nbsp;**Higher-Priced** | &nbsp;&nbsp;**Higher-Priced** |
| &nbsp;&nbsp;California | &nbsp;&nbsp;Maryland | &nbsp;&nbsp;New York |
| &nbsp;&nbsp;Connecticut | &nbsp;&nbsp;Massachusetts (subprime ARMS to first time homebuyers) | &nbsp;&nbsp;North Carolina |
| &nbsp;&nbsp;Maine | &nbsp;&nbsp;Minnesota |  |

---

NRMLT 2025-NQM6 Due Diligence Narrative Report Page \| 17 November 04, 2025

![](ex99-11_003.jpg)

**B.** **State/Local High Cost** 

Clayton test whether a loan meets the thresholds for a high cost or covered loan in the following states, counties and municipalities, and also tests for compliance with provisions in such laws that apply to all loans subject to high cost testing:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**State/Local High Cost** | &nbsp;&nbsp;**State/Local High Cost** | &nbsp;&nbsp;**State/Local High Cost** |
| &nbsp;&nbsp;Arkansas | &nbsp;&nbsp;Maine | &nbsp;&nbsp;Pennsylvania |
| &nbsp;&nbsp;California | &nbsp;&nbsp;Maryland | &nbsp;&nbsp;Rhode Island, including the Providence ordinance |
| &nbsp;&nbsp;Colorado | &nbsp;&nbsp;Massachusetts | &nbsp;&nbsp;South Carolina |
| &nbsp;&nbsp;Connecticut | &nbsp;&nbsp;Nevada | &nbsp;&nbsp;Tennessee |
| &nbsp;&nbsp;District of Columbia | &nbsp;&nbsp;New Jersey | &nbsp;&nbsp;Texas |
| &nbsp;&nbsp;Florida | &nbsp;&nbsp;New Mexico | &nbsp;&nbsp;Utah |
| &nbsp;&nbsp;Georgia | &nbsp;&nbsp;New York | &nbsp;&nbsp; Vermont<br> (High Rate, High Point law) |
| &nbsp;&nbsp;Illinois, including the Cook County and Chicago ordinances | &nbsp;&nbsp;North Carolina | &nbsp;&nbsp;Wisconsin |
| &nbsp;&nbsp;Indiana | &nbsp;&nbsp; Ohio, including<br> Cleveland Heights ordinance |  |
| &nbsp;&nbsp;Kentucky | &nbsp;&nbsp;Oklahoma |  |

---

**C.** **Anti-Predatory** 

Several states have laws that do not create a separate class of high cost or higher-priced mortgage loans, but set APR or finance charge ceilings and may also set forth similar anti-predatory lending restrictions as found in high cost laws. Clayton tests for compliance with such laws in the following states:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota (Mortgage Originator and Service Licensing Act)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Puerto Rico (Office Regulation 5722)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Texas (Texas Finance Code)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

**D.** **Borrower's Interest** 

Clayton uses a module that reports to the client the factors that the client can weigh to determine whether or not the loan is in the borrower's interest, and also makes a mathematical determination as to whether or not there is at least one benefit. This module is only used in the following states, where the laws or releases by the regulators provide an indication of some standards that can be applied.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Borrower's Interest** | &nbsp;&nbsp;**Borrower's Interest** | &nbsp;&nbsp;**Borrower's Interest** |
| &nbsp;&nbsp;Maine | &nbsp;&nbsp;Ohio | &nbsp;&nbsp;South Carolina |
| &nbsp;&nbsp;Massachusetts | &nbsp;&nbsp;Rhode Island |  |

---

NRMLT 2025-NQM6 Due Diligence Narrative Report Page \| 18 November 04, 2025

**E.** **Consumer Protection** 

Several states have laws that neither create a separate class of high cost or higher-priced mortgage loan, nor impose a ceiling on the overall fees or APR, but nonetheless contain requirements and restrictions on mortgage loans that may impact the assignee or the lien. Clayton tests for compliance with such laws, including late charge and prepayment penalty provisions, in the following states and municipalities:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Consumer Protection** | &nbsp;&nbsp;**Consumer Protection** |
| &nbsp;&nbsp;Alabama (the "Mini-code") | &nbsp;&nbsp;Nebraska (Mortgage Bankers Registration and Licensing Act and the Installment Loan Act) |
| &nbsp;&nbsp;Hawaii (Financial Services Loan Company Act) | &nbsp;&nbsp;Nevada (AB 440 |
| &nbsp;&nbsp;Idaho (Residential Mortgage Practices Act) | &nbsp;&nbsp;Ohio (Consumer Sales Practices Act; whether the loan is in Summit County) |
| &nbsp;&nbsp;Illinois (both versions of the Cook County Predatory Lending Database; Illinois Residential Mortgage Licensing Act) | &nbsp;&nbsp;Texas (Article XVI, Section 50(a)(6) of the Texas Constitution) |
| &nbsp;&nbsp;Iowa (Consumer Credit Code) | &nbsp;&nbsp;Utah (Consumer Credit Code) |
| &nbsp;&nbsp;Kansas (Consumer Credit Code) | &nbsp;&nbsp;Virginia (Mortgage Lender and Broker Act) |
| &nbsp;&nbsp;Kentucky (HB 552) | &nbsp;&nbsp;Washington (Consumer Loan Act and Responsible Mortgage Lending Act) |
| &nbsp;&nbsp;Maryland (DLLR Regulations, Commercial Law) | &nbsp;&nbsp;West Virginia (Consumer Credit Protection Act) |
| &nbsp;&nbsp;Massachusetts (Attorney General regulations) | &nbsp;&nbsp;Wyoming (Residential Mortgage Practices Act) |
| &nbsp;&nbsp;Michigan (Consumer Mortgage Protection Act) |  |

---

See attached Exhibit A - Consumer Protection Laws for additional details on the specific components of the aforementioned Consumer Protection laws that are evaluated as part of the Clayton Compliance Review Scope:

**F.** **Texas Equity** 

In addition to identifying whether Texas refinances are cash out transactions subject to the Texas Constitution Article 16 Section 50(a)(6) requirements, Clayton reviews the title report to confirm prior loans being refinanced are continuous purchase money and not (a)(6) loans. In the event a loan is determined to be a Texas Home Equity loan, the underwriter reviews the loan images to confirm the loan meets the Texas requirements including maximum LTV/CLTV, 3% fee cap, product restrictions and the required disclosures were provided to the borrower in accordance with required timelines.

**<u>GSE Testing</u>**

Clayton can review loans to determine whether they comply with Fannie Mae's and Freddie Mac's Points and Fees threshold tests. These fee limitations of 5% for all loans with application dates prior to 1/10/2014 were reduced to 3% on Primary and Second Homes for applications on or after 1/10/2014. If requested, loans can be reviewed to determine whether the loan is a residential mortgage transaction ineligible for delivery due to its APR or fees exceeding the HOEPA thresholds. Clayton offers Lender Letter and non-traditional mortgage testing for Fannie Mae. (Note: Fannie Mae requires a non-disclosure agreement between the client and Fannie Mae for Clayton to report these results.)

**<u>Disclaimer</u>**

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk. Clayton's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.© 2025 Clayton Services LLC. All rights reserved.

This material is confidential and may not be copied, used, or distributed without the written permission of Clayton Services LLC

NRMLT 2025-NQM6 Due Diligence Narrative Report Page \| 19 November 04, 2025

## Exhibit 99.11

**Exhibit 99.11 Schedule 1**

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Valuations Summary** |  | | | | | | | | | | | |
| *Loans in Report:* | *74* | **Origination Values** | **Automated Valuation Model** | **Desk Review** | **Second Desk Review** | **Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **Other** | **AUS Information** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance %** | **Review Type** | **Value** | **Variance Amount** | **Variance (%)** | **AVM FSD** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Report Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Value** | **Variance Amount** | **Variance (%)** | **CU Score** | **Full Diligence ID** |
| xxx | 110100001765 |  | $xxx | $xxx | $xxx | 12/xx/2024 | $xxx | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% | 0 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 1 | 0EF2E1E1-84B1-450D-8F08-563574AFBC3C |
| xxx | 2000040338 |  | $xxx | $xxx | $xxx | 10/xx/2024 | $xxx | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% | 0 | 10/xx/2024 | $xxx | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 2.6 | E61C6226-FDC6-4423-978C-ACCE02B9B071 |
| xxx | 2000044803 |  | $xxx | $xxx | $xxx | 02/xx/2025 | $xxx | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% | 0 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 1.2 | 20378DA9-CDC9-4F29-B628-6A50B3493215 |
| xxx | 2000045519 |  | $xxx | $xxx | $xxx | 01/xx/2025 | $xxx | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% | 0 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 1 | 66118696-E211-4F3C-962B-D45470A26F2D |
| xxx | 2000046944 |  | $xxx | $xxx | $xxx | 01/xx/2025 | $xxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% | 0 | 01/xx/2025 | $xxx | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | (No Data) | F19328DD-FABD-4CAB-9E7D-1469C4857429 |
| xxx | 2000047493 |  | $xxx | $xxx | $xxx | 04/xx/2025 | $xxx | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% | 0 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 1.7 | 28986405-A0DD-431F-A52D-CBFCB712EA37 |
| xxx | 2000047818 |  | $xxx | $xxx | $xxx | 02/xx/2025 | $xxx | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% | 0 | 02/xx/2025 | $xxx | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 4.4 | D92F605F-6ABC-42C5-AB72-08B40E0A11CE |
| xxx | 2000048098 |  | $xxx | $xxx | $xxx | 02/xx/2025 | $xxx | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% | 0 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 2.1 | 15F82BA9-4B35-4CE3-BAFE-BE8805719B7F |
| xxx | 2000048245 |  | $xxx | $xxx | $xxx | 02/xx/2025 | $xxx | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% | 0 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 1.3 | 405F2DA2-4FEE-463A-9950-95FCFFB25F11 |
| xxx | 2000048521 |  | $xxx | $xxx | $xxx | 02/xx/2025 | $xxx | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% | 0 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 2.3 | 385CC828-F378-4E86-8F4E-60D408D5E3E3 |
| xxx | 2000048711 |  | $xxx | $xxx | $xxx | 02/xx/2025 | $xxx | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% | 0 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 1.2 | 2313EE26-8EC2-4970-86CC-1912C23E666B |
| xxx | 2000048739 |  | $xxx | $xxx | $xxx | 02/xx/2025 | $xxx | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% | 0 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 2.2 | A2CE3483-A189-484F-964B-117FC9D024B3 |
| xxx | 2000049061 |  | $xxx | $xxx | $xxx | 12/xx/2024 | $xxx | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% | 0 | 02/xx/2025 | $xxx | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 4.4 | 4AAEA97A-4FB9-4003-A785-90223C42707D |
| xxx | 2000049301 |  | $xxx | $xxx | $xxx | 02/xx/2025 | $xxx | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% | 0 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 1.3 | 0B554209-28CF-416A-9509-CE36421AF8AF |
| xxx | 2000049466 |  | $xxx | $xxx | $xxx | 01/xx/2025 | $xxx | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% | 0 | 02/xx/2025 | $xxx | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 2.8 | F3C6CBC6-303B-4211-B7F5-EE96C0E32D09 |
| xxx | 2000050482 |  | $xxx | $xxx | $xxx | 05/xx/2025 | $xxx | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% | 0 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 2.3 | DA466C02-33CB-4763-9E2F-7659DC177232 |
| xxx | 2000050664 |  | $xxx | $xxx | $xxx | 03/xx/2025 | $xxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% | 0 | 03/xx/2025 | $xxx | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | (No Data) | C707B4C9-2789-4487-94E2-4E529EEBFE74 |
| xxx | 2000050826 |  | $xxx | $xxx | $xxx | 03/xx/2025 | $xxx | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% | 0 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 1.1 | 498A3EEF-214E-4168-89C0-E34EED28FE54 |
| xxx | 2000051334 |  | $xxx | $xxx | $xxx | 02/xx/2025 | $xxx | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable | $0.00 | $0.00 | 0.00% | 0 | 05/xx/2025 | $xxx | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 2.7 | A461A612-B481-413E-836B-ED7D9A384640 |
| xxx | 2000051807 |  | $xxx | $xxx | $xxx | 04/xx/2025 | $xxx | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% | 0 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 1.8 | 3C886DA6-0FD3-42A9-9C18-DD59BE241E99 |
| xxx | 2000051823 |  | $xxx | $xxx | $xxx | 12/xx/2024 | $xxx | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable | $0.00 | $0.00 | 0.00% | 0 | 04/xx/2025 | $xxx | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 4.5 | 4B6768B6-B71B-454A-AE01-BE9F7BF0E7FF |
| xxx | 2000051983 |  | $xxx | $xxx | $xxx | 04/xx/2025 | $xxx | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% | 0 | 04/xx/2025 | $xxx | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 2.6 | 56555FBF-13E3-4EC0-BD30-39E5EE08E1A7 |
| xxx | 2000052090 |  | $xxx | $xxx | $xxx | 04/xx/2025 | $xxx | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% | 0 | 04/xx/2025 | $xxx | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 4.8 | B618555B-02B1-4E48-9DC6-0E795B937563 |
| xxx | 2000052289 |  | $xxx | $xxx | $xxx | 05/xx/2025 | $xxx | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable | $0.00 | $0.00 | 0.00% | 0 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 2.2 | 89CB3EC9-4C4B-4B20-BD85-F7466DA3C755 |
| xxx | 2000052431 |  | $xxx | $xxx | $xxx | 04/xx/2025 | $xxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% | 0 | 04/xx/2025 | $xxx | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | (No Data) | CC0AAAA4-B91B-40B9-B0BF-68E3394B331A |
| xxx | 2000052468 |  | $xxx | $xxx | $xxx | 04/xx/2025 | $xxx | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% | 0 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 2.1 | E0B4A69C-00C6-4D41-A8F8-76AD1CDB3674 |
| xxx | 2000052605 |  | $xxx | $xxx | $xxx | 04/xx/2025 | $xxx | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% | 0 | 05/xx/2025 | $xxx | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 4.2 | ECA819AA-EFE2-4FFD-B9FC-67AA114BFD96 |
| xxx | 2000052611 |  | $xxx | $xxx | $xxx | 04/xx/2025 | $xxx | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% | 0 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 1.4 | 7EC1B294-89D6-4B88-A63E-1A986D7A7215 |
| xxx | 2000052642 |  | $xxx | $xxx | $xxx | 04/xx/2025 | $xxx | 1073 Condo (Mar 05) |  |  | 04/xx/2025 | $xxx | 0 | 0.00% | Full Appraisal | $0.00 | $0.00 | 0.00% | 0 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 1 | 2AB18B33-DB48-42F5-9C71-D6BD0B62383A |
| xxx | 2000052652 |  | $xxx | $xxx | $xxx | 04/xx/2025 | $xxx | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% | 0 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 1.1 | 343B8C19-E232-4C42-AE15-6C442E2323FB |
| xxx | 2000052692 |  | $xxx | $xxx | $xxx | 05/xx/2025 | $xxx | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% | 0 | 05/xx/2025 | $xxx | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 3.4 | 7B6E9E50-304A-4275-AC9E-E303A8DAE48E |
| xxx | 2000052811 |  | $xxx | $xxx | $xxx | 04/xx/2025 | $xxx | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% | 0 | 04/xx/2025 | $xxx | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 2.6 | 308AFBDE-15C8-42BF-AB7C-AAB3BA839862 |
| xxx | 2000052816 |  | $xxx | $xxx | $xxx | 04/xx/2025 | $xxx | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% | 0 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 2.1 | D901937B-7041-4FF2-9F8A-E026D147CD26 |
| xxx | 2000052984 |  | $xxx | $xxx | $xxx | 04/xx/2025 | $xxx | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% | 0 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 1.2 | 36E9EF5E-739F-41BC-BD36-AB6392ED4260 |
| xxx | 2000053109 |  | $xxx | $xxx | $xxx | 02/xx/2025 | $xxx | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% | 0 | 05/xx/2025 | $xxx | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | (No Data) | 2ECE0482-AF64-48FD-A174-59B6DDDE489A |
| xxx | 2000053118 |  | $xxx | $xxx | $xxx | 05/xx/2025 | $xxx | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% | 0 | 05/xx/2025 | $xxx | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | (No Data) | 7953C902-6D85-4EAF-A304-0D2317871609 |
| xxx | 2000053148 |  | $xxx | $xxx | $xxx | 04/xx/2025 | $xxx | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% | 0 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 2.5 | 9DF64677-CC4C-40D3-B79C-16380554FFCB |
| xxx | 2000053157 |  | $xxx | $xxx | $xxx | 03/xx/2025 | $xxx | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% | 0 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 1.1 | EE438AFF-4AAE-44A9-8D97-05C847014EF3 |
| xxx | 2000053246 |  | $xxx | $xxx | $xxx | 04/xx/2025 | $xxx | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% | 0 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 1 | 5F3AC2AD-1F21-4694-BDC2-3217A3F954EE |
| xxx | 2000053287 |  | $xxx | $xxx | $xxx | 04/xx/2025 | $xxx | 1025 Multi-Fam (Mar 05) |  |  | 05/xx/2025 | $xxx | 0 | 0.00% | Field Review | $0.00 | $0.00 | 0.00% | 0 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | 05/xx/2025 | $xxx | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | (No Data) | 58FB8186-B934-4A5E-BDD1-0A6FB3B105FF |
| xxx | 2000053400 |  | $xxx | $xxx | $xxx | 03/xx/2025 | $xxx | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% | 0 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | 03/xx/2025 | $xxx | $xxxx | -17.36% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 2.7 | 565CEC2A-F83A-46A4-8D9D-A3C753D8971E |
| xxx | 2000053766 |  | $xxx | $xxx | $xxx | 05/xx/2025 | $xxx | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable | $0.00 | $0.00 | 0.00% | 0 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 1 | 999CE31D-E3A1-405B-857D-46D9504361DE |
| xxx | 2000053888 |  | $xxx | $xxx | $xxx | 05/xx/2025 | $xxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable | $0.00 | $0.00 | 0.00% | 0 | 05/xx/2025 | $xxx | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | (No Data) | 146EFB1F-6050-4E90-8777-0E5C695CA855 |
| xxx | 2000054103 |  | $xxx | $xxx | $xxx | 05/xx/2025 | $xxx | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% | 0 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 1 | 9BB66E54-637C-465A-A2B8-2F658471034F |
| xxx | 2000054105 |  | $xxx | $xxx | $xxx | 05/xx/2025 | $xxx | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% | 0 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 1 | D8D1440F-D7B9-44C1-8D1A-AFADBE313B3C |
| xxx | 2000054178 |  | $xxx | $xxx | $xxx | 05/xx/2025 | $xxx | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% | 0 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 1 | 40C75DEF-F7E7-482D-8FA5-29916BC70676 |
| xxx | 2000054353 |  | $xxx | $xxx | $xxx | 05/xx/2025 | $xxx | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% | 0 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 1 | A0013BAB-D5B7-4D8F-BC4B-9D2523F19B81 |
| xxx | 2000054355 |  | $xxx | $xxx | $xxx | 05/xx/2025 | $xxx | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% | 0 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 1 | 1793ABB4-1906-4B30-995B-D4248D1B121D |
| xxx | 2000054361 |  | $xxx | $xxx | $xxx | 05/xx/2025 | $xxx | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% | 0 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 1.2 | FA30C9FE-77C0-47C1-84D7-DF8EE3579D2B |
| xxx | 2000054552 |  | $xxx | $xxx | $xxx | 04/xx/2025 | $xxx | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | $0.00 | $0.00 | 0.00% | 0 | 05/xx/2025 | $xxx | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | (No Data) | FBEFB6CB-8998-4379-B32E-4D29C2F4775F |

---

## Exhibit 99.11

**Exhibit 99.11 Schedule 2**

**ATR QM Upload**

<br> *Loans in Report:* *74*

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 |
| ASF Loan Number | **Loan Number** | **Deal** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Verification Safe Harbor (VSH)?** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Occupancy** | **Property Type** | **Number of Units** | **Loan Type** | **Exempt Loan Product Type** | **Exempt Loan Housing Agency** | **Community Housing Development** | **Credit Under Economic Stabilization Act Of 2008** | **Refinance Of Non-Standard Mortgage** | **Higher Priced Covered Transaction** | **State Prepay Exceptions** | **Loan Purpose** | **Loan Term Exceeds 30 Years** | **Interest Only Feature** | **Negative Amortization** | **Balloon Payment** | **Prepay Penalty Flag** | **Prepayment Penalty Type** | **Prohibited Prepayment Penalty** | **Exceeds Points And Fees** | **Exceeds DTI Limit** | **Lien Position** | **APR** | **QM Calculated DTI Adherence** | **QM Lenders DTI Adherence** | **QM Fee Adherence - Total Charges %** | **QM Fee Adherence - Lenders Fee %** | **Fannie Mae Eligible** | **Freddie Mac Eligible** | **VA Guaranty Eligible** | **FHA Insured Eligible** | **USDA Guarantee Eligible** | **Rural Housing Service Insured Eligible** | **QM - Expected Income Or Assets For DTI** | **QM - Current Employment Status For DTI** | **QM - Monthly Payment On Subject Loan For DTI** | **QM - Monthly Payment On Additional Loan For DTI** | **QM - Monthly Payment Mortgage Related Obligations** | **QM - Current Debt Obligations Alimony and Child Support for DTI** | **QM - Monthly DTI Ratio Or Residual Income** | **One or more Verification Safe Harbor Guidelines used?** | **Current/Reasonably Expected Income or Assets per Guideline used?** | **Current Debt Obligations, Alimony & Child Support per Guideline used?** | **Monthly DTI (includes monthly payment on subject loan and simultaneous loans)** | **Monthly Residual Income per guideline used?** | **Compensating Factors used for QM determination documented before closing?** | **ATR - Guidelines Provided to Document Approach** | **ATR - Current And Expected Income And Assets** | **ATR - Current Employment Status** | **ATR - Mortgage Payment Obligation** | **ATR - Mortgage Payment on Simultaneous Transaction** | **ATR - Payment For Mortgage Related Obligations** | **ATR - Debt Obligations Including Alimony and Child Support** | **ATR - Monthly DTI Ratio or Residual Income** | **ATR - Consumer Credit History** | **ATR Lenders - DTI (Back)** | **ATR Calculated DTI (Back)** | **QM Lender Value DTI (Back)** | **QM Calculated DTI (Back)** | **Initial DTI (Back)** | **DTI Qualifying (Back)** | **Residual Income Analysis in File** | **Residual Income Guidelines** | **Did Loan Meet Guidelines** | **Residual Income Amount** | **Asset Depletion** | **Asset Depletion Months Amortized** | **Asset Utilization** | **Partial Asset Depletion** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 2 Personal Guaranty Recourse to Borrower** | **Borrower 3 Guarantor Flag** | **Borrower 3 Personal Guaranty Recourse to Borrower** | **Borrower 4 Guarantor Flag** | **Borrower 4 Personal Guaranty Recourse to Borrower** | **Borrower 1 Paystub Flag** | **Borrower 1 Paystub Number of Months** | **Borrower 2 Paystub Flag** | **Borrower 2 Paystub Number of Months** | **Borrower 3 Paystub Flag** | **Borrower 3 Paystub Number of Months** | **Borrower 4 Paystub Flag** | **Borrower 4 Paystub Number of Months** | **Borrower 1 W2 Flag** | **Borrower 1 W2 Number of Months** | **Borrower 2 W2 Flag** | **Borrower 2 W2 Number of Months** | **Borrower 3 W2 Flag** | **Borrower 3 W2 Number of Months** | **Borrower 4 W2 Flag** | **Borrower 4 W2 Number of Months** | **Borrower 1 Personal Tax Return Flag** | **Borrower 1 Personal Tax Return Number of Months** | **Borrower 2 Personal Tax Return Flag** | **Borrower 2 Personal Tax Return Number of Months** | **Borrower 3 Personal Tax Return Flag** | **Borrower 3 Personal Tax Return Number of Months** | **Borrower 4 Personal Tax Return Flag** | **Borrower 4 Personal Tax Return Number of Months** | **Borrower 1 Business Tax Return Flag** | **Borrower 1 Business Tax Return Number of Months** | **Borrower 2 Business Tax Return Flag** | **Borrower 2 Business Tax Return Number of Months** | **Borrower 3 Business Tax Return Flag** | **Borrower 3 Business Tax Return Number of Months** | **Borrower 4 Business Tax Return Flag** | **Borrower 4 Business Tax Return Number of Months** | **Borrower 1 Verbal VOE Flag** | **Borrower 1 Verbal VOE Number of Months** | **Borrower 2 Verbal VOE Flag** | **Borrower 2 Verbal VOE Number of Months** | **Borrower 3 Verbal VOE Flag** | **Borrower 3 Verbal VOE Number of Months** | **Borrower 4 Verbal VOE Flag** | **Borrower 4 Verbal VOE Number of Months** | **Borrower 1 Written VOE Flag** | **Borrower 1 Written VOE Form** | **Borrower 1 Written VOE Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Form** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Form** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Form** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Prepared By** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Prepared By** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Prepared By** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **Borrower 4 P&L Prepared By** | **Borrower 4 P&L Number of Months** | **Borrower 1 Lease Agreement Flag** | **Borrower 1 Lease Agreement Number of Months** | **Borrower 2 Lease Agreement Flag** | **Borrower 2 Lease Agreement Number of Months** | **Borrower 3 Lease Agreement Flag** | **Borrower 3 Lease Agreement Number of Months** | **Borrower 4 Lease Agreement Flag** | **Borrower 4 Lease Agreement Number of Months** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **Cross Collateralized Loan?** | **Is the Loan a Short-Term Rental?** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **DSCR Method Used** | **Borrower 1 CPA Letter with Income Flag** | **Borrower 1 CPA Letter with Income Number of Months** | **Borrower 1 CPA Letter without Income Flag** | **Borrower 1 CPA Letter without Income Number of Months** | **Borrower 2 CPA Letter with Income Flag** | **Borrower 2 CPA Letter with Income Number of Months** | **Borrower 2 CPA Letter without Income Flag** | **Borrower 2 CPA Letter without Income Number of Months** | **Borrower 3 CPA Letter with Income Flag** | **Borrower 3 CPA Letter with Income Number of Months** | **Borrower 3 CPA Letter without Income Flag** | **Borrower 3 CPA Letter without Income Number of Months** | **Borrower 4 CPA Letter with Income Flag** | **Borrower 4 CPA Letter with Income Number of Months** | **Borrower 4 CPA Letter without Income Flag** | **Borrower 4 CPA Letter without Income Number of Months** | **Borrower 1 Personal Bank Statements Flag** | **Borrower 1 Personal Bank Statements Number of Months** | **Borrower 2 Personal Bank Statements Flag** | **Borrower 2 Personal Bank Statements Number of Months** | **Borrower 3 Personal Bank Statements Flag** | **Borrower 3 Personal Bank Statements Number of Months** | **Borrower 4 Personal Bank Statements Flag** | **Borrower 4 Personal Bank Statements Number of Months** | **Borrower 1 Business Bank Statements Flag** | **Borrower 1 Business Bank Statements Number of Months** | **Borrower 2 Business Bank Statements Flag** | **Borrower 2 Business Bank Statements Number of Months** | **Borrower 3 Business Bank Statements Flag** | **Borrower 3 Business Bank Statements Number of Months** | **Borrower 4 Business Bank Statements Flag** | **Borrower 4 Business Bank Statements Number of Months** | **Borrower 1 Award Letter Flag** | **Borrower 1 Award Letter Number of Months** | **Borrower 2 Award Letter Flag** | **Borrower 2 Award Letter Number of Months** | **Borrower 3 Award Letter Flag** | **Borrower 3 Award Letter Number of Months** | **Borrower 4 Award Letter Flag** | **Borrower 4 Award Letter Number of Months** | **Borrower 1 Offer Letter Flag** | **Borrower 1 Offer Letter Number of Months** | **Borrower 2 Offer Letter Flag** | **Borrower 2 Offer Letter Number of Months** | **Borrower 3 Offer Letter Flag** | **Borrower 3 Offer Letter Number of Months** | **Borrower 4 Offer Letter Flag** | **Borrower 4 Offer Letter Number of Months** | **Borrower 1 IRS Transcripts - Tax Returns Flag** | **Borrower 1 IRS Transcripts - Tax Returns Number of Months** | **Borrower 1 IRS Transcripts - W2s Flag** | **Borrower 1 IRS Transcripts - W2s Number of Months** | **Borrower 2 IRS Transcripts - Tax Returns Flag** | **Borrower 2 IRS Transcripts - Tax Returns Number of Months** | **Borrower 2 IRS Transcripts - W2s Flag** | **Borrower 2 IRS Transcripts - W2s Number of Months** | **Borrower 3 IRS Transcripts - Tax Returns Flag** | **Borrower 3 IRS Transcripts - Tax Returns Number of Months** | **Borrower 3 IRS Transcripts - W2s Flag** | **Borrower 3 IRS Transcripts - W2s Number of Months** | **Borrower 4 IRS Transcripts - Tax Returns Flag** | **Borrower 4 IRS Transcripts - Tax Returns Number of Months** | **Borrower 4 IRS Transcripts - W2s Flag** | **Borrower 4 IRS Transcripts - W2s Number of Months** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** | **BK Chapter** | **BK Filing Date** | **Months Since Filing Date** | **BK Discharge Date** | **Months Since Discharge Date** | **Ever in F/C?** | **F/C Last Proceeding Date** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 4 Documentation Used to Determine Legal Residency** | **Full Diligence ID** |
| xxx | 110100001765 | xxx | (No Data) | xxx | CA | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | 12/xx/2024 | U.S. Citizen | (No Data) | (No Data) | Primary | Mid Rise Condo (5-8) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.2062 | Yes | Yes | 2.862 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 25.85 | 25.18 | 25.18 | 25.18 | 25.18 | 25.18 | No | No | (No Data) | xxx | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 6 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Tax Return - 6 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0EF2E1E1-84B1-450D-8F08-563574AFBC3C |
| xxx | 2000040338 | xxx | (No Data) | xxx | CT | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | 10/xx/2024 | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.3689 | Yes | Yes | 3.733 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 34.22 | 32.31 | 34.22 | 32.31 | 32.31 | 32.31 | No | No | (No Data) | xxx | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 84 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | Employment Authorization Document | (No Data) | (No Data) | (No Data) | E61C6226-FDC6-4423-978C-ACCE02B9B071 |
| xxx | 2000044803 | xxx | (No Data) | xxx | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 11/xx/2024 | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | xxx | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | xxx | No | (No Data) | 1.2419 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 20378DA9-CDC9-4F29-B628-6A50B3493215 |
| xxx | 2000045519 | xxx | (No Data) | xxx | CA | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | 12/xx/2024 | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7624 | No | No | 2.311 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.86 | 46.69 | 46.69 | 46.69 | 46.69 | 46.69 | No | No | (No Data) | xxx | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 82 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 82 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 66118696-E211-4F3C-962B-D45470A26F2D |
| xxx | 2000046944 | xxx | (No Data) | xxx | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 01/xx/2025 | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | xxx | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | xxx | No | (No Data) | 1.1848 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | F19328DD-FABD-4CAB-9E7D-1469C4857429 |
| xxx | 2000047493 | xxx | (No Data) | xxx | FL | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | 04/xx/2025 | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.9181 | Yes | Yes | 3.647 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 16.26 | 16.26 | 16.26 | 16.26 | 16.26 | 16.26 | No | No | (No Data) | xxx | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 28986405-A0DD-431F-A52D-CBFCB712EA37 |
| xxx | 2000047818 | xxx | (No Data) | xxx | UT | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | 01/xx/2025 | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.5637 | Yes | Yes | 0.605 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.28 | 34.28 | 34.28 | 34.28 | 34.28 | 34.28 | No | No | (No Data) | xxx | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | D92F605F-6ABC-42C5-AB72-08B40E0A11CE |
| xxx | 2000048098 | xxx | (No Data) | xxx | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 02/xx/2025 | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | xxx | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | xxx | No | (No Data) | 1.5395 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 15F82BA9-4B35-4CE3-BAFE-BE8805719B7F |
| xxx | 2000048245 | xxx | (No Data) | xxx | HI | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | 02/xx/2025 | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.0983 | Yes | Yes | 3.752 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 34.93 | 34.93 | 34.93 | 34.93 | 34.93 | 34.93 | No | No | (No Data) | xxx | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 405F2DA2-4FEE-463A-9950-95FCFFB25F11 |
| xxx | 2000048521 | xxx | (No Data) | xxx | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 01/xx/2025 | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | xxx | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | xxx | No | (No Data) | 1.6364 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 385CC828-F378-4E86-8F4E-60D408D5E3E3 |
| xxx | 2000048711 | xxx | (No Data) | xxx | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 02/xx/2025 | U.S. Citizen | (No Data) | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | xxx | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | xxx | No | (No Data) | 1.2067 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 2313EE26-8EC2-4970-86CC-1912C23E666B |
| xxx | 2000048739 | xxx | (No Data) | xxx | AL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 02/xx/2025 | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | xxx | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | xxx | No | (No Data) | 1.1817 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | A2CE3483-A189-484F-964B-117FC9D024B3 |
| xxx | 2000049061 | xxx | (No Data) | xxx | TX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | 02/xx/2025 | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9750 | Yes | Yes | 2.224 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 25.03 | 25.03 | 25.03 | 25.03 | 25.03 | 25.03 | No | No | (No Data) | xxx | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 4AAEA97A-4FB9-4003-A785-90223C42707D |
| xxx | 2000049301 | xxx | (No Data) | xxx | NC | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | 02/xx/2025 | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.2033 | Yes | Yes | 3.319 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 10.06 | 10.06 | 10.06 | 10.06 | 10.06 | 10.06 | No | No | (No Data) | xxx | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0B554209-28CF-416A-9509-CE36421AF8AF |
| xxx | 2000049466 | xxx | (No Data) | xxx | AZ | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 02/xx/2025 | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | xxx | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | xxx | No | (No Data) | 1.0456 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | F3C6CBC6-303B-4211-B7F5-EE96C0E32D09 |
| xxx | 2000050482 | xxx | (No Data) | xxx | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 03/xx/2025 | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | xxx | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | xxx | No | (No Data) | 0.7996 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | DA466C02-33CB-4763-9E2F-7659DC177232 |
| xxx | 2000050664 | xxx | (No Data) | xxx | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 03/xx/2025 | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | xxx | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | xxx | No | (No Data) | 1.5917 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | C707B4C9-2789-4487-94E2-4E529EEBFE74 |
| xxx | 2000050826 | xxx | (No Data) | xxx | CO | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 03/xx/2025 | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | xxx | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | xxx | No | (No Data) | 1.8349 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 498A3EEF-214E-4168-89C0-E34EED28FE54 |
| xxx | 2000051334 | xxx | (No Data) | xxx | UT | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | 04/xx/2025 | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9982 | No | No | 1.221 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.38 | 44.38 | 44.38 | 44.38 | 44.38 | 44.38 | No | No | (No Data) | xxx | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | Business Bank Statements - 12 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | A461A612-B481-413E-836B-ED7D9A384640 |
| xxx | 2000051807 | xxx | (No Data) | xxx | VA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 03/xx/2025 | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | xxx | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | xxx | No | (No Data) | 1.1530 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 3C886DA6-0FD3-42A9-9C18-DD59BE241E99 |
| xxx | 2000051823 | xxx | (No Data) | xxx | TN | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 03/xx/2025 | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | xxx | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | xxx | No | (No Data) | 0.7555 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 4B6768B6-B71B-454A-AE01-BE9F7BF0E7FF |
| xxx | 2000051983 | xxx | (No Data) | xxx | UT | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | 04/xx/2025 | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0015 | Yes | Yes | 2.403 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 6.43 | 6.33 | 6.43 | 6.33 | 6.33 | 6.33 | Yes | Yes | Yes | xxx | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 56555FBF-13E3-4EC0-BD30-39E5EE08E1A7 |
| xxx | 2000052090 | xxx | (No Data) | xxx | CA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | 03/xx/2025 | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | Yes | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.7388 | No | No | 2.51 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.15 | 52.68 | 49.15 | 50.14 | 50.14 | 51.18 | No | No | (No Data) | xxx | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 27 | Yes | xxx | 27 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 27 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 27 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | B618555B-02B1-4E48-9DC6-0E795B937563 |
| xxx | 2000052289 | xxx | (No Data) | xxx | CA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | 04/xx/2025 | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.3885 | No | No | 3.997 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.49 | 49.64 | 49.49 | 49.64 | 49.64 | 49.64 | Yes | Yes | Yes | xxx | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 4 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 4 months;<br> W2 - 12 months;<br> Written VOE - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 89CB3EC9-4C4B-4B20-BD85-F7466DA3C755 |
| xxx | 2000052431 | xxx | (No Data) | xxx | SC | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 04/xx/2025 | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | xxx | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | xxx | No | (No Data) | 1.5706 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | CC0AAAA4-B91B-40B9-B0BF-68E3394B331A |
| xxx | 2000052468 | xxx | (No Data) | xxx | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 04/xx/2025 | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | xxx | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | xxx | No | (No Data) | 0.9780 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | E0B4A69C-00C6-4D41-A8F8-76AD1CDB3674 |
| xxx | 2000052605 | xxx | (No Data) | xxx | IN | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 04/xx/2025 | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | xxx | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | xxx | No | (No Data) | 1.1680 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | ECA819AA-EFE2-4FFD-B9FC-67AA114BFD96 |
| xxx | 2000052611 | xxx | (No Data) | xxx | GA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 04/xx/2025 | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | xxx | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | xxx | No | (No Data) | 1.3438 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 7EC1B294-89D6-4B88-A63E-1A986D7A7215 |
| xxx | 2000052642 | xxx | (No Data) | xxx | HI | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 04/xx/2025 | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9990 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | xxx | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | xxx | No | (No Data) | 1.3475 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 2AB18B33-DB48-42F5-9C71-D6BD0B62383A |
| xxx | 2000052652 | xxx | (No Data) | xxx | GA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 04/xx/2025 | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5001 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | xxx | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | xxx | No | (No Data) | 1.0001 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 343B8C19-E232-4C42-AE15-6C442E2323FB |
| xxx | 2000052692 | xxx | (No Data) | xxx | AL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 04/xx/2025 | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | xxx | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | xxx | No | (No Data) | 1.3085 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 7B6E9E50-304A-4275-AC9E-E303A8DAE48E |
| xxx | 2000052811 | xxx | (No Data) | xxx | CA | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | 04/xx/2025 | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.4614 | Yes | Yes | 0.637 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40 | 40 | 40 | 40 | 40 | 40 | Yes | Yes | Yes | xxx | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | xxx | 27 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 27 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 308AFBDE-15C8-42BF-AB7C-AAB3BA839862 |
| xxx | 2000052816 | xxx | (No Data) | xxx | NM | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 04/xx/2025 | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | xxx | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | xxx | No | (No Data) | 1.3688 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | D901937B-7041-4FF2-9F8A-E026D147CD26 |
| xxx | 2000052984 | xxx | (No Data) | xxx | VA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 04/xx/2025 | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | xxx | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | xxx | No | (No Data) | 1.4193 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 36E9EF5E-739F-41BC-BD36-AB6392ED4260 |
| xxx | 2000053109 | xxx | (No Data) | xxx | LA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 04/xx/2025 | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | xxx | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | xxx | No | (No Data) | 1.1750 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 2ECE0482-AF64-48FD-A174-59B6DDDE489A |
| xxx | 2000053118 | xxx | (No Data) | xxx | OH | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | 04/xx/2025 | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.5546 | No | No | 4.953 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 45.92 | 45.92 | 45.92 | 45.92 | 45.92 | 45.92 | No | No | (No Data) | xxx | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 7953C902-6D85-4EAF-A304-0D2317871609 |
| xxx | 2000053148 | xxx | (No Data) | xxx | CO | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | 04/xx/2025 | U.S. Citizen | (No Data) | (No Data) | Primary | SFR-Attached | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.3608 | No | Yes | 3.566 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | xxx | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 9DF64677-CC4C-40D3-B79C-16380554FFCB |
| xxx | 2000053157 | xxx | (No Data) | xxx | WA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 04/xx/2025 | Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | xxx | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | xxx | No | (No Data) | 1.1644 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | Green Card | (No Data) | (No Data) | (No Data) | EE438AFF-4AAE-44A9-8D97-05C847014EF3 |
| xxx | 2000053246 | xxx | (No Data) | xxx | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 04/xx/2025 | Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | xxx | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | xxx | No | (No Data) | 1.7556 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | Green Card | (No Data) | (No Data) | (No Data) | 5F3AC2AD-1F21-4694-BDC2-3217A3F954EE |
| xxx | 2000053287 | xxx | (No Data) | xxx | WI | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 04/xx/2025 | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | xxx | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | xxx | No | (No Data) | 2.1254 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 58FB8186-B934-4A5E-BDD1-0A6FB3B105FF |
| xxx | 2000053400 | xxx | (No Data) | xxx | WA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 04/xx/2025 | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5001 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | xxx | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | xxx | No | (No Data) | 1.6207 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 565CEC2A-F83A-46A4-8D9D-A3C753D8971E |
| xxx | 2000053766 | xxx | (No Data) | xxx | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 04/xx/2025 | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5001 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | xxx | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | xxx | No | (No Data) | 1.8019 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 999CE31D-E3A1-405B-857D-46D9504361DE |
| xxx | 2000053888 | xxx | (No Data) | xxx | MN | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 04/xx/2025 | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.8750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | xxx | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | xxx | No | (No Data) | 1.0753 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 146EFB1F-6050-4E90-8777-0E5C695CA855 |
| xxx | 2000054103 | xxx | (No Data) | xxx | DC | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 04/xx/2025 | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 2 mos interest of OPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 7.3750 | No | No | 0.983 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | xxx | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | xxx | No | (No Data) | 1.0013 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 9BB66E54-637C-465A-A2B8-2F658471034F |
| xxx | 2000054105 | xxx | (No Data) | xxx | OR | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 04/xx/2025 | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | xxx | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | xxx | No | (No Data) | 2.2413 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | D8D1440F-D7B9-44C1-8D1A-AFADBE313B3C |
| xxx | 2000054178 | xxx | (No Data) | xxx | TX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | 05/xx/2025 | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.7883 | Yes | Yes | 2.467 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.44 | 38.44 | 38.44 | 38.44 | 38.44 | 38.44 | No | No | (No Data) | xxx | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 40C75DEF-F7E7-482D-8FA5-29916BC70676 |
| xxx | 2000054353 | xxx | (No Data) | xxx | UT | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 05/xx/2025 | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | xxx | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | xxx | No | (No Data) | 1.1712 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | A0013BAB-D5B7-4D8F-BC4B-9D2523F19B81 |
| xxx | 2000054355 | xxx | (No Data) | xxx | WA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 05/xx/2025 | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | xxx | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | xxx | No | (No Data) | 0.7733 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1793ABB4-1906-4B30-995B-D4248D1B121D |
| xxx | 2000054361 | xxx | (No Data) | xxx | MD | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 05/xx/2025 | (No Data) | U.S. Citizen | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 2 mos interest on amt prepd in 12 mos >1/3 of OPB | (No Data) | No | Yes | 1 | 7.5000 | No | No | 0.833 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | xxx | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | xxx | No | (No Data) | 1.4075 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | FA30C9FE-77C0-47C1-84D7-DF8EE3579D2B |
| xxx | 2000054552 | xxx | (No Data) | xxx | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 05/xx/2025 | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 46.62 | 0 | 46.62 | 46.62 | 46.62 | (No Data) | (No Data) | (No Data) | xxx | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | FBEFB6CB-8998-4379-B32E-4D29C2F4775F |

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## Exhibit 99.11

**Exhibit 99.11 Schedule 3**

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| | |
|:---|:---|
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *74* |
| ***Loans with Conditions:*** | *43* |

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| ASF Loan Number | **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **ConditionSub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **F** | **Full Diligence ID** |
| xxx | 110100001765 | xxx | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Property Valuations | FEMA | Satisfied C A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | No property inspection since FEMA XX Wildfires and Straight-Line Winds declared 1-XX-25. PDI ordered pending arrival. | 1.22.25 - PDI received. No damages noted. | 1.22.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: 795 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: 278 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: 381.19 months of reserves in file. | 0EF2E1E1-84B1-450D-8F08-563574AFBC3C |
| xxx | 2000040338 | xxx | CT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Median FICO >110 points above guideline minimum.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower self employed for 7+ years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post closing reserves $38,187.54 meets 6 months reserves of $6,328.27 x 6 = $37,969.62. | E61C6226-FDC6-4423-978C-ACCE02B9B071 |
| xxx | 2000044803 | xxx | TX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Insurance | Satisfied D A | CRDINSR865 | Missing proof of flood insurance in File | No | Missing evidence of flood insurance to verify coverage and premium. | 3.7.25 Flood insurance policy has been uploaded, 3.7.25 exception satisfied | 3.7.25 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: 57.78% LTV; max 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $31794.19 reserves from cash out; $0 reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: 768 qual score; min 620. | 20378DA9-CDC9-4F29-B628-6A50B3493215 |
| xxx | 2000045519 | xxx | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: 15 years employed with xxx.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: 18.4 months of reserves in file.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: 744 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: 62 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: 25 months of 0x30 mortgage history per CBR.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: 73% LTV per review; 80% LTV is maximum allowed per guidelines. | 66118696-E211-4F3C-962B-D45470A26F2D |
| xxx | 2000046944 | xxx | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL2420 | Missing HUD-1 (Final and Estimated) | No | Missing HUD-1 Estimated and Final. | 3.7.25 Final settlement statement has been uploaded3.7.25 exception satisfied | 3.7.25 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Maximum LTV 80%, Current LTV 70%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: 12 Month payment history required, credit reports over 76 months<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower has no history of late payments in the last 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets: 217,439.67 or 38.45 months reserves | F19328DD-FABD-4CAB-9E7D-1469C4857429 |
| xxx | 2000047493 | xxx | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Insurance | Satisfied D A | CRDINSR865 | Missing proof of flood insurance in File | No | Missing Flood Dec Page | 5.29.25 Flood policy has been provided, 5.29.25 exception satisfied | 5.29.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: 8 Months Reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Previous Mortgage Exceeds Guidelines<br>CFCFS2854: Significant time in profession<br> - xxx Comments: 20+ Years in Profession | 28986405-A0DD-431F-A52D-CBFCB712EA37 |
| xxx | 2000047818 | xxx | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide confirmation of receipt for LE 2/XX/25 and initial CD 2/XX/25. | 3.10.25-Client provided proof of receipt via email of CD issued 2/19 & LE issued 2/18, on dates issued. Satisfied. | 3.10.25-Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $476,579.45 or 37.36 months PITI reserves; guidelines require 6 months reserves.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has 30 years in the same profession<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: 768 credit score; 660 minimum required score | D92F605F-6ABC-42C5-AB72-08B40E0A11CE |
| xxx | 2000047818 | xxx | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide confirmation of receipt for LE 2/XX/25 and initial CD 2/XX/25. | 3.10.25-Client provided proof of receipt via email of CD issued 2/19 & LE issued 2/18, on dates issued. Satisfied. | 3.10.25- Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $476,579.45 or 37.36 months PITI reserves; guidelines require 6 months reserves.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has 30 years in the same profession<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: 768 credit score; 660 minimum required score | D92F605F-6ABC-42C5-AB72-08B40E0A11CE |
| xxx | 2000048098 | xxx | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide final HUD-1. | 3.13.2025-Clients response: March xx 2025, 5:04:00 pmplease find the final SS3.13.2025-xxx's response: Received the final HUD1, exception satisfied. | 3.13.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: 701 credit score; 620 minimum required score<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: 27.62% LTV; 70% maximum LTV<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has owned the primary residence 25 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $142,293.69 post close reserves, 54.77 months PITIA; 0 required reserves | 15F82BA9-4B35-4CE3-BAFE-BE8805719B7F |
| xxx | 2000048245 | xxx | HI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: 45 Months Reserves<br>CFCFS2860: Good credit history<br> - xxx Comments: Demonstrates Good Credit History<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Credit reflects Positive Mortgage Payment History | 405F2DA2-4FEE-463A-9950-95FCFFB25F11 |
| xxx | 2000048521 | xxx | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Final HUD-1 | 3.11.25 Final settlement statement has been provided3.11.25 exception satisfied | 3.11.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: 702 credit score; 620 minimum required score<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: 22% LTV; 70% maximum LTV<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets: $240,902.34 post close reserves, 43.80 months PITI; 0 required reserves | 385CC828-F378-4E86-8F4E-60D408D5E3E3 |
| xxx | 2000048711 | xxx | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - xxx Comments: Demonstrates Good Credit History<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: 50+ Months reporting<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: 10 Months Reserves | 2313EE26-8EC2-4970-86CC-1912C23E666B |
| xxx | 2000048739 | xxx | AL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: 44mo. 0X30 mortgage payment history; 0x30x12 required.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: 52.24% LTV; max 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: 756 qual score; min 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $19,301.88 reserves; $0 reserves required. | A2CE3483-A189-484F-964B-117FC9D024B3 |
| xxx | 2000049061 | xxx | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide proof of receipt for LE dated 2/XX/2025, LE dated 2/XX/2025, LE dated 2/XX/2025 and CD dated 2/XX/2025. | 3.12.25-Client provided CD issued 2/XX/25 & LEs issued 2/XX/25, 2/XX/25. All e-signed on the date of issuance. Satisfied. | 3.12.25- Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: 19 Months Reserves<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: 44% LTV<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI is 17.08% / 25.03% | 4AAEA97A-4FB9-4003-A785-90223C42707D |
| xxx | 2000049061 | xxx | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide proof of receipt for LE dated 2/XX/2025, LE dated 2/XX/2025, LE dated 2/XX/2025 and CD dated 2/XX/2025. | 3.12.25-Client provided CD issued 2/XX/25 & LEs issued 2/XX/25, 2/XX/25. All e-signed on the date of issuance. Satisfied. | 3.12.25-Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: 19 Months Reserves<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: 44% LTV<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI is 17.08% / 25.03% | 4AAEA97A-4FB9-4003-A785-90223C42707D |
| xxx | 2000049301 | xxx | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing proof of self employment for the last 2 years. Missing lender income calculation worksheet. | 3.12.25 SE verified. Missing lender income calculation worksheet with expense ratio.3.12.25 Income worksheet has been provided, 3.12.25 exception satisfied | 3.12.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves are $809,752.10, or 194.15 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of 80% is below guideline maximum of 90% for an alt doc purchase with a 779 credit score.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of 779 exceeds guideline minimum of 660 for an Alt Doc purchase at 80% LTV. | 0B554209-28CF-416A-9509-CE36421AF8AF |
| xxx | 2000049466 | xxx | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: 777 credit score; 680 minimum required score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $253,792.37 post close reserves, 90.89 months PITI; 6 months required reserves<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: Credit reflects oldest tradeline date 9/2001 | F3C6CBC6-303B-4211-B7F5-EE96C0E32D09 |
| xxx | 2000050482 | xxx | TX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP227 | Application Not Signed by Co-Borrower | No | Provide signed 1003 for the co-borrower xxx. | 6.4.25 Executed 1003 has been provided,6.5.25 exception satisfied | 6.5.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: 17+ months reserves exceeds guidelines.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: 67 months credit history exceeds guidelines.<br>CFCFS2860: Good credit history<br> - xxx Comments: Guarantor demonstrates good credit history. | DA466C02-33CB-4763-9E2F-7659DC177232 |
| xxx | 2000050664 | xxx | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: 142 Months Reserves<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: 265+ Months reporting positive<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: 99+ Months reporting positive | C707B4C9-2789-4487-94E2-4E529EEBFE74 |
| xxx | 2000050826 | xxx | CO | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves are $134,720.11, or 91.56 months. Reserves not required.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of 29.41% is below guideline maximum of 80% for a DSCR cash out refinance with a 771 credit score<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: In residence 12 years. | 498A3EEF-214E-4168-89C0-E34EED28FE54 |
| xxx | 2000051334 | xxx | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide receipt for CD dated 5/XX/2025. | 6.3.25-Client provided CD issued 5/XX/25 & LE issued 5/XX/25, both e-signed on date of issuance. Satisfied. | 6.3.25- Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: B1 has owned the primary residence 10 years<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B2 has 10 years in the same profession<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: Oldest tradeline date 7/16/2008 | A461A612-B481-413E-836B-ED7D9A384640 |
| xxx | 2000051334 | xxx | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide receipt for CD issued 5/XX/2025 and LE issued 5/XX/2025. | 6.3.25-Client provided CD issued 5/XX/25 & LE issued 5/XX/25, both e-signed on date of issuance. Satisfied. | 6.3.25- Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: B1 has owned the primary residence 10 years<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B2 has 10 years in the same profession<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: Oldest tradeline date 7/16/2008 | A461A612-B481-413E-836B-ED7D9A384640 |
| xxx | 2000051807 | xxx | VA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - xxx Comments: Guarantor has been in primary residence for 10 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified 13.05 months reserves<br>CFCFS2860: Good credit history<br> - xxx Comments: Guarantor has overall good credit history | 3C886DA6-0FD3-42A9-9C18-DD59BE241E99 |
| xxx | 2000051823 | xxx | TN | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | LTV/CLTV | Active B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Max LTV is 70%; loan is 75%. xxx deems this non-material. Compensating factors are 33 months in reserves, 5 years at current residence, good mortgage history 0x30 for 19 months. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $177,926.88 reserves in file or 33.61 months PITI > required guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: 646 qualifying score exceeds 620 requirements<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower lives at primary residence for the past 5 years. | 4B6768B6-B71B-454A-AE01-BE9F7BF0E7FF |
| xxx | 2000051983 | xxx | UT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance fail for $175.00. An appraisal reinspection fee was added to CD 5/6 & CD 5/13. No COC was provided disclosing fee addition. Please provide Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation to cure. | 6.5.25-Client provided Internal COC dated 5/XX/25. Satisfied. | 6.5.25- Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves of 47 months PITIA is 41 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of 776 is 116 points above the 660 FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Qualifying DTI (Back) of 6.33% is 43.67% below the 50% allowed for the program. | 56555FBF-13E3-4EC0-BD30-39E5EE08E1A7 |
| xxx | 2000051983 | xxx | UT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | CU score is greater than 2.5. Missing updated valuation in file. | 5.22.25 DVR has been provided5.22.25 exception satisfied | 5.22.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves of 47 months PITIA is 41 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of 776 is 116 points above the 660 FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Qualifying DTI (Back) of 6.33% is 43.67% below the 50% allowed for the program. | 56555FBF-13E3-4EC0-BD30-39E5EE08E1A7 |
| xxx | 2000052090 | xxx | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | Right of Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR 3rd day of rescission is 05/XX/2025. Final CD issued 05/XX/2025 disbursement date is 05/XX/2025. Borrower did not receive full 3 day rescission period. | 5.29.25-Client provided PCCD with updated disbursement date, closing cost/cash to close. Satisfied. | 5.29.25- Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of 70.73% is below guideline maximum of 75% for a Full Doc Rate/Term refinance with a 652 credit score.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Per VOE borrower has been on jib since 11/14/2022.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Per VOE borrower has been on job since 8/29/2022. | B618555B-02B1-4E48-9DC6-0E795B937563 |
| xxx | 2000052090 | xxx | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Credit | DTI | Active B | CRDDTI187 | Debt Ratio > 50% | No | DTI 50.14%. Max DTI 55.00%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of 70.73% is below guideline maximum of 75% for a Full Doc Rate/Term refinance with a 652 credit score.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Per VOE borrower has been on jib since 11/14/2022.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Per VOE borrower has been on job since 8/29/2022. | B618555B-02B1-4E48-9DC6-0E795B937563 |
| xxx | 2000052289 | xxx | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance fail for $609.38. Rate lock extension fee added on CD 5/XX/25. No COC was provided disclosing addition of fee to borrower. Please provide Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation to cure. | 6.13.25-Client provided COC log reflecting a rate lock ext. added. Prior le issued 4/4 reflects lock to expire by 5/4. Subsequently the rate lock ext fee increased on 5/XX/25 & 5/XX/25. CoCs in file do not support a increase in this fee. Provide PCCD, LOX, Copy of Tolerance check in the amount of $46.38 & proof of delivery . Due to increase of $46.38 5/XX/25 & 5/XX/25 CDs.6.16.25-Sent for second review-CN-1564.6.16.25-Provide proof Rate Lock Ext. is a percent based fee (of loan amount) and proof borrower was aware that such fee was percent based for review OR Provide PCCD, LOX, Copy of Tolerance check in the amount of $46.38 & proof of delivery . Due to increase of $46.38 5/XX/25 & 5/XX/25 CDs. CN-15646.25.25-Client provided COC 5/XX/25 reflecting percent based fee , provide evidence Borrower was aware the lock ext. fee was percent based. (email to/from borrower, etc reflecting lock ext. is based on loan amount). OR Provide PCCD, LOX, Copy of Tolerance check in the amount of $46.38 & proof of delivery . Due to increase of $46.38 5/XX/25 & 5/XX/25 CDs. CN-15647.1.25-Client provided Fed-ex label, LOE, Check and PCCD, satisfied. | 7.1.25-satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: 18.90% LTV < guideline maximum of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: 740 qualifying score exceeds 620 requirements<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: 72 months with 0 x 30 consumer credit payment history exceeds guidelines of 24 months | 89CB3EC9-4C4B-4B20-BD85-F7466DA3C755 |
| xxx | 2000052431 | xxx | SC | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide the final HUD 1 that is executed by all parties. | 5.29.25 Please find the SS5.29.25 excerption satisfied | 5.29.25 excerption satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: 809 mid-score per CBR.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: 75% LTV per review; 80% LTV is maximum allowed per guidelines.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: 240 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: 1215.32 months of reserves in file.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: 776 months of 0x30 mortgage history per CBR. | CC0AAAA4-B91B-40B9-B0BF-68E3394B331A |
| xxx | 2000052431 | xxx | SC | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing the CDA desk review to support original appraisal in file, no CU or LCA score in file as well. | 5.29.25 please find the DVR for review.5.29.25 exception satisfied | 5.29.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: 809 mid-score per CBR.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: 75% LTV per review; 80% LTV is maximum allowed per guidelines.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: 240 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: 1215.32 months of reserves in file.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: 776 months of 0x30 mortgage history per CBR. | CC0AAAA4-B91B-40B9-B0BF-68E3394B331A |
| xxx | 2000052468 | xxx | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves of 17 months PITIA is 11 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of 788 is 68 points above the 720 FICO required for the program.<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower is 0x30 on all accounts for the past 10 years reviewed. | E0B4A69C-00C6-4D41-A8F8-76AD1CDB3674 |
| xxx | 2000052605 | xxx | IN | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: 104 Months Reserves<br>CFCFS2860: Good credit history<br> - xxx Comments: Good Credit History<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: 46+ Months reporting | ECA819AA-EFE2-4FFD-B9FC-67AA114BFD96 |
| xxx | 2000052611 | xxx | GA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves of 68 months PITIA is 65 months greater than the 3 months reserves required.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has 19 years 6 months at current residence. | 7EC1B294-89D6-4B88-A63E-1A986D7A7215 |
| xxx | 2000052642 | xxx | HI | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1. | 5.15.2025 Client responded - Final SS please clear5.15.2025 Client provided the Final SS. Exception satisfied | 5.15.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified 10.11 months reserves<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower in primary residence for 1 year 2 months<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower has overall good credit history | 2AB18B33-DB48-42F5-9C71-D6BD0B62383A |
| xxx | 2000052642 | xxx | HI | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Property | Satisfied D A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Provide HOA Certificate/Questionnaire. | 5.15.2025 Client responded - HOA cert for review. 5.15.2025 The Client provided the HOA Certification/Questionnaire. Exception satisfied | 5.15.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified 10.11 months reserves<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower in primary residence for 1 year 2 months<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower has overall good credit history | 2AB18B33-DB48-42F5-9C71-D6BD0B62383A |
| xxx | 2000052652 | xxx | GA | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH104 | Credit score below guidelines | No | Credit score of 688 is less than the minimum 700 credit score allowed with 1x30 mortgage in the last 12 months. Client provided an exception. xxx deems exception non fatal to lending decision = Grade 2/B. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has 26 years 5 months at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves of 44 months ITIA vs 0 months reserves required.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of 63.37% is 11.63% below the 75% LTV allowed for the program. | 343B8C19-E232-4C42-AE15-6C442E2323FB |
| xxx | 2000052692 | xxx | AL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of 664 is 44 points above the 620 FICO required for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves of 34 months PITIA is 31 months greater than the 3 months reserves required.<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower is 0x30 on all accounts for the past 6 years reviewed. | 7B6E9E50-304A-4275-AC9E-E303A8DAE48E |
| xxx | 2000052811 | xxx | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | CU Score is 2.6. Missing updated valuation in file. | 5.22.25 DVR supports the value, copy has been uploaded5.22.25 exception satisfied | 5.22.25 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has 11 years 1 month at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves of 18 months PITIA is 12 months greater than the 6 months reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Qualifying DTI (Back) of 40% is 10% below the 50% allowed for the program.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of 706 is 46 points above the 660 FICO required for the program. | 308AFBDE-15C8-42BF-AB7C-AAB3BA839862 |
| xxx | 2000052816 | xxx | NM | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: 306 Months credit history exceeds guidelines.<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Guarantor demonstrates positive mortgage payment history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: 111+ months reserves exceeds guidelines. | D901937B-7041-4FF2-9F8A-E026D147CD26 |
| xxx | 2000052984 | xxx | VA | (No Data) | ATR/QM: Exempt D B | B | B D A | B | B | Compliance | Borrower's Interest | Active B | CMPBI1203 | VA - Refi within 12 mos/undetermined | No | Per guideline requirements the loan amount should be limited to the purchase price of $xxx plus documented improvements $23,087.36=$xxx. Or 75% LTV of the appraised value whichever is less. Appraised value is $xxx X 75%=$xxx. Current loan amount of $xxx exceeds guideline requirements. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: 120+ months reserves exceeds guidelines.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: 189 months credit history exceeds guidelines.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Guarantor has lived at current residence 5+ years. | 36E9EF5E-739F-41BC-BD36-AB6392ED4260 |
| xxx | 2000052984 | xxx | VA | (No Data) | ATR/QM: Exempt D B | B | B D A | B | B | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing third party valuation. | 5.22.25 Appraisal cu with a score of 1.2 has been provided5.22.25 exception satisfied | 5.22.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: 120+ months reserves exceeds guidelines.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: 189 months credit history exceeds guidelines.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Guarantor has lived at current residence 5+ years. | 36E9EF5E-739F-41BC-BD36-AB6392ED4260 |
| xxx | 2000053109 | xxx | LA | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Insurance | Satisfied D A | CRDINSR865 | Missing proof of flood insurance in File | No | Missing Flood Dec Page | 6.4.25 Flood insurance has been provided6.4.25 exception satisfied | 6.4.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: 10 Months Reserves<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: 117 Months Consumer Credit reporting<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 15+ Months positive history | 2ECE0482-AF64-48FD-A174-59B6DDDE489A |
| xxx | 2000053118 | xxx | OH | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide Proof of Receipt for CD dated 5/XX/2025 | 6.10.25-Client provided CD issued 5/XX/25. e-signed 5/XX/25. Satisfied. | 6.10.25- Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: 23.1 years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: 705 mid-score per CBR.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: 15.2 years employed with xxx.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: 96 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: 20.20 months of reserves in file.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: 68.60 LTV per review; 85% LTV is maximum allowed per guidelines. | 7953C902-6D85-4EAF-A304-0D2317871609 |
| xxx | 2000053118 | xxx | OH | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide Proof of Receipt for CD dated 5/XX/2025. | 6.10.25-Client provided CD issued 5/XX/25. e-signed 5/XX/25. Satisfied. | 6.10.25- Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: 23.1 years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: 705 mid-score per CBR.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: 15.2 years employed with xxx.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: 96 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: 20.20 months of reserves in file.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: 68.60 LTV per review; 85% LTV is maximum allowed per guidelines. | 7953C902-6D85-4EAF-A304-0D2317871609 |
| xxx | 2000053148 | xxx | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR101 | Appraisal incomplete (missing map, layout, pages, etc) | No | Missing Interior photos of subject property per guideline requirements. | 5.22.25 please find the 2nd half of appraisal.5.27.25 exception satisfied | 5.27.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: 773 mid-score per CBR.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: 9 years living at primary residence.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: 351 months of 0x30 mortgage history per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: 168 months of 0x30 consumer credit history per CBR.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: 33.33% LTV per review; 80% LTV is maximum allowed per guidelines. | 9DF64677-CC4C-40D3-B79C-16380554FFCB |
| xxx | 2000053157 | xxx | WA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: 143 months credit history exceeds guidelines.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Guarantor has lived at current residence 5 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: 31+ months reserves exceeds guidelines. | EE438AFF-4AAE-44A9-8D97-05C847014EF3 |
| xxx | 2000053246 | xxx | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves are $37,409.26, or 29.19 months. 3 months required.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of 70% is below guideline maximum of 80% for a DSCR purchase with a 785 credit score.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: In residence 10 years. | 5F3AC2AD-1F21-4694-BDC2-3217A3F954EE |
| xxx | 2000053287 | xxx | WI | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets$27,148.64 reserves in file or 13.11 months PITI.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - xxx Comments: Borrower does not have any major mortgage related occurrences<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: 770 exceeds 600 requirement | 58FB8186-B934-4A5E-BDD1-0A6FB3B105FF |
| xxx | 2000053400 | xxx | WA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | Provide Divorce Decree showing that xxx was awarded $xxx in the settlement. | 6.4.25 Copy of the divorce decree has been provided6.4.25 exception satisfied | 6.4.25 exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Guarantor demonstrates positive mortgage payment history.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: 259 Months credit history exceeds guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: .4 months reserves exceeds guidelines. Per guidelines no reserves are required. | 565CEC2A-F83A-46A4-8D9D-A3C753D8971E |
| xxx | 2000053400 | xxx | WA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Final HUD-1 | 6.11.25 Final settlement statement has been provided, 6.11.25 exception satisfied | 6.11.25 exception satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Guarantor demonstrates positive mortgage payment history.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: 259 Months credit history exceeds guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: .4 months reserves exceeds guidelines. Per guidelines no reserves are required. | 565CEC2A-F83A-46A4-8D9D-A3C753D8971E |
| xxx | 2000053766 | xxx | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: 228 months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $230,227.82 reserves in file or 82.97 months PITI > required guidelines<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has owned subject, which was borrower's primary residence for 20+ years | 999CE31D-E3A1-405B-857D-46D9504361DE |
| xxx | 2000053888 | xxx | MN | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: 705 qualifying score exceeds 620 requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $28,090.85 reserves in file or 17.98 months PITI > required guidelines<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has owned primary / current residence for 11+ years. | 146EFB1F-6050-4E90-8777-0E5C695CA855 |
| xxx | 2000054103 | xxx | DC | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - xxx Comments: Guarantor has lived at current residence 30 years.<br>CFCFS2860: Good credit history<br> - xxx Comments: Guarantor demonstrates good credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: 35+ months reserves exceeds guidelines. | 9BB66E54-637C-465A-A2B8-2F658471034F |
| xxx | 2000054105 | xxx | OR | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide 12 months of canceled checks (front & back) for the private landlord xxx. Borrowers primary residence. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close assets are $90,327.37, or 94.93 months. Reserves not required.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of 25.64% is below guideline maximum of 80% for a DSCR cash out refinance with an 812 credit score.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of 812 exceeds guideline minimum of 620 for a DSCR cash out refinance at 25.64% LTV. | D8D1440F-D7B9-44C1-8D1A-AFADBE313B3C |
| xxx | 2000054105 | xxx | OR | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Final HUD1. | 6.6.25 please find the final SS6.6.25 exception satisfied | 6.6.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close assets are $90,327.37, or 94.93 months. Reserves not required.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of 25.64% is below guideline maximum of 80% for a DSCR cash out refinance with an 812 credit score.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of 812 exceeds guideline minimum of 620 for a DSCR cash out refinance at 25.64% LTV. | D8D1440F-D7B9-44C1-8D1A-AFADBE313B3C |
| xxx | 2000054178 | xxx | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide receipt for CD dated 5/XX/2025. | 6.9.25-Client provided CD issued 5/XX/25, e-signed 5/XX/25. Satisfied. | 6.9.25- Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: 94+ Months reporting<br>CFCFS2860: Good credit history<br> - xxx Comments: Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: 133+ Months reporting<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets: $147,799.56 - $15,358.39 (Funds to Close) = $132,441.17 / $4,423.57 (PITI + HOA Fee) = 29 Months Reserves | 40C75DEF-F7E7-482D-8FA5-29916BC70676 |
| xxx | 2000054178 | xxx | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide receipt for CD dated 5/XX/2025. | 6.9.25-Client provided CD issued 5/XX/25, e-signed 5/XX/25. Satisfied. | 6.9.25-Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: 94+ Months reporting<br>CFCFS2860: Good credit history<br> - xxx Comments: Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: 133+ Months reporting<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets: $147,799.56 - $15,358.39 (Funds to Close) = $132,441.17 / $4,423.57 (PITI + HOA Fee) = 29 Months Reserves | 40C75DEF-F7E7-482D-8FA5-29916BC70676 |
| xxx | 2000054353 | xxx | UT | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves are $14,205.33, or 6.11 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of 75% is below guideline maximum of 80% for a DSCR purchase with a 786 credit score.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: In residence 19 years. | A0013BAB-D5B7-4D8F-BC4B-9D2523F19B81 |
| xxx | 2000054355 | xxx | WA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: 228 months credit history exceeds guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: 46+ months reserves exceeds guidelines.<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Guarantor demonstrates positive mortgage payment history. | 1793ABB4-1906-4B30-995B-D4248D1B121D |
| xxx | 2000054361 | xxx | MD | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: 186+ Months reporting<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: 20 Months reserves<br>CFCFS2860: Good credit history<br> - xxx Comments: Good Credit History | FA30C9FE-77C0-47C1-84D7-DF8EE3579D2B |
| xxx | 2000054552 | xxx | CA | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | LTV/CLTV | Active B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV 80% exceeds Guideline Max of 75% for 715 FICO Cash-Out. xxx deems this non-material. Compensating factors; 715 FICO, 22 months in reserves, 18 years in employment. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $219,355.07 reserves in file or 20.04 months PITI > required guidelines<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has owned primary / current residence for 5+ years.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has stable employment being self-employed in the same field for the past 18+ years | FBEFB6CB-8998-4379-B32E-4D29C2F4775F |
| xxx | 2000054552 | xxx | CA | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing UCDP or CDA to support appraisal Value. | 5.29.25 DVR and CU uploaded5.29.25 exception satisfied | 5.29.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $219,355.07 reserves in file or 20.04 months PITI > required guidelines<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has owned primary / current residence for 5+ years.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has stable employment being self-employed in the same field for the past 18+ years | FBEFB6CB-8998-4379-B32E-4D29C2F4775F |

---

## Exhibit 99.11

**Exhibit 99.11 Schedule 4**

---

| | |
|:---|:---|
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *74* |

---

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **Broker Application Date** | **GSE Eligible** | **QRM Flag** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Bwr 1 Employment Indicator** | **Bwr 2 Employment Indicator** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Residual Income Analysis in File** | **ATR/QM Residual Income** | **Full Diligence ID** |
| xxx | 110100001765 | Non-QM: Lender documented all ATR UW factors | No | 12/xx/2024 | 12/xx/2024 | No | No | 13770 | 12/16/2024 | 7.2062 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | 0EF2E1E1-84B1-450D-8F08-563574AFBC3C |
| xxx | 2000040338 | Non-QM: Lender documented all ATR UW factors | No | 10/xx/2024 | 10/xx/2024 | No | No | 28464 | 10/25/2024 | 7.3689 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 | E61C6226-FDC6-4423-978C-ACCE02B9B071 |
| xxx | 2000044803 | ATR/QM: Exempt | No | 11/xx/2024 | 11/xx/2024 | No | No | 0 | xxx | 7.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | 20378DA9-CDC9-4F29-B628-6A50B3493215 |
| xxx | 2000045519 | QM: Safe Harbor (APOR) | No | 12/xx/2024 | 12/xx/2024 | No | Yes | 15199 | 2/13/2025 | 7.7624 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | 66118696-E211-4F3C-962B-D45470A26F2D |
| xxx | 2000046944 | ATR/QM: Exempt | No | 01/xx/2025 | 01/xx/2025 | No | No | 0 | xxx | 6.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | F19328DD-FABD-4CAB-9E7D-1469C4857429 |
| xxx | 2000047493 | Non-QM: Lender documented all ATR UW factors | No | 04/xx/2025 | 04/xx/2025 | No | No | 15912.75 | 5/5/2025 | 8.9181 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | 28986405-A0DD-431F-A52D-CBFCB712EA37 |
| xxx | 2000047818 | QM: Safe Harbor (APOR) | No | 01/xx/2025 | 01/xx/2025 | No | Yes | 10094 | 2/19/2025 | 7.5637 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | D92F605F-6ABC-42C5-AB72-08B40E0A11CE |
| xxx | 2000048098 | ATR/QM: Exempt | No | 02/xx/2025 | 02/xx/2025 | No | No | 0 | xxx | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | 15F82BA9-4B35-4CE3-BAFE-BE8805719B7F |
| xxx | 2000048245 | Non-QM: Lender documented all ATR UW factors | No | 02/xx/2025 | 02/xx/2025 | No | No | 37044 | 2/19/2025 | 7.0983 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | 405F2DA2-4FEE-463A-9950-95FCFFB25F11 |
| xxx | 2000048521 | ATR/QM: Exempt | No | 01/xx/2025 | 01/xx/2025 | No | No | 0 | xxx | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | 385CC828-F378-4E86-8F4E-60D408D5E3E3 |
| xxx | 2000048711 | ATR/QM: Exempt | No | 02/xx/2025 | 02/xx/2025 | No | No | 0 | xxx | 7.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | 2313EE26-8EC2-4970-86CC-1912C23E666B |
| xxx | 2000048739 | ATR/QM: Exempt | No | 02/xx/2025 | 02/xx/2025 | No | No | 0 | xxx | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | A2CE3483-A189-484F-964B-117FC9D024B3 |
| xxx | 2000049061 | QM: Safe Harbor (APOR) | No | 02/xx/2025 | 02/xx/2025 | No | Yes | 21254 | 2/12/2025 | 6.975 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | 4AAEA97A-4FB9-4003-A785-90223C42707D |
| xxx | 2000049301 | Non-QM: Lender documented all ATR UW factors | No | 02/xx/2025 | 02/xx/2025 | No | No | 17462 | 2/21/2025 | 7.2033 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | 0B554209-28CF-416A-9509-CE36421AF8AF |
| xxx | 2000049466 | ATR/QM: Exempt | No | 02/xx/2025 | 02/xx/2025 | No | No | 0 | xxx | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | F3C6CBC6-303B-4211-B7F5-EE96C0E32D09 |
| xxx | 2000050482 | ATR/QM: Exempt | No | 03/xx/2025 | 03/xx/2025 | No | No | 0 | xxx | 8.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | DA466C02-33CB-4763-9E2F-7659DC177232 |
| xxx | 2000050664 | ATR/QM: Exempt | No | 03/xx/2025 | 03/xx/2025 | No | No | 0 | xxx | 6.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | C707B4C9-2789-4487-94E2-4E529EEBFE74 |
| xxx | 2000050826 | ATR/QM: Exempt | No | 03/xx/2025 | 03/xx/2025 | No | No | 0 | xxx | 6.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | 498A3EEF-214E-4168-89C0-E34EED28FE54 |
| xxx | 2000051334 | QM: Safe Harbor (APOR) | No | 04/xx/2025 | 04/xx/2025 | No | Yes | 9580.51 | 5/2/2025 | 6.9982 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | A461A612-B481-413E-836B-ED7D9A384640 |
| xxx | 2000051807 | ATR/QM: Exempt | No | 03/xx/2025 | 03/xx/2025 | No | No | 0 | xxx | 6.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | 3C886DA6-0FD3-42A9-9C18-DD59BE241E99 |
| xxx | 2000051823 | ATR/QM: Exempt | No | 03/xx/2025 | Not Applicable | No | No | 0 | xxx | 8.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | 4B6768B6-B71B-454A-AE01-BE9F7BF0E7FF |
| xxx | 2000051983 | Non-QM: Lender documented all ATR UW factors | No | 04/xx/2025 | 04/xx/2025 | No | No | 11857.22 | 5/6/2025 | 7.0015 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 53503.82 | 56555FBF-13E3-4EC0-BD30-39E5EE08E1A7 |
| xxx | 2000052090 | Non-QM: Lender documented all ATR UW factors | No | 03/xx/2025 | 03/xx/2025 | No | No | 29966.5 | 4/14/2025 | 8.7388 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | B618555B-02B1-4E48-9DC6-0E795B937563 |
| xxx | 2000052289 | Non-QM: Lender documented all ATR UW factors | No | 04/xx/2025 | 04/xx/2025 | No | No | 6162.76 | 5/19/2025 | 7.3885 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 3316.87 | 89CB3EC9-4C4B-4B20-BD85-F7466DA3C755 |
| xxx | 2000052431 | ATR/QM: Exempt | No | 04/xx/2025 | 04/xx/2025 | No | No | 0 | xxx | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | CC0AAAA4-B91B-40B9-B0BF-68E3394B331A |
| xxx | 2000052468 | ATR/QM: Exempt | No | 04/xx/2025 | 04/xx/2025 | No | No | 0 | xxx | 6.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | E0B4A69C-00C6-4D41-A8F8-76AD1CDB3674 |
| xxx | 2000052605 | ATR/QM: Exempt | No | 04/xx/2025 | 04/xx/2025 | No | No | 0 | xxx | 6.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | ECA819AA-EFE2-4FFD-B9FC-67AA114BFD96 |
| xxx | 2000052611 | ATR/QM: Exempt | No | 04/xx/2025 | 04/xx/2025 | No | No | 0 | xxx | 8.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | 7EC1B294-89D6-4B88-A63E-1A986D7A7215 |
| xxx | 2000052642 | ATR/QM: Exempt | No | 04/xx/2025 | 04/xx/2025 | No | No | 0 | xxx | 6.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | 2AB18B33-DB48-42F5-9C71-D6BD0B62383A |
| xxx | 2000052652 | ATR/QM: Exempt | No | 04/xx/2025 | 04/xx/2025 | No | No | 0 | xxx | 7.5001 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | 343B8C19-E232-4C42-AE15-6C442E2323FB |
| xxx | 2000052692 | ATR/QM: Exempt | No | 04/xx/2025 | 04/xx/2025 | No | No | 0 | xxx | 8.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | 7B6E9E50-304A-4275-AC9E-E303A8DAE48E |
| xxx | 2000052811 | QM: Safe Harbor (APOR) | No | 04/xx/2025 | 04/xx/2025 | No | Yes | 11389 | 4/16/2025 | 7.4614 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 32056.52 | 308AFBDE-15C8-42BF-AB7C-AAB3BA839862 |
| xxx | 2000052816 | ATR/QM: Exempt | No | 04/xx/2025 | 04/xx/2025 | No | No | 0 | xxx | 7.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | D901937B-7041-4FF2-9F8A-E026D147CD26 |
| xxx | 2000052984 | ATR/QM: Exempt | No | 04/xx/2025 | 04/xx/2025 | No | No | 0 | xxx | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | 36E9EF5E-739F-41BC-BD36-AB6392ED4260 |
| xxx | 2000053109 | ATR/QM: Exempt | No | 04/xx/2025 | 04/xx/2025 | No | No | 0 | xxx | 8.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | 2ECE0482-AF64-48FD-A174-59B6DDDE489A |
| xxx | 2000053118 | Non-QM: Lender documented all ATR UW factors | No | 04/xx/2025 | 04/xx/2025 | No | No | 10525.25 | 4/22/2025 | 7.5546 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | 7953C902-6D85-4EAF-A304-0D2317871609 |
| xxx | 2000053148 | Non-QM: Lender documented all ATR UW factors | No | 04/xx/2025 | 04/xx/2025 | No | No | 8568.25 | 4/15/2025 | 7.3608 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | 9DF64677-CC4C-40D3-B79C-16380554FFCB |
| xxx | 2000053157 | ATR/QM: Exempt | No | 04/xx/2025 | 04/xx/2025 | No | No | 0 | xxx | 6.875 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 | EE438AFF-4AAE-44A9-8D97-05C847014EF3 |
| xxx | 2000053246 | ATR/QM: Exempt | No | 04/xx/2025 | 04/xx/2025 | No | No | 0 | xxx | 6.875 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 | 5F3AC2AD-1F21-4694-BDC2-3217A3F954EE |
| xxx | 2000053287 | ATR/QM: Exempt | No | 04/xx/2025 | 04/xx/2025 | No | No | 0 | xxx | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | 58FB8186-B934-4A5E-BDD1-0A6FB3B105FF |
| xxx | 2000053400 | ATR/QM: Exempt | No | 04/xx/2025 | 04/xx/2025 | No | No | 0 | xxx | 7.5001 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | 565CEC2A-F83A-46A4-8D9D-A3C753D8971E |
| xxx | 2000053766 | ATR/QM: Exempt | No | 04/xx/2025 | 04/xx/2025 | No | No | 0 | xxx | 7.5001 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | 999CE31D-E3A1-405B-857D-46D9504361DE |
| xxx | 2000053888 | ATR/QM: Exempt | No | 04/xx/2025 | 04/xx/2025 | No | No | 0 | xxx | 8.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | 146EFB1F-6050-4E90-8777-0E5C695CA855 |
| xxx | 2000054103 | ATR/QM: Exempt | No | 04/xx/2025 | 04/xx/2025 | No | No | 0 | xxx | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | 9BB66E54-637C-465A-A2B8-2F658471034F |
| xxx | 2000054105 | ATR/QM: Exempt | No | 04/xx/2025 | 04/xx/2025 | No | No | 0 | xxx | 6.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | D8D1440F-D7B9-44C1-8D1A-AFADBE313B3C |
| xxx | 2000054178 | QM: Safe Harbor (APOR) | No | 05/xx/2025 | 05/xx/2025 | No | Yes | 10544 | 5/22/2025 | 7.7883 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | 40C75DEF-F7E7-482D-8FA5-29916BC70676 |
| xxx | 2000054353 | ATR/QM: Exempt | No | 05/xx/2025 | 05/xx/2025 | No | No | 0 | xxx | 6.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | A0013BAB-D5B7-4D8F-BC4B-9D2523F19B81 |
| xxx | 2000054355 | ATR/QM: Exempt | No | 05/xx/2025 | 05/xx/2025 | No | No | 0 | xxx | 8.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | 1793ABB4-1906-4B30-995B-D4248D1B121D |
| xxx | 2000054361 | ATR/QM: Exempt | No | 05/xx/2025 | 05/xx/2025 | No | No | 0 | xxx | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | FA30C9FE-77C0-47C1-84D7-DF8EE3579D2B |
| xxx | 2000054552 | ATR/QM: Exempt | No | 05/xx/2025 | 05/xx/2025 | No | No | 0 | xxx | 8.5 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | FBEFB6CB-8998-4379-B32E-4D29C2F4775F |

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<br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.11

**Exhibit 99.11 Schedule 5**

---

| | |
|:---|:---|
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| *Loans in Report* | *74* |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan Number** | **Borrower Last Name** | **Field** | **Tape Data** | **Reviewer Data** | **Full Diligence ID** |
| xxx | 110100001765 | xxx | Borrower 1 Total Income | 20421.2200 | 18033.34 | 0EF2E1E1-84B1-450D-8F08-563574AFBC3C |
| xxx | 110100001765 | xxx | Cash Reserves | 1029490.9600 | 1946057.15 | 0EF2E1E1-84B1-450D-8F08-563574AFBC3C |
| xxx | 110100001765 | xxx | Months Reserves | 130.0000 | 381.19 | 0EF2E1E1-84B1-450D-8F08-563574AFBC3C |
| xxx | 110100001765 | xxx | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) | 0EF2E1E1-84B1-450D-8F08-563574AFBC3C |
| xxx | 110100001765 | xxx | Total Cash Out | xxx | xxx | 0EF2E1E1-84B1-450D-8F08-563574AFBC3C |
| xxx | 2000040338 | xxx | DTI Qualifying (Back) | xxx | xxx | E61C6226-FDC6-4423-978C-ACCE02B9B071 |
| xxx | 2000044803 | xxx | Disbursement Date | 2/xx/2025 | 2/xx/2025 | 20378DA9-CDC9-4F29-B628-6A50B3493215 |
| xxx | 2000046944 | xxx | Disbursement Date | 2/xx/2025 | 2/xx/2025 | F19328DD-FABD-4CAB-9E7D-1469C4857429 |
| xxx | 2000046944 | xxx | Total Cash Out | xxx | xxx | F19328DD-FABD-4CAB-9E7D-1469C4857429 |
| xxx | 2000048098 | xxx | Total Cash Out | xxx | xxx | 15F82BA9-4B35-4CE3-BAFE-BE8805719B7F |
| xxx | 2000048521 | xxx | Total Cash Out | xxx | xxx | 385CC828-F378-4E86-8F4E-60D408D5E3E3 |
| xxx | 2000048711 | xxx | Property Type | Detached PUD | Attached PUD | 2313EE26-8EC2-4970-86CC-1912C23E666B |
| xxx | 2000049061 | xxx | Cash Reserves | 203698.4900 | 183073.49 | 4AAEA97A-4FB9-4003-A785-90223C42707D |
| xxx | 2000049061 | xxx | Months Reserves | 21.0000 | 19.3 | 4AAEA97A-4FB9-4003-A785-90223C42707D |
| xxx | 2000050482 | xxx | Total Cash Out | xxx | xxx | DA466C02-33CB-4763-9E2F-7659DC177232 |
| xxx | 2000050826 | xxx | Disbursement Date | 5/xx/2025 | 5/xx/2025 | 498A3EEF-214E-4168-89C0-E34EED28FE54 |
| xxx | 2000050826 | xxx | Representative Credit Score for Grading | 769 | 771 | 498A3EEF-214E-4168-89C0-E34EED28FE54 |
| xxx | 2000050826 | xxx | Total Cash Out | xxx | xxx | 498A3EEF-214E-4168-89C0-E34EED28FE54 |
| xxx | 2000051823 | xxx | Cash Reserves | 79860.6100 | 177926.88 | 4B6768B6-B71B-454A-AE01-BE9F7BF0E7FF |
| xxx | 2000051823 | xxx | Months Reserves | 15.0000 | 33.61 | 4B6768B6-B71B-454A-AE01-BE9F7BF0E7FF |
| xxx | 2000051983 | xxx | Original Appraised Value | xxx | xxx | 56555FBF-13E3-4EC0-BD30-39E5EE08E1A7 |
| xxx | 2000052289 | xxx | Documentation Type | Full Doc | Alt Doc/Bank Statements | 89CB3EC9-4C4B-4B20-BD85-F7466DA3C755 |
| xxx | 2000052431 | xxx | Cash Reserves | 1363705.8200 | 1315430.42 | CC0AAAA4-B91B-40B9-B0BF-68E3394B331A |
| xxx | 2000052431 | xxx | Months Reserves | 1259.0000 | 1215.32 | CC0AAAA4-B91B-40B9-B0BF-68E3394B331A |
| xxx | 2000052468 | xxx | Original Appraised Value | xxx | xxx | E0B4A69C-00C6-4D41-A8F8-76AD1CDB3674 |
| xxx | 2000052611 | xxx | Total Cash Out | xxx | xxx | 7EC1B294-89D6-4B88-A63E-1A986D7A7215 |
| xxx | 2000052642 | xxx | Disbursement Date | 5/5/2025 | 5/xx/2025 | 2AB18B33-DB48-42F5-9C71-D6BD0B62383A |
| xxx | 2000052652 | xxx | Disbursement Date | 5/xx/2025 | 5/xx/2025 | 343B8C19-E232-4C42-AE15-6C442E2323FB |
| xxx | 2000052692 | xxx | Total Cash Out | xxx | xxx | 7B6E9E50-304A-4275-AC9E-E303A8DAE48E |
| xxx | 2000052811 | xxx | Cash Reserves | 358787.3800 | 344048.18 | 308AFBDE-15C8-42BF-AB7C-AAB3BA839862 |
| xxx | 2000052811 | xxx | Months Reserves | 18.0000 | 18.17 | 308AFBDE-15C8-42BF-AB7C-AAB3BA839862 |
| xxx | 2000052816 | xxx | Disbursement Date | 5/xx/2025 | 5/xx/2025 | D901937B-7041-4FF2-9F8A-E026D147CD26 |
| xxx | 2000052816 | xxx | Total Cash Out | xxx | xxx | D901937B-7041-4FF2-9F8A-E026D147CD26 |
| xxx | 2000052984 | xxx | Disbursement Date | 5/xx/2025 | 5/xx/2025 | 36E9EF5E-739F-41BC-BD36-AB6392ED4260 |
| xxx | 2000053148 | xxx | Cash Reserves | 1212394.5800 | 683192.64 | 9DF64677-CC4C-40D3-B79C-16380554FFCB |
| xxx | 2000053148 | xxx | Disbursement Date | 5/xx/2025 | 5/xx/2025 | 9DF64677-CC4C-40D3-B79C-16380554FFCB |
| xxx | 2000053148 | xxx | Months Reserves | 590.0000 | 332.65 | 9DF64677-CC4C-40D3-B79C-16380554FFCB |
| xxx | 2000053400 | xxx | Original Appraised Value | xxx | xxx | 565CEC2A-F83A-46A4-8D9D-A3C753D8971E |
| xxx | 2000053766 | xxx | Total Cash Out | xxx | xxx | 999CE31D-E3A1-405B-857D-46D9504361DE |
| xxx | 2000054103 | xxx | Disbursement Date | 5/xx/2025 | 5/xx/2025 | 9BB66E54-637C-465A-A2B8-2F658471034F |
| xxx | 2000054105 | xxx | Total Cash Out | xxx | xxx | D8D1440F-D7B9-44C1-8D1A-AFADBE313B3C |
| xxx | 2000054355 | xxx | Disbursement Date | 5/xx/2025 | 5/xx/2025 | 1793ABB4-1906-4B30-995B-D4248D1B121D |
| xxx | 2000054355 | xxx | Total Cash Out | xxx | xxx | 1793ABB4-1906-4B30-995B-D4248D1B121D |
| xxx | 2000054552 | xxx | Cash Reserves | 152728.4600 | 219355.07 | FBEFB6CB-8998-4379-B32E-4D29C2F4775F |
| xxx | 2000054552 | xxx | Months Reserves | 15.0000 | 22.02 | FBEFB6CB-8998-4379-B32E-4D29C2F4775F |

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©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.11

**Exhibit 99.11 Schedule 6**

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| | |
|:---|:---|
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *74* |
| ***Loans with Conditions:*** | *43* |

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| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ASF Loan Number | **Loan Number** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Loan Compliance Grade** | **Final Securitization Loan Compliance Grade** | **Initial S&P Loan Compliance Grade** | **Final S&P Loan Compliance Grade** | **Did Lender Acknowledge Exception at Origination** | **Full Diligence ID** |
| xxx | 110100001765 | 12/xx/2024 | 12/xx/2024 C A | A | A C | A | A | Not Applicable | 0EF2E1E1-84B1-450D-8F08-563574AFBC3C |
| xxx | 2000040338 | 10/xx/2024 | 10/xx/2024 A | A | A | A | A | No | E61C6226-FDC6-4423-978C-ACCE02B9B071 |
| xxx | 2000044803 | 11/xx/2024 | 11/xx/2024 D A | A | A D | A | A | Not Applicable | 20378DA9-CDC9-4F29-B628-6A50B3493215 |
| xxx | 2000045519 | 12/xx/2024 | 12/xx/2024 A | A | A | A | A | Not Applicable | 66118696-E211-4F3C-962B-D45470A26F2D |
| xxx | 2000046944 | 01/xx/2025 | 01/xx/2025 D A | A | A D | A | A | Not Applicable | F19328DD-FABD-4CAB-9E7D-1469C4857429 |
| xxx | 2000047493 | 04/xx/2025 | 04/xx/2025 D A | A | A D | A | A | No | 28986405-A0DD-431F-A52D-CBFCB712EA37 |
| xxx | 2000047818 | 01/xx/2025 | 01/xx/2025 C A | C | A C | C | A | No | D92F605F-6ABC-42C5-AB72-08B40E0A11CE |
| xxx | 2000048098 | 02/xx/2025 | 02/xx/2025 D A | A | A D | A | A | No | 15F82BA9-4B35-4CE3-BAFE-BE8805719B7F |
| xxx | 2000048245 | 02/xx/2025 | 02/xx/2025 A | A | A | A | A | No | 405F2DA2-4FEE-463A-9950-95FCFFB25F11 |
| xxx | 2000048521 | 01/xx/2025 | 01/xx/2025 D A | A | A D | A | A | No | 385CC828-F378-4E86-8F4E-60D408D5E3E3 |
| xxx | 2000048711 | 02/xx/2025 | 02/xx/2025 A | A | A | A | A | No | 2313EE26-8EC2-4970-86CC-1912C23E666B |
| xxx | 2000048739 | 02/xx/2025 | 02/xx/2025 A | A | A | A | A | Not Applicable | A2CE3483-A189-484F-964B-117FC9D024B3 |
| xxx | 2000049061 | 02/xx/2025 | 02/xx/2025 C A | C | A C | C | A | No | 4AAEA97A-4FB9-4003-A785-90223C42707D |
| xxx | 2000049301 | 02/xx/2025 | 02/xx/2025 C A | A | A C | A | A | Not Applicable | 0B554209-28CF-416A-9509-CE36421AF8AF |
| xxx | 2000049466 | 02/xx/2025 | 02/xx/2025 A | A | A | A | A | No | F3C6CBC6-303B-4211-B7F5-EE96C0E32D09 |
| xxx | 2000050482 | 03/xx/2025 | 03/xx/2025 D A | N/A | N/A D | N/A | N/A | Yes | DA466C02-33CB-4763-9E2F-7659DC177232 |
| xxx | 2000050664 | 03/xx/2025 | 03/xx/2025 A | A | A | A | A | No | C707B4C9-2789-4487-94E2-4E529EEBFE74 |
| xxx | 2000050826 | 03/xx/2025 | 03/xx/2025 A | A | A | A | A | Not Applicable | 498A3EEF-214E-4168-89C0-E34EED28FE54 |
| xxx | 2000051334 | 04/xx/2025 | 04/xx/2025 C A | C | A C | C | A | No | A461A612-B481-413E-836B-ED7D9A384640 |
| xxx | 2000051807 | 03/xx/2025 | 03/xx/2025 A | N/A | N/A | N/A | N/A | No | 3C886DA6-0FD3-42A9-9C18-DD59BE241E99 |
| xxx | 2000051823 | 03/xx/2025 | Not Applicable B | N/A | N/A B | N/A | N/A | Not Applicable | 4B6768B6-B71B-454A-AE01-BE9F7BF0E7FF |
| xxx | 2000051983 | 04/xx/2025 | 04/xx/2025 D B A | C | B D A | C | B | Not Applicable | 56555FBF-13E3-4EC0-BD30-39E5EE08E1A7 |
| xxx | 2000052090 | 03/xx/2025 | 03/xx/2025 C B A | C | B C A | C | B | Not Applicable | B618555B-02B1-4E48-9DC6-0E795B937563 |
| xxx | 2000052289 | 04/xx/2025 | 04/xx/2025 C B A | C | B C A | C | B | Not Applicable | 89CB3EC9-4C4B-4B20-BD85-F7466DA3C755 |
| xxx | 2000052431 | 04/xx/2025 | 04/xx/2025 D A | N/A | N/A D | N/A | N/A | Not Applicable | CC0AAAA4-B91B-40B9-B0BF-68E3394B331A |
| xxx | 2000052468 | 04/xx/2025 | 04/xx/2025 A | N/A | N/A | N/A | N/A | Not Applicable | E0B4A69C-00C6-4D41-A8F8-76AD1CDB3674 |
| xxx | 2000052605 | 04/xx/2025 | 04/xx/2025 A | N/A | N/A | N/A | N/A | No | ECA819AA-EFE2-4FFD-B9FC-67AA114BFD96 |
| xxx | 2000052611 | 04/xx/2025 | 04/xx/2025 A | A | A | A | A | Not Applicable | 7EC1B294-89D6-4B88-A63E-1A986D7A7215 |
| xxx | 2000052642 | 04/xx/2025 | 04/xx/2025 D A | A | A D | A | A | Not Applicable | 2AB18B33-DB48-42F5-9C71-D6BD0B62383A |
| xxx | 2000052652 | 04/xx/2025 | 04/xx/2025 B A | A | A B | A | A | Yes | 343B8C19-E232-4C42-AE15-6C442E2323FB |
| xxx | 2000052692 | 04/xx/2025 | 04/xx/2025 A | N/A | N/A | N/A | N/A | Not Applicable | 7B6E9E50-304A-4275-AC9E-E303A8DAE48E |
| xxx | 2000052811 | 04/xx/2025 | 04/xx/2025 D A | A | A D | A | A | No | 308AFBDE-15C8-42BF-AB7C-AAB3BA839862 |
| xxx | 2000052816 | 04/xx/2025 | 04/xx/2025 A | A | A | A | A | Yes | D901937B-7041-4FF2-9F8A-E026D147CD26 |
| xxx | 2000052984 | 04/xx/2025 | 04/xx/2025 D B A | B | B D A | B | B | Yes | 36E9EF5E-739F-41BC-BD36-AB6392ED4260 |
| xxx | 2000053109 | 04/xx/2025 | 04/xx/2025 D A | N/A | N/A D | N/A | N/A | No | 2ECE0482-AF64-48FD-A174-59B6DDDE489A |
| xxx | 2000053118 | 04/xx/2025 | 04/xx/2025 C A | C | A C | C | A | Not Applicable | 7953C902-6D85-4EAF-A304-0D2317871609 |
| xxx | 2000053148 | 04/xx/2025 | 04/xx/2025 D A | A | A D | A | A | Not Applicable | 9DF64677-CC4C-40D3-B79C-16380554FFCB |
| xxx | 2000053157 | 04/xx/2025 | 04/xx/2025 A | A | A | A | A | Yes | EE438AFF-4AAE-44A9-8D97-05C847014EF3 |
| xxx | 2000053246 | 04/xx/2025 | 04/xx/2025 A | A | A | A | A | Not Applicable | 5F3AC2AD-1F21-4694-BDC2-3217A3F954EE |
| xxx | 2000053287 | 04/xx/2025 | 04/xx/2025 A | N/A | N/A | N/A | N/A | Not Applicable | 58FB8186-B934-4A5E-BDD1-0A6FB3B105FF |
| xxx | 2000053400 | 04/xx/2025 | 04/xx/2025 D A | A | A D | A | A | Not Applicable | 565CEC2A-F83A-46A4-8D9D-A3C753D8971E |
| xxx | 2000053766 | 04/xx/2025 | 04/xx/2025 A | A | A | A | A | Not Applicable | 999CE31D-E3A1-405B-857D-46D9504361DE |
| xxx | 2000053888 | 04/xx/2025 | 04/xx/2025 A | N/A | N/A | N/A | N/A | Not Applicable | 146EFB1F-6050-4E90-8777-0E5C695CA855 |
| xxx | 2000054103 | 04/xx/2025 | 04/xx/2025 A | A | A | A | A | Yes | 9BB66E54-637C-465A-A2B8-2F658471034F |
| xxx | 2000054105 | 04/xx/2025 | 04/xx/2025 D B A | A | A D B | A | A | Not Applicable | D8D1440F-D7B9-44C1-8D1A-AFADBE313B3C |
| xxx | 2000054178 | 05/xx/2025 | 05/xx/2025 C A | C | A C | C | A | No | 40C75DEF-F7E7-482D-8FA5-29916BC70676 |
| xxx | 2000054353 | 05/xx/2025 | 05/xx/2025 A | A | A | A | A | No | A0013BAB-D5B7-4D8F-BC4B-9D2523F19B81 |
| xxx | 2000054355 | 05/xx/2025 | 05/xx/2025 A | A | A | A | A | No | 1793ABB4-1906-4B30-995B-D4248D1B121D |
| xxx | 2000054361 | 05/xx/2025 | 05/xx/2025 A | N/A | N/A | N/A | N/A | No | FA30C9FE-77C0-47C1-84D7-DF8EE3579D2B |
| xxx | 2000054552 | 05/xx/2025 | 05/xx/2025 D B A | N/A | N/A D B | N/A | N/A | Not Applicable | FBEFB6CB-8998-4379-B32E-4D29C2F4775F |

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